davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
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: Experian Information Solutions Inc. (FL)

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.

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 2023-11-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MA)

On XX/XX/2023, I received an email saying that an account on Chime was opened. I called the company after XXXX it and found the phone number XXXX the person who answered my call wanted to ask me for my data, so I told him that I did not know what is Chime, and I just wanted to know if that company is real. 

He told me that they were based in XXXX XXXX, CA, but that he was taking my call from overseas. I did not want to call again and I ended that call by saying that if I saw something suspicious I would notify the authorities or the police. 

Tonight, I just got home and saw more emails with transactions on that Chime account. 

I am attaching the emails received. I think this is a fraud or scam, if not phishing, and they are using my email to get my name, and also a previous address where I used to live before. 

In one email they sent me this information for the Chime account that I had not opened ever. 


Routing number : XXXX Checking Account number : XXXX I would really appreciate anything you can do to protect my data and my rights. This account is not authorized by me. All the transactions made for them, are not mine, Somebody is acting using my email address and my personal data.
Consumer complaint received 2023-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (OK)

On XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX, Ok sent the payoff check for {$13000.00} by XXXX XXXX ( tracking number XXXX ). It was received by Flagship on XX/XX/XXXX at XXXXXXXX XXXX. XXXX XXXX said that the check cleared their bank in XX/XX/XXXX. I received a call on XX/XX/XXXX and was told I needed to make a payment and that they had not received the payoff check yet. I paid {$310.00} on the XXXX However, I called several times beginning the first week of XXXX when the payoff was not showing on my account. I was told I needed to provide the tracking number ( which I did ) and was told I needed to provide proof that the check was cashed. This was sent to them directly by XXXX XXXX. 

As of today, they payoff has not been applied to my account. 

I would like the account to reflect that I have paid off the car and the interest backdated to the XXXX when they received the check. I would like any overage amount returned to me.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.
Consumer complaint received 2023-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent 4 letters via XXXX mail with tracking to Transunion to dispute inaccurate information from multiple creditors. Transunion has yet to provide any follow up or information about such investigation requested. The first letter being sent XX/XX/XXXX requesting a investigation into inaccurate accts. It is now XX/XX/XXXX, 4 months later and I still have not received anything. I sent a second letter XX/XX/XXXX and the latest letter being since XX/XX/XXXX. The same letter were sent to the other XXXX XXXX 's ( XXXX and XXXX and I received responses and was also successful at removing many inaccurate accts. I have also sent copies of this information as well to Transunion and still not response. I was able to call Transunion and was not able to speak verbally to anyone, but was able to chat with a rep XXXX where she confirmed the letter were received, and that there is a investigation. I asked why is it taking so long when the law requires 30-60 days for an investigation and its been 4 months over 90. In the meantime, Transunion has updated more inaccurate information from the same accts that are being disputed and removed by the other Companies. How is this okay if the same information is reported to all berueas. THey are allowing these companies additional time to conjur up information that is not being reported or update with any other the credit reporting agencies. I feel that is not transuions place to give passess to companies and the information that is reported. They should beable to provide an update in the investigation i requested if its taking more than 30 calendars days to investigate.
Consumer complaint received 2023-10-07
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. (FL)

After getting a full report of my credit I noticed there are a few inquiries I do not recognize, and I did not sign up or get an account with the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I received proof of me with a contract/ service given from their companies. 

I also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have 4 open accounts dated : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. 
As for these dates no accounts are open, All open accounts with company dates have inquires listed which are the four I only have knowledge of.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The accounts were paid off in XXXX of 2023, with Capital One Auto Finance. I had 2 accounts with them, they sent me the titles in XX/XX/2023. So this closed the account, as of XX/XX/2023 they reported late payments and a balance and hasn't fixed the issue. This ha caused me hardship, ruined my credit score that was XXXX and now I'm a XXXX and can not do a HELOC, because my score was affected by Capital One Auto Finance.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-07
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. (FL)

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 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 an 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 2023-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paypal Holdings, Inc (AZ)

I started a monthly installment plan through PayPal to purchase a new computer. The plan was to use this line to rebuild my credit. The plan started in XXXX of XXXX Ive paid all my payment on time with a total bill of XXXX Ive paid off XXXX of the total as I write this on XX/XX/XXXX. 
Owing a total of XXXX. They made me aware they would definitely report if I didnt pay but could give me no info on if they are reporting my payments
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (TX)

The amount of {$430.00} was transferred on XX/XX/2018 through my wellsfargo account to a friend who enrolled in XXXX but her bank is XXXX so she never received the money. I opened a claim with XXXX to have my money refunded so I could send it to her in another way but they state that the transaction has been completed and will not refund my money that I have to go through XXXX. At this time XXXX is referring me back to my bank. It's becoming a nuisance that they keep " pointing the finger '' to one another and I still have {$430.00} deducted from my account that my friend hasn't received. She did end up adding her phone number and email address to a XXXX XXXX XXXXXXXX account and it still hasn't been sent to either one of her accounts.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I got a phone from XXXX XXXX I was quoted 1 amount for the monthly bill and received a bill for a different amount I was given 30 days to return all items which I did on or around XX/XX/XXXX. I got the phone on or around XXXX XXXX. The woman I spoke to called me on or about XXXX XXXX and informed me that they received their items and I owed nothing. Now today XX/XX/XXXX from AmSher Collection Services Inc. that they're attempting to collect a debt of {$160.00} for XXXXXXXX  for a debt from XXXX XXXX. 
I called XXXX and spoke to a representative who stated that since I no longer have an account she couldn't help me and I'd have to go to a XXXX  store. I am also a XXXX XXXX XXXX veteran and live on a fixed VA XXXX income only
Consumer complaint received 2023-04-30
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. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
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: Bread Financial Holdings, Inc. (PA)

COMENITY BANKXXXX XX/XX/2022 ( date of inquiry ) COMENITYCAPITAL/XXXX- XX/XX/2022 ( date of inquiry ) I have never applied or had a Comenity credit card .so Im wondering why they would inquiry with my SS #?
Consumer complaint received 2023-10-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/ my phone account, email and bank account at Bank of America was hacked and completely wiped out in the amount of {$68000.00}. There was a transaction of {$5000.00} from my savings and several other transactions from my checking totaling fairly around {$18000.00} to a bank account in New Jersey. 

They contacted my phone company canceled my account and ported my phone number over to XXXX so they could receive notifications from my bank as well as approve the transfers, how they were able to do that? Your guess is as good as mine! 

A very sophisticated crime I would say and a huge security risk for everyone who trust the banking and phone system! 

I was out having dinner with my family when my card declined, I checked my bank account and I could not believe it! All the money I had was completely gone! I have not had money to feed my family, pay my bills or my mortgage for that matter no money has been returned to me for the past 15 days and I have suffered. I dont even know how were making thru, it can only be God at this point because Bank of America dont care until their investigation is done, until then we suffer! 

I closed the bank account opened another one but Bank of America said I must wait 10 days for the investigation which could possibly go to 90 days if they dont reach a decision, its pass 10 days at this point, so at 90 days what will happen to me and my family? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I live a straight and narrow life and here I am suffering. 

It seems the bank put me through more hoops than they put the scammers through that stole all of my money! 

Please I need help on this matter before I lose everything Ive worked so hard for all of my automatic bill payments that were connected to my account are now being declined and I dont have any access to my money to pay it, I am in over my head. 

Please get someone on this matter as soon as possible! 

I have no idea what I could have done differently as I do not share any of my pins or personal information with anyone, this is a huge problem for me and so many unsuspecting others. 

What Ive learned? Dont keep all of your money in one bank!
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MI)

The company reported that the account was closed XX/XX/XXXX The company stated that the account has been charged off years ago and still shows a balance. According to consumer law all information must be accurate. The company has caused me to have financial and emotional distress.
Consumer complaint received 2023-10-07
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.

This accounts and Inquiries 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.