davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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)

I sent a letter on XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MD)

Over 2 weeks I transferred {$1000.00} into my Robinhood account after the account was accepted, my bank account verified any linked, IDs uploaded to their system. Account was immediately frozen. I uploaded all information again into there system including IDs, multiple bank statements, multiple selfie photos, and specific transaction PDF and screenshots of the {$1000.00} transaction listing under Robinhood. Account is still frozen with the dates in there system constantly changing with no resolution and no contact from Robinhood.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX I noticed two withdrawals from my XXXX XXXX checking account made on XX/XX/XXXX for {$48000.00} and XX/XX/XXXX for {$32000.00}. This amount was all of my cash savings. I immediately called the bank 's fraud department to notify them of the unauthorized payment and the bank opened a claim XXXX. They informed me that amount was withdrawn by Citibank account with under my name so I next called them to find who made the transaction and I found that there really was a bank account in my name at Citibank. I hold a credit card account with Citibank but I never created a bank account with them. I asked to talk to the fraud department at Citibank to notify them of the fraudulent account. They said they will look into my report but refused to provide a reference number for my report. Next, I called the local police department to report the theft. XXXX. XXXX XXXX created a report for me after acquiring all the information. 

Over the last month, I was able to get a case number from Citibank and was advised that I would receive an affidavit and documentation in mail. It has been 3 weeks and no documents arrived in the mail. This account was used to commit theft on my checking account. I want to know how did Citibank authenticate the identity while account creation. Why didn't I receive any communications regarding this account in my name? How were transactions allowed with no passwords, OTP or third party authentication? Citibank had my information on their database as I hold a credit card with them. Why was the information not cross-referenced during account creation? Who holds the funds that were stolen from my checking account?
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/XXXX and again on XX/XX/XXXX Santander offered to settle my account if I contacted Customer Service Department to voluntarily surrendered the vehicle associated with my account, they would be willing to settle the account for the amount received for the vehicle at auction. Once the vehicle is sold at auction, the sales proceeds will be applied to the account and any remaining balance will be waived. This is does not have an end date. 

I contacted Customer Service Dept. on or around, XX/XX/XXXX. The representative stated the vehicle was currently up for repossession. So Id need for the Executive Office to either change the Repossession status to Voluntary Surrender status and/or Id need an updated letter. 

I contacted the Santander Executive Office, on or around, XX/XX/XXXX and was told Id need to submit a complaint. On XX/XX/XXXX I submitted my complaint request. I received a letter from Santander dated XX/XX/XXXX that they respectfully Decline to change the Repossession status to Voluntary Surrender and they also Declined their initial offer.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (CT)

Name : XXXX XXXX Account Number : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX/Santander This is my first time ever buying a car. XXXX  XXXX XXXX, I was just informed my contract was fraud. I didnt know I had the right to rescind the consumer credit transaction. My credit score was a XXXX. They demanded I put {$1000.00} down. I was told they werent supposed to comingle cash when it comes to a finance charge during a consumer transaction. Title 15 1635. Also, I pay my own car insurance. According to title 15 1605 insurance shouldve been included in the finance charge. I would like to arbitration and get an additional {$75000.00}. I have all documents I just wan na see if Im this is accurate??
Consumer complaint received 2023-06-22
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

It appears that the party in question has violated the Fair Credit Reporting Act ( FCRA ) by unlawfully accessing my consumer reports from XXXX, XXXX, and XXXX without proper authorization or permissible purpose as outlined in the FCRA. As a consequence, they are potentially liable for actual damages, statutory damages up to {$1000.00}, and punitive damages. I am open to resolving this matter amicably without admission of liability. I request that the party in question ceases accessing their consumer reports and remits {$1000.00} to their my within 14 days of receiving this demand. Upon receipt of the payment, I will consider this letter a general release of all claims herein.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (NV)

I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of late payment for my XXXX XXXX XXXX, I received a call around XX/XX/XXXX, from a a representative from XXXXXXXX XXXX XXXX XXXX that stated, if I made a money order payable to the directed address that the the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on their credit card so I assumed if I paid the credit card payment for the month of XXXX of XXXX  dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person to who I spoke to was not a representative of XXXX XXXX XXXX XXXX and the money order I wrote was directed to an unauthorized place I would like to make a police report in regards to the fraud call made on behalf of XXXX XXXX XXXX XXXX which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it won't happen again XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX RE : LATE PAYMENT REMOVAL FROM RECORD XXXX  XXXX XXXX  XXXX Dear Experian I received a call around XX/XX/XXXX, from a representative from XXXX XXXX XXXX XXXX that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on their credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person to who I spoke too was not a representative of XXXXXXXX XXXX XXXX  XXXX and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. 
It would help me immensely if you take the late payment off my XXXX XXXX XXXX history and make an adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have financially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. 
Thank you for your consideration, and I hope you'll approve my request
Consumer complaint received 2022-10-22
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. (CT)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opend : XX/XX/XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$24.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-04-21
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: DISCOVER BANK (CA)

On XX/XX/XXXX I received an email from one XXXX XXXX claiming to be the Hiring manager from a real company, XXXX XXXX from Utah. She asked to interview me for a XXXX XXXX XXXX XXXX. I proceeded to interview on ( XX/XX/XXXX ) and again on ( XX/XX/XXXX ). I did the majority of interviewing on XXXXXXXX XXXX through the chat system with them claiming " our surveys on interviewing deemed text-based interview to be the best ''. I found out later on ( XX/XX/XXXX ) that I was hired and would be communicating with XXXX XXXX my coach/team advisor. On ( XX/XX/XXXX XXXX XXXX XXXX informed me that due to XXXX XXXX shipments for the work equipment needed were heavily delayed so he needed me to purchase them from their preferred retailers. He issued a check for the amount of XXXX to me and sent the check via email and it was a pdf file. I had to print out the check, endorse it, and then do a mobile deposit of the check into my XXXX XXXX account. Only a certain amount would be available on XX/XX/XXXX and the rest the next. He made me wire transfer XXXX for the work equipment. I proceeded to transfer the money to XXXX XXXX thinking it was the XXXX XXXX money. The next day, XXXX instructed me to go to the XXXX store to buy an XXXX XXXX ( XXXX $ ) for work equipment and XXXX XXXX XXXX XXXX XXXX XXXX I went in store to the XXXX XXXX XXXX store in XXXX, CA to make the purchase. Since my deposit amount limit is XXXX on my XXXX XXXX account he instructed me to use my credit card to charge for the XXXX products if the next work check will purchase and cover the rest of the expenses and I'll pay it off later. I had to print out the next check to endorse it and deposit it for the next day. While at the XXXX store for printing, he also instructed me to ship out the XXXX so they could install the software needed for work. So, I shipped the phone off to some place in Texas in hopes that I would receive the phone back for work use. I woke up the next day Thursday ( XX/XX/XXXX ) and my entire bank account was XXXX $ and the credit card charge was still there. I was confused and called my girlfriend who XXXX me XXXX $ to avoid overdraft charges from XXXX XXXX. She had called the company XXXX XXXX to inquire about the legitimacy of the job and the real company confirmed that they don't have a remote position. I then proceeded to notify my banks of the scam and XXXX. I filed the police report and later called XXXX and was somehow able to receive the money-back from the XXXX gift XXXX so I could pay off the gift cards. I later called Discover to create a dispute for the XXXX XXXX and Discover said I couldn't do anything about it since I shipped the phone off. I have photo and video evidence of every single detail listed in this incident. I'M FILING THIS BECAUSE DISCOVER REFUSED TO DISPUTE THE XXXX CHARGE FOR THE XXXX PURCHASE DUE TO THE SCAM. I ALREADY BLACKLISTED THE PHONE
Consumer complaint received 2023-02-17
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. (AZ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Block the items that are reported in my file Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-12-30
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2018-01-20
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. (GA)

I had my identity stolen by someone I knew back in XX/XX/XXXX and several accounts were opened with my social but a slight change in my name. I had to go to the police station back then and fill out an affidavit to report the fraud. It is now XX/XX/XXXX, XXXX and XXXX has my correct name, address and date of birth, but for some reason Transunion still has the name the person used in XX/XX/XXXX, along with their address and date of birth they used even though this information does not match my social. I 've also noticed that my Transunion score is around 30 points lower than the other 2 bureaus. Transunion also has my former employer 's information listed, and collection notices were sent to the corporate office of that employer with out my consent.
Consumer complaint received 2024-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP (IL)

I am a XXXX XXXX XXXX XXXX on a fixed XXXX income. My mortgage payments are automatically taken out of my bank account every month so I hadn't noticed that I was being charged a {$24.00} service fee since around XX/XX/XXXX. My sister was helping me audit my expenses and came across this. My sister discussed my situation with a branch in Colorado ( who did not have access to my account ) yet informed her that it must be an old account and they should reverse the charges since I met the criteria of {$1000.00} worth of deposits per month. 

On XX/XX/XXXX, upon contacting the local branch ( with my sister on the phone as well ), I engaged in a conversation with XXXX. He explained that the fee in question was tied to my mortgage refinancing back in XXXX. Despite my attempts to resolve the issue in a satisfactory manner, we requested to speak with a supervisor and was directed to XXXX. However, rather than assisting us, XXXX invoked the Fair Banking Standards Act. She declined to facilitate the retrieval of necessary documents and ascertain the duration I have been subject to the maintenance fee since the mortgage fell below $ XXXX. Faced with this obstacle, my sister resorted to physically examining my back account month over month upon arriving in Illinois on XX/XX/XXXX for a visit. 

My earnest plea is for the reimbursement of all fees incurred since XX/XX/XXXX, ( the best of our ability ) totaling {$490.00}, to be credited back to me. 

This act of goodwill from US Bank not only enables me to be reimbursed for the lack of information provided but also serves as a tangible demonstration of your company 's steadfast commitment to supporting individuals with XXXX.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NV)

The company reported to credit bureaus on XX/XX/23 and showing on all 3 agencies Letter was sent on XX/XX/XXXX regarding 15-U.S Code 6802 law
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Company report collection balance of {$610.00} on XX/XX/XXXX Sent letter regarding 15. U.S. Code 6802 on XX/XX/XXXX XXXX