davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-21
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: AMERICAN EXPRESS COMPANY (CA)

I called AMEX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE AMEX GO LISTEN TO THE PHONE CONVERSATIONS.
Amex ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written AMEX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I HAVE BEEN UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT AS OF XX/XX/XXXX MY FILE WAS DEEMED COMPLETE AND MY TRUSTEE SALE DATE OF XX/XX/XXXX WAS PLACED ON HOLD. I WAS TOLD BY XXXX THAT SINCE MY FILE WAS DEEMED COMPLETE AS OF XX/XX/XXXX I COULD EXPECT A DECISION NO LATER THAN XX/XX/XXXX. I HAVE BEEN CALLING TWO TO THREE TIMES A WEEK TO CHECK STATUS ON MY CASE. TODAY I AM TOLD I HAVE AN ACTIVE TRUSTEE SALE DATE OF XX/XX/XXXX. I ASKED WHY? CONSIDERING MY SALE DATE HAS BEEN ON HOLD BECAUSE MY CASE HAS BEEN UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT AS OF XX/XX/XXXX. I WAS TOLD THE HOLD WAS LIFTED AND THE SALE DATE IS ACTIVE FOR XX/XX/XXXX. I ASKED WHY? AND THE REPRESENTATIVE SAID THEY DO NOT KNOW. IF I AM UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT THERE IS NO REASON WHY THE SALE DATE IS NOW ACTIVE. UNLESS A DECISION HAS BEEN REACHED AND NO ONE IS TELLING ME WHAT THE DECISION IS.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

This involving PNC Bank. I called the Customer Service Line to dispute an unauthorized charge that came out of my account for {$320.00} on XX/XX/XXXX. I was informed that the matter would be settled in 10 days. As time went on I noticed the charges never got reversed so I called the PNC Customer Service Center to find out my Dispute was not submitted correctly and I had to drive to the nearest bank to submit an Affidavit. 

I did drive to the bank and faxed the Affidavit and still haven't got this matter resolved from this bank. Because of the mistake PNC made to my account I'm sitting here broke with NO MONEY! I didn't hardly have gas money to drive to the bank to submit an Affidavit.

A bank is allowing a customer to suffer because of a mistake THEY made! I had to hold off on my bills. I'm about to lose whatever little health insurance I had. More stuff is coming out of my account and more charges will be added. 

PNC has ruined me financially by not handling my dispute properly.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been trying to get my personal information on my credit report corrected since XX/XX/2022. The names, address are all incorrect. Can you please assist me. All help is appreciated
Consumer complaint received 2023-05-22
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. (OK)

Hello here is a list of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AK)

Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a XXXX.
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (CA)

I leased an XXXX XXXX from Audi of Downtown LA for 3 years returning it in XX/XX/XXXX. A few days before it was returned, an XXXX inspection stated that it need two new tires which needed to be the same make and model as the existing ones. If I did not replace the tires prior to returning the vehicle, then I would be charged for new tires. Therefore, I purchased the exact same tires from a tire shop which installed them just prior to returning the vehicle. When I returned the vehicle, it was noted on the return slip that new tires had been installed. 

Yet despite this, Audi sent me an invoice a few days later which tried to fraudulently charge me for new tires. They said that I needed to provide a receipt for the new tires that were already on the vehicle. This seemed like a fraudulent business practice to me since they already had possession of the vehicle with new tires and was just another hoop for me to jump through so I could clear my debt with them. In my opinion, this was the first form of harassment from Audi. Despite this, I sent them a copy of the receipt from the tire shop and asked them to remove the charge for the new tires. They were unresponsive and just kept sending me the same overdue invoice repeatedly. Audi of XXXX blamed the Audi Finance people, and vice versa but nobody resolved it. 

According to my calculations, Audi was asking for {$1600.00} which included the new tires which I already installed. Audi 's charge for those tires was {$480.00} X 2 = {$970.00} plus sales tax of {$100.00} = {$1000.00}. On XX/XX/XXXX, I paid {$620.00} for a damaged bumper to Audi and if you deduct that from {$1600.00}, it equals {$1000.00} which is the fraudulent charge for the tires that I replaced. 

After many emails and calls from my wife and I, the Audi invoices stopped coming. However, a few months later a collection agency contacted me demanding payment. We explained the whole history of the fraudulent charge and they stopped bothering us. We thought the issue was finally resolved but apparently Audi insists on harassing their former customers for many years after their relationship ends. Last week ( XX/XX/XXXX ), over two and a half years after I returned the vehicle, I received a call and threatening emails from another collection agency. I again explained the situation, but they said I had to clear it with Audi. I contacted Audi of XXXX, and they blamed Audi Finance, and vice versa again. Please help me resolve this matter and stop this fraudulent and predatory business practice from Audi.
Consumer complaint received 2023-05-15
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: Tebo Financial Services, Inc. (VA)

I have contacted the company multiple times over the last 30 days I have not remove this from my credits. This is a direct violation of my consumer, rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b, company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is harassment and I will pursue legal charges. I have a right to accurate credit report.
Consumer complaint received 2023-02-13
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (NV)

I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Equifax doesnt wish to allow me to exercise that right. I have mailed my dispute to them as of XX/XX/2023 and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from Equifax.
Consumer complaint received 2023-05-22
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. (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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2023-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (FL)

After multiple attempts to access my own money I transferred to the platform from my bank and filing complaints about this all I have received from the company is excuses about how their looking into it and will get back with me. Since then {$4200.00} of my money has disappeared from that account and with multiple attempts to leaving messages directly on the company site and email to find out where my money went there is no response as to where my money disappeared to.this is straight criminal theft!
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I received a call on XX/XX/XXXX from Citibank about potential fraud regarding XXXX. Since we only used XXXX XXXX  times in XXXX years we knew it was fraud and said so. After the call we called citibank back to see what else we needed to do. They said they saw the fraud was pending and we should go to the bank next day to close account and they would make note of the fraud. We went to the branch the next day where they closed the account and opened a new one. FYI we had this account since XXXX. Citi at first returned the funds and then sent a letter overturning their decision stating it was our normal activity. That is not true. We do not regularly use XXXX. This is just under {$5000.00} and something we were shocked to find citibank wouldnt help with. We did not approve the transactions and have no idea where the money went. When we called Citibank again we were told we needed to send a letter to ask for a review which we did on XX/XX/XXXX. When we called today about our refund we were told they never received the fax or the letter sent via usps so today I faxed it again. 

In addition, XXXX XXXX as well as the XXXX XXXXXXXX did not change direct deposit although requests were made and continued to deposit money into this closed account. 

So we are unable to write checks on that account. They will not allow us to transfer the funds. We need to go into a branch each time a deposit is made in order to have access to our funds and we are still without the nearly {$5000.00} in fraud. Can anyone help us with this?!
Consumer complaint received 2023-05-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

I met a girl online and we started chatting using XXXX. During conversation the topic of investment had come up. Since I have been interested in investments for some time I told her I was interested. She had me download the Coinbase and Coinbase Wallet apps. I directly wired the following amounts to Coinbase on the following dates from my bank account at XXXX XXXX XXXX : XXXX  - {$500.00}, XXXX  - {$2000.00}, XX/XX/ - {$2500.00}, XXXX - {$75000.00}, XX/XX/ - {$15000.00}. I also had a little bit of money on my XXXX app that I transferred over to Coinbase on the following date for this amount : XXXX XXXX {$490.00}. At the beginning on XX/XX/ when I had little money to invest, XXXX helped show me how and I made a little money. I insisted to make a withdraw of funds to prove it was legit and I transferred {$8.00} from Coinbase to XXXX after moving the money from the XXXX XXXX back to the Coinbase app. XXXX helped with all of this. Once all the other money was in there, I made a little more money, but according to XXXX, I was out of time unless I got to {$150000.00} in capital. She took it upon herself to lend me the funds to get to the {$150000.00}. She transferred straight to the XXXX XXXX account the amount of {$44000.00}. After this, I made transactions on the following dates : XXXX XXXX XXXX XXXX XXXX. My account balance on XXXX XXXX now stands at {$380000.00}. It shows that I have profited {$240000.00} in total revenue. On Wednesday, XX/XX/, I was instructed by XXXX to ask Customer Service on website what I would owe in taxes. Customer Service gave me the amount of {$49000.00} that I would need to deposit to the Coinbase XXXX as a Pre-tax payment in order to withdraw my money and that I only have 7 business to do so, now that I have asked for my fund, even though I really didnt. Customer Service has insisted that this process can not be reversed. I have talked with a contact at XXXXXXXX XXXX  here in XXXX, KS and he used his resources to do some fact checking and it is definitely a scam. Would love to hear from someone soon. Thanks. I also have the entire conversation dialogue with XXXX XXXX on XXXX she used snapshots when teaching me how to do all these transactions between Coinbase and Coinbase Wallet apps.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: AES/PHEAA (NC)

Late payments are still reporting on all XXXX credit bureaus. These should be reporting as late being my accounts were in deferment. I have contacted FedLoan multiple times, and also the credit bureaus, this needs to be updated as it is reporting very negative on my credit.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (NC)

XX/XX/2023 : GM credit card account ( Goldman Sachs ) was opened by someone using my ID information. 
{$7800.00}. was charged to the card. 
The issuing bank ( Goldman Sachs ) fraud detection algorithm recognized this account ( and others ) as fraud and immediately closed the account ( without contacting me ). 
Account was closed by issuer ( Goldman Sachs ).
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I complained that I was treated unfair after completing a hardship payment plan. Which ended in XX/XX/2023 I made my XXXX payment to keep from getting a collection call and I keep my account current. 
They said I owed XXXX still for XXXX when I was told I would be in good shape after the Hardship payments ended. I do not call paying the XXXX and XXXX for XXXX in good shape. 
I just wanted a XXXX late fee for XXXX refunded which they refused. 
It is no wonder Walmart is suing them to end their contract with them because of poor customer service.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.