davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Capital one Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (MO)

I obtained multiple XXXX  loans to fund my XXXX XXXX I recently XXXX  and recognized that I can not pay XXXX  loans as I don't make enough money to buy food, pay rent, etc. Fortunately my father helps me with expenses. We did an inventory of my XXXX  loans. I have XXXX, all with Discover Student Loans. XXXX of them my father had to cosign. XXXX of them they approved me without a cosigner. They positioned this as great news, what I didnt realize is that they were happy to charge me a predatory interest rate. All of my other loans ( with my father ) are a few basis points lower. This is where the complaint comes in .... I reached out to Discover to refinance the loan and add my father to bring down the interest rate. They refuse. They are now saying that I have to qualify for the loan on my own, which we all know I cant do ..... I have made on time payments to them for years and just want to add my dad to the loan to make it more reasonable, but they are trapping me in this predatory loan. I applied with my supplemental income to qualify ( the computer approved me with it ), but they wont use it and declined my loan. They are purposely setting me up for failure and default.
Consumer complaint received 2023-07-07
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. (NV)

I applied for a business card and agreed to use the credit card for the sole purpose of the business. I have a personal and business account with XXXX and the personal and business accounts are separate. XXXX has been inaccurately reporting to my personal credit, the reporting dates are not accurate across the board with all bureaus as well as the dates that they began reporting on my credit. One report states that they were reporting to my personal report as of XXXX and the other credit bureaus has XXXX as the starting dates for reporting. My personal credit score has been adversely, tremendously damaged because of the high usage for my business needs and proof has been submitted. I have submitted a letter displaying that they have acknowledged that I have a business and the booklet that was sent to me enclosed with my credit card that clearly states that the business credit card account XXXX was issued for business purposes only. I agreed to that statement and have upheld to that agreement. Also I had a previous dispute asking for this account to be removed, equifax, XXXX responded by stating that that account and the requested inquiries were removed but they have not been removed. I also submitted a request for a few other things that has been reporting over 7 years ( XXXX XXXX XXXX which has been closed, both XXXX XXXX XXXX XXXX  accounts and a duplicated XXXXXXXX XXXX XXXX account ) they just keep responding that the accounts has been verified which is not what I requested.
Consumer complaint received 2023-02-06
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. (MI)

It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. " THIS IS NOT A DISPUTE ''!!!! THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-07-06
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)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

A check from my personal US Bank checking account was fraudulently deposited at another institution on XX/XX/2023. I immediately contacted US Bank about this fraudulent activity in XXXX ( the day after it was discovered ) and they have been dragging their feet in reimbursing me the fraudulent amount as guaranteed by their terms and conditions. It is over {$4000.00} dollars of fraudulent money taken from my checking account. I call in over and over and get excuses about why they haven't completed the investigation yet. It has been over three months and I am no where closer to getting my money back. I have called multiple times in XXXX, XXXX, and now in XXXX. I was sent information to complete, and sent it back but I receive no updates on my case. In fact they have never once proactively updated me on the status of my case ; I have to call in and wait to talk to someone in XXXX and even then they have very little information to give me. I am very upset since I am the victim of fraud and they do not seem to care at all about getting my money back to me.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have made numerous efforts to remove incorrect information on my report without success beginning in XX/XX/XXXX beginning with XXXX XXXX XXXX who reported incorrect dates and amounts. This complaint was made directly to the mortgage company. XXXX, XXXX  XXXX who I filed a complaint against directly to the credit bureaus and still they are reporting a lateness that never occurred. Third, the previous balance owed to XXXX XXXX XXXX is also in error. On this account, I obtained the services of XXXX XXXX in XX/XX/XXXX and have not been successful as of yet. One of the more serious complaints I made with the credit bureaus is the XXXX  XXXX XXXX XXXX XXXX who persistently reported incorrect information regarding lateness and dates. Last, my account with XXXX XXXX and XXXX has also been reported in error. 

In accordance with the Fair Credit Reporting Act, these companies and credit bureaus have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have a 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 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (KS)

I paid {$30.00} stop payment at Chase Bank for XXXX XXXX XXXX XXXX because I did not want to pay this debt because it violated the contract that I had with it. XXXX is the collection agency for Chase Bank which is the reason Chase did not follow though on the stop payment. Chase Bank charged me overdraft fees in the amount of {$360.00} I have contacted Chase Bank but the issue has not been resolved. My account is not accessible because I have a negative {$360.00} and Chase Bank want me to pay this amount to bring my account current. XXXX has stated it will continue to present a draft each month for {$230.00} to Chase Bank.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

I have been attempting to withdraw {$31000.00} from my apple savings account by Goldman Sachs since XX/XX/XXXX. The transaction has been in a pending withdrawal status for over one week. The banks website states that withdrawal request will be processed within 1 to 3 business days. When I have contacted customer service, they have communicated a five business day timeline. After several calls to customer service in which I was told to wait, a representative informed me on XX/XX/XXXX that my account was flagged and that a hold had been placed on my withdrawal because I had deposited additional funds in the accojnt from a different bank account than my original deposit. I was not notified of this hold. I was told that the flag was cleared and I could expect my funds within two business days, which still has not occurred. When I contacted customer service again on XX/XX/XXXX, because my funds have still not been transferred I was told there is no hold on the account and that I should see the funds transfer within five business days again. When I asked to be transferred to a supervisor. I was told I could only receive a call back and that they couldnt guarantee that I would receive a call back within 48 hours because call volumes were high. This bank has prevented access to my funds for going on 10 calendar days now and has given me no assurances as to when I can expect to receive access to my funds.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (KS)

I have been on track making the fixed monthly payments on the loan, plus making extra payments within each month ( after paying the fix monthly payment ). However, the company does not apply my extra payments to the principal balance. I contacted the company several occasions and they said they apply the extra payments to future interests, that has not accrued yet. Allocating my extra payments to interests not accrued have limited my ability to reduce my principal balance and I feel it is unethical/scam to use this billing method. 

XXXX, 2023 payment for example. 

Amount due : {$0.00} Amount paid : {$230.00} Allocations by company : {$190.00} interests, {$45.00} Company says {$190.00} is future interests that have not accrued yet. 

Contacted the company on XX/XX/2023 2023
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SC)

Citibank offered XXXX XXXX XXXX  miles for opening a checking account and completing {$1000.00} in purchases using ATM card and {$1000.00} in ACH deposits. According to the terms and conditions, once the offer requirements are met, miles will be credited to your account within 30 days. I opened up a checking account on XX/XX/2023 and completed the required tasks. On XX/XX/2023, I chatted with customer service and they confirmed that I had met the offer requirements. On XX/XX/2023, I chatted again with customer service and they stated that I met the offer 's requirements on XX/XX/2023. They filed a promo dispute ( YOUR CASE ID : XXXX ) and stated it should take XXXX business days to investigate. XXXX days later, I still have not heard anything from Citibank nor have I gotten the XXXX bonus miles.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/2022, I received email and phone calls from Ally Bank that they suspected my debit XXXX had been fraudulentlycharged. The five charges were : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX {$220.00} All were shown as Pending. 

I called Ally Bank on XX/XX/2022 and told them " do not pay - the debitcharges are fraudulent ''. They cancelled that debit card and sent me a new one. 

About two weeks later I reviewed my checking account and found that the fraudulent charges had been paid. I called Ally Bank and complained. I answered their questions and they said that I would receive a letter in ten days. I still have not received a letter nor has the {$440.00} been returned to my account.
Consumer complaint received 2017-12-09
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX in which you have so where did XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX come from mor information place on my credit file that 's wrong. 

I 'm filing a FTC issue on XXXX on the same thing over and over incorrect information
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am  XXXX . I suffer from   XXXX   XXXX  y. I was working while attending the school that I obtained a loan for. At a certain point my  XXXX  had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  Mothers  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CREDIT UNION IN VIOLATION OF PEN. CODE 496 ( a ), Title 42 USC 1986, Title 18 USC 241, Title 18 USC 242, Title 18 USC 1091 : Genocide, UCC 9-317, UCC 9-322 , UCC 9-203 ( b ) ( 3 ), R.I.C.O. ( Racketeer Influenced Corrupt Organizations Act ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, & FRAUDULENT MISREPRESENTATION. NFCU REPORTED A COUNTERFEIT LOAN ON XXXX  THAT WAS NEVER SIGNED BY THE DEBTOR DAMAGING THE CREDIT REPORT. NFCU COLLUDED WITH THE STATE OF CALIFORNIA DMV TO RECEIVE A CALIFORNIA CERTIFICATE OF TITLE UNDER A FALSE PRETENSE AS LIENHOLDER WHEN THEY DIDN'T HAVE A FINAL SIGNATURE ON THE " LOAN '' WHILE A COMMERCIAL LIEN WAS PUT ON THE AUTOMOBILE BY ME 30 DAYS PREVIOUS. NFCU, THROUGH TORTIOUS INTERFERENCE, INTERCEPTED MY AUTOMOBILE FROM A TOWING AGENCY ON A FALSE PRETENSE OF " LIENHOLDER '' AND ILLEGALLY SOLD MY AUTOMOBILE WHILE MY LIEN ON THE AUTOMOBILE IS CURRENTLY FILED AT THE OFFICE OF THE SECRETARY OF STATE OF CALIFORNIA WHILE I AM TYPING THIS.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am  XXXX . I suffer from   XXXX   XXXX  . I was working while attending the school that I obtained a loan for. At a certain point my illness had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  XXXX  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is   XXXX   XXXX   ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my  XXXX . I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
Consumer complaint received 2022-11-16
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their " findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and XXXX. 

XXXX XXXX ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )