davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. 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. 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 2017-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TN)

I opened a checking account with First Tennessee Bank on XXXX17 with a deposit of {$300.00} and had my first direct deposit on XXXX/17. It has been over the six week mark since I met the requirements to receive the stated {$250.00} bonus. Would you please see to this matter? <P/>I have contacted First Tennessee Bank via email about this situation, but did not recieve a response.
Consumer complaint received 2023-06-13
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. (TN)

Update on complaint # XXXX. 
Equifax finished it's investigation XXXXdays after filing the complaint. They did not fix anything and again lowered my score XXXX more points for disputing XXXXXXXX XXXX XXXX My score went down a total XXXX points for disputing the illegal actions on XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX through a mortgage program because of covid agree to pay $ XXXX toward my mortgage, but I have to pay the difference which is XXXX first, because the state wants to make sure when they make a payment the account is XXXX out and not behind. Citizen bank wont let me make a partial payment so that XXXX can make their payment after. I have called the bank over XXXX and I have been getting a runaround. 

So I need to make 2 partial payments to pay my past due balance, my house is in foreclosure and the bank won't process my payments. The XXXX grant from the state is time sensitive.
Consumer complaint received 2023-05-21
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: HYUNDAI CAPITAL AMERICA (NY)

I applied for a car lease with Kia Financial Services. At no point did I consent for, agree to or ask that Hyundai Financial Services pull my credit report. 

I was never told that applying for a car lease with Kia Financial Services would result in an inquiry from Hyundai Financial Services. This practice is misleading and damages ones credit standing. 

I am requesting a permissible purpose audit for Hyundai Financial services to provide me with a signed application giving them consent to access my consumer credit report. If you can't provide a signed application granting Hyundai Financial Services permission to access my credit file, please provide me with a letter of deletion so that I can have this unauthorized inquiry removed from my XXXX credit file immediately.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-12-10
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, [ XXXX k ]
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiries had been made. I'm representing myself by myself and I do not involve any third party for this matter. I request that you investigate the XXXX/XXXX XXXX Bank XXXX XXXX XX/XX/2022 XXXX Miscellaneous Banks XX/XX/2022 inquires on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NC)

I called this lady to notarize some loan documents. She invoiced me through paypal and never showed up to notarize the papers. I called paypal to notify them, and they told me it's not their problem. They keep sending me past due notices for the invoice. It is harassment by paypal.
Consumer complaint received 2023-09-09
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. (GA)

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifax is reporting different amount of accounts than XXXX and XXXX. 

They have failed to help with reporting XXXX XXXXXXXX XXXX as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXXXXXX XXXX has not reported for the month of XXXX & account should have XXXX $ balance!
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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. 

Companies Involved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX - Dispute opened, not fully resolved 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2. 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 XXXX years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) Section. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: DriveTime (AZ)

My daughter 's father passed away on XX/XX/2022 unexpectedly. She is his only heir and he had no estate, so there is no probate required. She is young and very, very upset. Since that time, she has tried to work with DriveTime/XXXX  to handle dealing with the car that is financed through them. They have been unprofessional and put her through all kinds of hoops to even get someone to speak with her. Today, she was told that in order to return the car, the car has to be put on the street instead of being kept in a gated, safe condo complex, and the repo people are third party and they will not communicate when they are coming. This car is now uninsured and if it's stolen off the street, they will undoubtedly come after her to pay the balance. This is a scam and a fraudulent practice. If they really wanted to protect their assets, they wouldn't respond in this irresponsible manner. Putting the car on the street is just asking for it to be stolen. The time is running out for my daughter to return the car and then they indicated that they will come after her, even though she has done everything right. They are dishonest and will do anything to make money, even when people are at the lowest point of their lives. They need to work with people to avoid putting them in an even worse position. I'm sure they would love for the car to be stolen so they have the chance to come after my daughter instead of taking responsibility for their assets in the manner they are obligated.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers XXXX XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! SMH Ive had calls from someone in TX saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX XXXX etc. I demand justification, remediation immediately!
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! SMH Ive had calls from someone in TX saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX XXXX, etc. I demand justification, remediation immediately!
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (WA)

I have a consumer credit card with Wells Fargo. In the XX/XX/2020 credit card statement Wells Fargo sent me, it include one page with two of checks on it saying 0 % Promotional APR for 15 months with a fee of 4 %. ( see attachment Wells Fargo Promo ) I used one of the checks ( # XXXX see attachment hu check ) and deposited {$11000.00} to my checking account at XXXX. 

On my XX/XX/2020 Wells Fargo credit card statement, I found out they did not honor that 0 % promotion balance transfer offer ( see attachment for XX/XX/2020 statement ). I was charged {$100.00} interest. They are charging me 15.49 % interest on the {$11000.00}. 

I called Wells Fargo three times, the first 2 times representatives told me I used a cash advance check. But even in the credit card statement they sent me the balance is in balance transfer category. And on the check that I used, it says Balance Transfer Promotion not valid after XX/XX/2020. They told me to wait because they need to ask their supervisor. The last time I called Wells Fargo, the representative hanged up the phone.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time
Consumer complaint received 2022-12-09
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. (GA)

Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on XXXX and Equifax. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.