davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (DC)

GM Financial has made my life a living nightmare over the past month. They have been harassing me and extorting me for money over an alleged debt for an auto loan. The account has been showed as paid off on my consumer report since on or around XX/XX/. On XX/XX/XXXX, they conspired with a towing company and stole my vehicle at my residence. I am in possession of the title for this vehicle lien free with them released as lien holder as of XXXX XXXX PLEASE SEE ATTACHED IN-DEPTH COMPLAINT AND SUPPORTING DOCUMENTATION. NOTICES HAVE ALSO BEEN MAILED TO COMPANY VIA USPS CERTIFIED MAIL and Fax.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

Hey I have been trying to get my access to my funds for days this bank has been holding my funds for no reason I have been calling and they have no explanation for why my funds are being withheld i have done everything to get this resolved can you please help me
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Acceptance Corporation (TX)

Affiliated Acceptance Corporation diligently and willfully violated several federal laws. I reached out to them to validate this alleged debt ( obligation ) they attempted to collect as a debt collector. They stated that this account was closed in XXXX and they instructed the bureaus to delete it. However, this does not excuse them from blatant willful violations of federal laws. There is no statute of limitation on fraud. U.S v. Throckmorton 98 U.S. 61. Attached below is my first Affidavit of Truth to AAC notifying them of all their willful violations of federal law and outlining my demands to resolve these issues without any litigation. All my demands included in the attachment below are not request but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, federally protected consumer and natural person. If Affiliated Acceptance Corporation chooses to deceptively delay and/or state false information regarding this issue to avoid providing all my demanded remedy swiftly. I will continue my private administrative process and things will only worsen for them as this process goes on because they have caused me severe injury which is all outlined in my attachment below. I advise whoever at Affiliated Acceptance Corporation who receives this CFPB complaint and Affidavit attachment to forward it to your executive leadership team and legal team. Such individuals will understand what this documents signify and mean at this time.
Consumer complaint received 2023-01-03
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (LA)

HireRight is refusing to verify my past employment with XXXX for my new employer XXXX. HireRight has already verified my past employment with XXXX before for XXXX XXXX XXXX but now they are lying saying they are unable to verify it again. This will result in me losing my new job offer if the information is not corrected, verified, and updated.
Consumer complaint received 2017-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Dobberstein Law Firm, LLC (WI)

I honestly do n't know who is worse, this shady/crooked " law firm '', or the medical group that hired these XXXX. My wife, who was off of work due to a high-risk XXXX, while I myself was XXXX, had to have an emergency XXXX due to complications with labor. After the emergency XXXX, she got an XXXX, which made her be off from work even longer than expected, a total of 12+ weeks. Even with short term XXXX ( 60 % of pay ), with a family of four, with a house and other expenses, the medical group sent her/our account to these XXXX for collections, a mere 4 months after the procedure. Do the math, that put her back to work for one month, when the medical group and these bullies, collaborated to bring a suit against her. We never heard anything from this firm of XXXX, until I happened to be browsing our State 's court system website, checking on another matter, that I came upon the case opened. We dug through our stack of bills that we struggled to pay as we could, and I came across the bill for the medical group. I immediately went online to their bill payment system, and even though we did n't have the money really, pad the bill in full, per the amount showing on her account number. I contacted the medical group, and then called this firm to speak to the attorney who opened the case, XXXX XXXX. Instead of having enough fortitude to speak to me directly, she hid in her office, and I had to deal with some bargain basement paralegal, who copped an attitude with me, telling me that we owed an additional {$160.00}. I told her that we settled the bill, and since the case had n't actually been in front of a judge, that we were not paying for any court fees, etc., and that if she/they had a problem with it, to contact the medical group, whose bill was PAID IN FULL. She gave me all the attitude of a spoiled little, daddy 's girl, debutante, that I could handle, and I finally just hung up on her. Fast forward a month later, and these XXXX seriously went to the trouble and effort of opening a case for that additional {$160.00}, which we were not aware of at all, until a judgement had already been made, making it impossible for our side of the story to be heard in open court. It is people of such low morals, with their elitist, bourgeoisie enabling mentality, that fight for the already rich, to take from the poor, to make the rich ( themselves included ), even richer. Preying on working class families, and potentially taking food out of the mouths of small children. 

If you own a business, do not do yourself the disservice of hiring people like this. In one case, you 're only out money for an unspecified amount of time, and in the other, you have sold your soul to the XXXX, or some other form of XXXX XXXX.
Consumer complaint received 2023-01-18
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am filing this CFPB, complaint concerning inquiries placed on my consumer credit files. I was made aware of the inquiries back in XX/XX/2022. When I was sen a letter of denial for credit. On a vehicle loan application. 

From XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all made on XX/XX/2022. At the time these inquiries were made I was out of town attending a funeral. I did not find out about the inquiries until a week later. 

It was at this time I found out that the loans inquiries were made on the same date. I immediately contacted all three companies and advised them that I did not do a loan inquiry with their companies for vehicle loans. 

I started a complaint with both XXXX, and XXXX XXXX, and XXXX XXXX XXXX XXXX and they advised me that they would do an investigation. I assumed that they would investigate and remove the inquiries. I filed FTC complaints and forwarded it to the companies. And sent a copy to all three major credit bureaus. 

I reeived a copy of my Equifax Information Credit Report today. As, I was checking it I saw that the three inquiries were still on my report. I then called XXXX, spoke with the customer finace in vehicle loans departmenmt. I was advised that they did not see a loan of application for a vehicle. 

Nor, did they see any inquiries with my name for a line of credit. And did not know why a inquiry from XXXX was on my credit report. Infact, they did not even have my name in their systems at all for any line of credit. 

I also contacted XXXX XXXX, and XXXX XXXX XXXX XXXX also. No company could provide me with any application information for a vehible loan at all. Therefore, that this was a result of fraudulent activities. 

I am demanding that this complaint be sent to all three companies. XXXX XXXX, and XXXX, and XXXX XXXX XXXX XXXX XXXX to remove these inquiries from my credit files. Last year I was advised that the fraudulent inquiries would be removed. 

But, apparently were not removed and could not give any infomation as to why they were on my credit file.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank (MO)

Applied and rece ived First Progress Card. Init ial  XXXX  paid by Bank card on  XXXX   XXXX    XXXX  . Paid remaining Bank balance of  XXXX  on  XXXX   XXXX    XXXX  .    Contacted First Progress  at  XXXX   XXXX   XXXX   XXXX  to ask for refund of my  XXXX  and to cancel the new card, I was instructed that I would only receive  XXXX  due to they ca n't find the initial payment on  XXXX   XXXX .   Both transactions are clearly on my bank statement which I have sent to them.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (WV)

XX/XX/ Welcome to Chime email. ( I did not open an account ) XX/XX/ This is to inform you that the phone number associated with your Chime account has been updated to XXXX XXXX XXXX XXXX email. ( This is not my phone number ) XXXX Your card is on the way email. ( I did not request a card ) A dozen more emails through XX/XX/ when I complained about both the emails and the supposed account that I did not open. 
Emailed response : Send us your Social Security #. 
They also want a police report on identity theft. And in another email, they have asked for a picture of a government ID. 
NO WAY! 
These people have a rampant history of opening accounts without permission and sending out cards to people. They always refuse to do anything about it without Identity verification and usually require SSN and Driver 's Licenses, from what I have read of other people 's complaints all over the internet. 
I have notified the company that they are in error. I am NOT giving them ANY Personal Identifying information ; whatever they have- they obtained illegally. They are not trustworthy and I should not have to given them information they can harm me with. 
I don't believe my identity was stolen, unless it is stolen by Chime.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE (CT)

AIMLoan.com failed to pay real estate taxes when due out of the escrow account maintained for tax purposes. To date they have only paid a {$210.00} assessment with an additional {$4300.00} past due. As the borrower, we reached out numerous times only to be told it was being researched. As of today taxes remain past due by one month.
Consumer complaint received 2017-09-09
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. (WA)

I am one of the people affected by the Equifax Data Breach of 2017 ( I confirmed this with their tool at https : //www.equifaxsecurity2017.comXXXX ). Right now I am freezing all of my credit reports for multiple agencies ( not just the Big 3 ). I am also considering changing my SSN.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NJ)

I wrote a letter to Experian and requested for them to reinvestigate some inaccurate accounts on my consumer report the results came back as verified and accurate and remains the same. It's obvious they failed to make sure my consumer report is reporting 100 % accurate. XXXX XXXX XXXX is the name of the company with acct # : XXXX this account is a charge off account that is reporting a status of open and reporting an active ok payment history every month, the comments clearly say early termination so if the account is terminated how can it possibly be opened and reporting an active ok payment history every month. The second account company name XXXX with acct # : XXXX this account results came back as verified and accurate and remains the same, how did it come back accurate when XXXX is the original company and the status clearly say the account has been written off comments say purchased by another lender meaning they no longer own the account. XXXX and XXXX are no longer reporting these companies or the accounts on my consumer report these accounts should not be reporting on my Experian consumer report you are reporting false and misleading information Experian has failed to properly reinvestigate these accounts Experian are willfully noncompliance with the FCRA laws. These inaccuracy 's is a false misrepresentation of my credit obligation this has cause me mental anguish and anxiety and has been an inconvenience to me.
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. (NC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit International Corporation (WA)

Credit International i s attempting to collect a debt over {$4000.00} for a balance they received from  XXXX   XXXX . The interlock device was removed from my car. There were several attempts to resolve the issue with  XXXX   XXXX  and they declined the settlement offer. They waiting 4 years to send to collection agency. My balance prior to all the late charges and finances charges for 4 years added up to the balance over {$2700.00}, now I am being told  that Credit International is w anting over {$4000.00} for the balance that was owed after the interlock was removed from my car. Several attempts to settle the issue with  XXXX   XXXX  is documented and they declined to the settlement offer.
Consumer complaint received 2023-08-09
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-02-11
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. (KS)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 2023-08-09
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-05-10
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 have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U S DEPARTMENT OF EDU XXXX Account Number : XXXX XXXX U S DEPARTMENT OF EDU XXXX Account Number : XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Paid the total statement balance between XX/XX/XXXX and XXXX XX/XX/XXXX by due date of XX/XX/XXXX, but got {$57.00} interest charge. 
On XX/XX/XXXX, I made a purchase of {$3900.00}. The statement between XX/XX/XXXX and XX/XX/XXXX shows that New Balance Total {$3900.00} ; Total Minimum Payment Due : {$39.00} ; Payment Due Date : XX/XX/XXXX. 

On XX/XX/XXXX, I had {$62.00} of a statement credit. On XX/XX/XXXX, I scheduled a online payment of {$3800.00}. On XX/XX/XXXX, {$39.00} automatic payment was credited to the account. By XX/XX/XXXX, the total statement balance of {$3900.00} has been paid off. But {$57.00} interest charge showed in the statement between XX/XX/XXXX and XX/XX/XXXX. 

I have contacted the Bank of American and asked them to send the reasons and document about the charges, but I have never received. I filed on XXXX site, Bank of American has never replied also!