davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I was unable to get a refund from a merchant in XXXX XXXX XXXX. I subsquently filed a dispute with citibank to charge back the purchase. As of XX/XX/XXXX the dispute has not been resolved, although I have provided citi with proof that merchant agreed to refund the purchase but hasnt done it.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander should never have extended financing if I had negative residual income. I trusted my dealer. I was never asked what my monthly debt obligations were or income. I do not work, I am a XXXX XXXX XXXX utilizing the end of my XXXX XXXX XXXX XXXX and it has reached the end. My original intent was to trade my XXXX auto that I bought from that dealer, and use an additional {$7000.00} to {$10000.00} that I saved as a down payment. My credit is extremely low and has a lot of medical bills defaulted with a rating of under 300. When I expressed my concern and worry stating I could only afford {$220.00} per month MAX, the owner of dealership would wave his hand telling me not to worry and I would be leaving his dealership in a brand new car. When I told him I needed to go home and write my check for down payment, he said " just bring it when you can, no rush ''. That didn't sound right. When I told him that I only wanted to pay {$7000.00} down, he said I couldn't do the deal then and wouldn't have a car. He said that since my credit was so very low, I had to use Santander Consumer USA with a MANDATORY service warranty and this weird arbitration clause which I do not understand. When I said I did not want a warranty, it was a brand new car, he told me it is attached to loan and I have to. The sticker price on car was {$34000.00}, my down payment equals {$17000.00} ( {$10000.00} cash/ {$7000.00} trade in and pay off ), 14 % interest rate from Santander 72 months with a total sale price of {$50000.00} (? ) and a lot of verbal chatter about this is a " different '' type of loan and not to worry about it. I called XXXX ( owner of dealership ) on my way home crying telling him I can not afford a {$470.00} per month car payment. I never in my life had a loan payment that high for an automobile. He said it was too late. I left him a voicemail ( night of sale ), called him in morning, sent emails and told him he has to take it back I can not afford it. He said it was " too late ''. I have defaulted since the loan originated in XXXX, XXXX. Santander never even looked at me and noticed I had a negative income? Isn't that by LAW what they were supposed to do according to their agreement from XXXX? My loan is unaffordable and I defaulted every month since I got this loan. They need to forgive this loan. I trusted my dealer too! He knows I'm a XXXX XXXX XXXX trying to get my degree and I do not WORK yet!
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Customer Service Department Fifth Third Bank [ XXXX XXXX XXXX, XXXX, OH XXXX ] Subject : Request for Assistance with Check Fraud and Reimbursement of {$2500.00} Dear Customer Service Team, I hope this letter finds you well. I am writing to inform you about a concerning situation involving my Fifth Third Bank account. I have recently become a victim of check fraud, and I am seeking your assistance in resolving this issue and requesting reimbursement for the fraudulent transactions. 

On XX/XX/2023 I discovered unauthorized activity on my account involving a fraudulent check that were written in an error of employer and deposited with XXXX XXXX XXXX consent but was no funds in secondary account so XXXX XXXX XXXX accounts at fifth third has a lock and block on card. These transactions also have resulted in a loss of {$2500.00} from my account. I take this matter very seriously and promptly reported the fraudulent activity to the local authorities and obtained an official police report. 

I understand that Fifth Third Bank is committed to safeguarding its customers and providing support in cases of fraudulent activity. I kindly request that you initiate an investigation into the unauthorized transactions on my account and take appropriate measures to secure my account from further breaches. Additionally, I am requesting reimbursement for the full amount of {$2500.00}, which was unlawfully withdrawn from my account due to this fraudulent activity.

Please find attached copies of the relevant documents, including the police report and any other supporting evidence. I am fully cooperating with the authorities and am prepared to provide any additional information required to expedite the investigation.

I trust in Fifth Third Bank 's dedication to maintaining the security of its customers ' accounts and resolving issues promptly. I kindly ask for your assistance and support in this matter. I believe that with your expertise, we can swiftly address this situation and ensure that I am rightfully reimbursed for the unauthorized transactions.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (IL)

You are reporting an incorrect amount on my credit report. The last bill I received was below {$700.00} I moved out of that apartment and the utility was disconnected before I did so in XX/XX/2021 XXXX
Consumer complaint received 2023-08-09
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Inquiry XXXX
Consumer complaint received 2023-03-08
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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 BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-31
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: CL Holdings LLC (MD)

I have a loan with JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, JEFFERSON CAPITAL SYST, XXXX/XXXX, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

previously disputed account through CFPB reference number XXXX and results came back still inaccurate. I have been asking for verification on debt you claim is mine. Results to CFPB dispute came back with a bill statement but bill statement is not a way of verification. Bill statement that was provided as results of verification states credit limit as {$250.00} and balance shows to be {$390.00} at one point and {$480.00} on different bill statement this is not possible. There is no way that balance is higher than credit limit.. I ask that you please provide information on how you claim that account belongs to me. What method was being used to make payments, and what other method is being used to verify that debt belongs to me? As of right now account is still in accurate and I ask that you delete immediately if you can not provide accurate information.
Consumer complaint received 2022-11-18
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. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2019-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A website call XXXX based in XXXX randomly charges my checking account ( some form of random recurring payments ) amounts ranging from {$20.00} to {$370.00} dating back to XX/XX/2019 where I thought through my bank we had removed these fraudulent charges. Then they began again in XXXX and XXXX totally over {$4000.00}. The most recent ones are just this lack week while I was traveling for work in XXXX and while my bank is working diligently it has been an ongoing problem I can not seem to remedy. I have contacted XXXX and they only say we have no record of you in our system for any services. Any help is greatly appreciated.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I contacted XXXX and Experian via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that XXXX and Experian both verify their public records data with. Somehow, XXXX and Experian claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both XXXX and Experian have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by XXXX and Experian within the last 3 months to which XXXX was unable to find any record of these companies doing so.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/XXXX Today we were preparing to make two monthly car payments each being {$320.00} and then pay the remaining {$29.00} that remained from the amount the Regional Acceptance automated system stated we owed which was {$10000.00} on XX/XX/XXXX, and we paid {$1000.00} Mailed XXXX signed Delivery on XX/XX/XXXX. 

Yesterday there was a stack of duplicate billing statements received that totaled about XXXX. ( We have included a copy of one of the 15 duplicate billing statements received a few days ago and the audio from the Regional Acceptance Automated Billing system dated XX/XX/XXXX. 

All 15 duplicated billing statements state the same fraudulent billing information. Take for example. All 15 billing statements received on the same day show a due date of XX/XX/XXXX with a date at the top of their billing statement that says Notice date XX/XX/XXXX. 

This billing statement now states that after stating according to them that I had a past due in XX/XX/XXXX of {$10000.00}. I still have an additional past due amount of XXXX due XX/XX/XXXX on the same date of {$10000.00} in which we paid {$1000.00} on XX/XX/XXXX. 
This is untrue. We owe for XX/XX/XXXX and XX/XX/XXXX is not due yet not until XX/XX/XXXX. 

My last five previous payments beginning with the most recent are as follows. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX # XXXX XX/XX/XXXX {$410.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$390.00} I want Regional Acceptance to correct and update the due date on this account, show the interest rate and the correct past-due balance if any, and stop backdating the due date to XXXX and then placing a current date at the top of the duplicate billing statements they are sending out this is unprofessional, illegal, and harassing to receive so many billing statements at once. 

They send so many statements at once that the lid on the mailbox cant close without force from the mail carrier. 
Thank you in advance for your attention to this matter.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Was notified of a hard inquiry report from my credit bureaus earlier this month for Capital One. Discovered someone successfully hacked my credit/SSN and got a Capital One credit card in my name and was getting a credit card shipped to my house. Capital One did fix the problem promptly but still want to report incident
Consumer complaint received 2022-11-18
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase foreclosed on my home illegally while dual tracking claiming repeatedly they had no interest in the home they were a servicer that had transferred the servicing to another company. They then had my home sold at Auction and purchased it for {$500.00}, when I called their Executive offices they told me '' WE CAN PURCHASE A HOME FOR WHATEVER WE WANT YOU SHOULD HAVE PAID YOUR MORTGAGE '' They took the home through eviction then turned around and listed it for {$140000.00} not even 3 weeks later. So they got paid through insurance for the mortgage as a bad debt wrote off the debt bought the home for {$500.00} then are reselling it for {$140000.00} more and still trying to collect on the original {$120000.00} loan as an outstanding debt. 

HOW DOES A SUPREME COURT JUDGE ALLOW THIS TO HAPPEN HOW ARE THE BANKS ALLOWED TO GET AWAY WITH THIS ESPECIALLY WHEN THE FORECLOSURE WAS NEVER DONE PROPERLY TO BEGIN WITH.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the fair credit reporting act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.