davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER XXXX XXXX XXXX WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The XXXX also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all these fraudulent unauthorized inquiries on my report.

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Incident Date : XXXX My vehicle was taken from my sisters home. I was not sued or contacted by capital one at all. I have not been able to access my Capital One Account online for approximately one year because Capital One locked me out and requested that I provide my Bio Metrics to gain access again. By not being able to access my account I have not been able to provide any address updates or phone number updates so that Capital Could contact me. I call over a dozen times and was advised I could not visit a branch I could only use the link they provided to update BIO Metrics & gain access to make any updates on my account or retrieve billing statements. My account went 100 days past due during this time. 

Note : As of XX/XX/2024 I spoke with a very nice representative who has finally allowed me to update my phone number for contact and to allow me log in access after one year!!! 


My car was repossessed and XX/XX/2024 and On XX/XX/2024 I contacted the Lien Holder Capital One to satisfy my past due balance. I was advised to contact XXXX XXXX to retrieve my personal belongings & Vehicle. 

I contacted XXXX XXXX and was told by XXXX XXXX that I would not be able to retrieve my childrens medication, personal belongings or even my vehicle until 4days later because the company was under staffed, closed on the weekends & closed on the holiday. 

I advised that I need my childs medication & the staff member was very rude stating well what do you want me to do I cant cancel other peoples appointment just so you can get your things. We have transporters debtors and other people waiting. 

XXXX XXXX has taken on much more work than they can handle and because of greed consumers have to suffer. I would like a refund of my repo fee which was {$420.00} and statutory damages. 

Capital One is aware of the deceptive practices this company uses to run up additional fees and to put consumers at a disadvantage. Capital One has chosen to ignore the complaints in exchange for the lower prices charged by XXXX XXXX. 

I am not the first person this has happened too and ask that the XXXX/CFPB take action immediately against this company
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NJ)

For more than 10 years, I have been pursuing Public Student Loan Forgiveness ( PSLF ). Prior to the end of the special waiver period for student loans on XX/XX/XXXX, I submitted two documents : a consolidation request and an updated Employer Certification Form ( ECF ) in order get updated payment count ( MOHELA shows this as received XX/XX/XXXX ). At this time, my loans were transferred from MOHELA to XXXX ( payment received by MOHELA XX/XX/XXXX ) while my PSLF application was processed. For MOHELA, my PSLF form began showing as processed sometime in the last two month and included a note ( now removed ) that " a notice has been sent '' but I received nothing and my calls to MOHELA customer service indicate they don't have this on file. Since that time, I have heard nothing and it has been 6 months since my application. I currently show no payments counts toward forgiveness, so I have no idea how many more payments I have to make. I have made multiple calls to MOHELA and have gotten no additional information other than " everything looks good '' and " it take 90 business days to process. '' No one can tell me my status, how many payments I have or where I am in the queue. This is having a significant impact on my life- I have filed a XXXX tax extension, are my filing decision ( married filing jointly or married separately ) is largely based on where these loans are in the forgiveness process ( my counts ). Along the same lines, I don't feel like I can search for new employment or better opportunities without knowing if I have met the 120 payment requirement or not.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kimball, Tirey & St. John LLP (CA)

Kimball, Tirey & St John LLP, The collection company reported an outstanding balance of {$1300.00}. Although they have been told that litigation is in process and they should not report the debt to my credit till the court take a decision on or after XX/XX/XXXX the hearing date. 

The report caused damages to my business and personal financial needs. 

Attached is a letter they keep sending. along with the court documents.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2023, i booked a rental car for my road trip ( XXXX ) from XXXX XXXX XXXX XXXX California XXXX Oregon and Washington states XXXX 

The booking was through the XXXX app downloaded in my phone. this was actually my first time to use it and i will never use it again after this nightmare dispute! 

Although the booking with XXXX, the billing or payment was through XXXX XXXX XXXX that showed on my Chase credit for the charges. 

I booked twice on the XX/XX/XXXX. The first time, i found my picking car and dropping car times did not match with my flights ' arriving/leaving times, so i had to cancel it and rebooked it. So i was charged twice for the {$400.00}. The first charge was credited back to my chase car on the XX/XX/2023 ( Thanks ). 

But when we went to XXXXXXXX XXXX  company ( near the airport ) in the afternoon of XX/XX/2023, we were declined for a car. The reason was that this small company does not have service in Oregon and Washington States. The receptionist made a note on the booking and was sorry for the inconvenience, and asked us to get refund from the online booking system. But the online billing system ( XXXX XXXX  Hire ) did not want to refund me, so I went to my Chase card company for help. 

But even with many efforts ( many calls, two dispute letters, and many many hours spending ), Chase card company declined me. so I am here for help. I have attached all details and communications with the Chase.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (MN)

I contacted US bank and received acknowledgment of claim file on XX/XX/2023 requesting documentation. On XX/XX/2023 I emailed and faxed the requested documentation. I also included that in this complaint. I did not receive a response at all for the last several months. When i call customer service they transfer me to different department and non of them is able to help service this claim. There are XXXX fraud bank accounts ending in XXXX XXXX XXXX There is XXXX fraud credit card XXXX. The claim number for the credit card ID THEFT is XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I only have one VICTORIA SECRET account and not two. I have a Victoria Secret account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to XXXX XXXX XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding XXXX XXXX and Comenity Bank. I plan on seeking a lawyer and suing XXXX, Comenity Bank and XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Second Round Limited Partnership, Austin, TX Branch (NJ)

I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to second round XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding Second Round and XXXXXXXX XXXX. I plan on seeking a lawyer and suing XXXX, XXXXXXXX XXXX and Second Round XXXX
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TMX Finance LLC (GA)

We had gotten a loan from titlemax in XXXX ga we only had gotten a XXXX dollars loan and it seem like we haven't paid the interest down we still owed XXXX dollars but our payment was {$350.00} and it seem like anytime you left you have to restart loan all over again which is a rep off So they came and got the car now they want us to pay almost XXXX dollars to get back and none of that was in agreement, please look into it's the title max in XXXX ga XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

I went to get a car from Toyota and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Consumer complaint received 2023-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NJ)

The original creditor, a XXXX  using XXXX XXXX for billing, never contacted me directly to share that the insurance denied payment because they incorrectly billed an out of network code, instead of the in network code for the doctor. The procedure took place on XX/XX/2022. It took over 21 months and over 30 calls individuals to identify that the creditor listed, XXXX XXXX, is not the creditor that is owed. 

The creditor, XXXX XXXX, was never listed on the collection notice. XXXX XXXX is the location where the medical procedure was performed. After several calls and email to Wakefield Associates ( debt collection ) and XXXX  ( creditor ), I have not received any responses to correct the medical bill issue. XXXX has been unresponsive to phone calls and emails ; the doctor that analyzed the results is not reachable and Wakefield Associates has never responded to any dispute inquiry email that has been sent to them. They claim that they responded via mail but USPS has no record of any mail being sent to my address. My insurance company needs for the bill to be corrected so it can be paid.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " XXXX '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!! NOTHING IS BEING DONE I'M REPORTING THIS TO THE ATTORNEY GENERAL AS WELL MY LAWYER
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I opened a savings account at Bank of America and personally deposited {$18000.00}. However, in XX/XX/XXXX, I discovered that my identity had been stolen. A lawyer and advisor from XXXX advised me to notify all my banks and credit card companies, which I did immediately. 

In XX/XX/XXXX, BOFA informed me that my account had been closed and my funds had been frozen. Despite my repeated attempts to resolve the issue with the bank, and retrieve my funds, I have been unable to do so. The bank has provided me with misleading information, and no one from the branch or the claims/fraud department has taken responsibility for the issue. 

On XX/XX/XXXX, I visited a Bank of America branch and provided two forms of ID, as requested. However, they asked me to call the fraud/claims department on XX/XX/XXXX. ( 5 days later ). When I did, they asked me to call back again on XX/XX/XXXX. This back and forth has been going on for almost a month and nobody can give me an update on my case. This has caused me significant stress and frustration, as I have been unable to access tmy funds which I deposited.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXXI- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Around XXXX, XXXX, I applied for a credit card called XXXX rewards issued by FNB Omaha. On XX/XX/XXXX, the credit card application was approved for a credit line of {$15000.00}. I called in to activate the card, I was told that the account is on hold and that I will be receiving a letter in regards to what needs to be done to remove the restriction. However, I was going to leave the country for a vacation, and when I came back on XX/XX/XXXX, I had received a letter asking for me to send in a copy of my drivers ' license, and my previous year 's W2. I sent it over to them on XX/XX/XXXX, XXXX on XX/XX/XXXX I called them to see the status of my account, I was told that " i have sent incorrect documentation, and that I need to send those documents in after having them notiarized. '' So About a week later I had those documents notarized, and faxed it over to them. However, about a week after that I called them, and they said they have not received those documents and they gave me an email address to email it to them. I emailed those documents to them on XX/XX/XXXX ALL NOTARIZED as they had requested. On XX/XX/XXXX, I called in to find out if they received those documents and if they got a chance to review them, I was told that my account is closed as of XX/XX/XXXX and they gave me no explanation as to why it is closed other than the fact that I needed to send those documents in within 60 days of the receipt of the letter. When I was told on XX/XX/XXXX that I need to send those documents in notarized, I have sent those documents in on XX/XX/XXXX, which is 20 days. I do not understand What is the reason behind their decision as this is the not the first time I am hearing them do things like that. In fact, there are multiple complaints for the FNB Omaha bank for the way they operate when it comes to opening new accounts, and how they close the accounts after requesting and receiving the documents that they " need '' after approving the application initially.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

Dear Chase Bank, After reviewing my records with XXXX  ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Chase. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX