davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/2023 I, XXXX XXXX, mailed XXXX XXXX a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with Equifax. On XX/XX/2023, I mailed Equifax a copy of notice that was mailed to XXXX XXXX along with a notice specifically for Equifax informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. XXXX XXXX blatantly disregarded my request and did not respond to my notice. However Equifax did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as XXXX XXXX must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. Equifax has a duty to also respect a consumer 's right to privacy. I did not send XXXX XXXX or Equifax a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I paid off the total balance on my Bank of America ( BofA ) XXXX XXXX  credit card more than three weeks before the balance due date. There was a XXXX balance on the account, so there should have been no minimum payment due. On XX/XX/2021, BoA transferred {$25.00} dollars from my checking account at another banking institution, even though there was a XXXX balance on my credit card account. The account currently has a - {$25.00} balance. 

I have autopay set up on this account, with the payment set to pay only the minimum payment due amount, and as there was a XXXX balance on the account, so there should have been no minimum payment required. I called BofA customer service to dispute the payment and explained the situation, and was hung up on. The payment was not reversed.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (TX)

Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CO)

I submitted a form to MegaStar in XXXX to have biweekly automatic drafts taken out of my account. In mid XXXX, I received a letter confirming the set-up, but my bank account number was typed wrong. They had changed a 2 to a 7. I called to get this fixed the same day. The people on the phone said I couldn't change it on the phone, that I needed to send in a new document. I immediately logged into the website and went to chat. I told the person in chat what was wrong. He had me upload the corrected form ( I typed it this time rather than handwritten ). He said he would send it to the payment people immediately and it would be fixed. The first time the draft was supposed to come out of my bank in XXXX, it didn't happen and I received a letter saying NSF had occurred, I chatted with the company again that day. I asked if they would remove the NSF, they said they couldn't, but had me upload another drafting form to fix the problem again. I was reassured the problem was fixed and the first draft would be on the XXXX. This has gone back and forth several time with me mailing copies of the chats and new draft forms to the company. I was hung up on at least once. Now, I received notice that the NSFs number 3 and I am no longer allowed to make any form of payment other than certified check or money order. I have never been late with my mortgage. It has always been paid ahead due to the need to be ahead prior to a draft.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-14
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dealing with the Post-divorce litigation, through the subpoenaed 53rd Bank records of my ex-husband, I have come to learn that the IRS refund check n the amt. of {$3400.00} on XXXX was deposited into his PERSONAL acct. without my knowledge, presence and endorsement. 
Deposit was made by my ex-husband 's wife. She's signed it " Deposit only '', and deposited it into HIS PERSONAL account. She perfectly knows who I am, and that the check must have been endorsed by me, and it would have to be a " Joint acct '' of me and my ex-husband ( it is NOT ). 
53rd Bank has failed to adhere the rules, and accepted the deposit. 
I have called the 53rd Bank branch, who accepted that deposit, and talked to the personal banker, who told me to call their Dispute and Legal Dpt. I've tried to contact 53rd Bank Dispute Dpt., but did not get any help from them - I have been transferred several times and talked to several people, at the end telling me to go to the branch and deal with the manager, who I've set up the appt. with on XXXX. 
Please, HELP!
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

RISE TransUnion XXXX XXXX Account # : XXXX I U?

Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U?

Account Status : Derogatory I U? 
Monthly Payment : I U? 
Date Opened : I U? 
Balance : I U? 
No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (FL)

I received an email about two weeks ago from Chime, telling me that my " new card '' was being sent to an address I haven't lived at in over 6 years. Because I have never had a Chime card, I sent them a request the same day to cancel the account. Since then, I have had repeated requests for more information - what email address was the notice sent to ; send us a screenshot of the email ; confirm your current address ; send us a picture of your photo ID and last four of your SSN. With the last request for a picture of my ID and my SSN, I have had enough. I am not going to send an either to a company I do not know anything about and with whom I do not have a relationship.
Consumer complaint received 2021-08-10
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: BARCLAYS BANK DELAWARE (PA)

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (CA)

Hello, I financed a vehicle from XXXX of XXXX XXXX on XX/XX/XXXX. The amount of the car was {$11000.00} plus tax and fees, the total came up to {$16000.00} and I paid XXXX of XXXX XXXX {$2000.00} cash as my downpayment. So the remaining amount is {$14000.00}, and XXXX of XXXX and I agreed on {$330.00} as my monthly payments for 48 months. My loan got approved by Chase Auto and I received a statement of my Chase Auto account on XX/XX/XXXX and its showing my loan amount as {$16000.00} and my monthly payments {$380.00} for 48 months. I called XXXX of XXXX XXXX the same day and texted my salesperson and explained them what happened, they asked me to come in at their dealership so they can take a look and try to resolve this. So I went there, they said everything is correct from their end, and I should call Chase Auto and see what happened. I called Chase Auto that same day but could not get ahold of anyone. I had been calling them since but unfortunately their office was closed. I finally was able to talk to a Chase Auto representative on XX/XX/XXXX and explained them what happened, they told me that it does not show the {$2000.00} downpayment in their record, but I told them that it does show the {$2000.00} downpayment on my contract, Chase Auto asked me to call XXXX of XXXX XXXX and have them send Chase Auto another copy of the contract. I called my salesperson from XXXX of XXXX XXXX again on XX/XX/XXXX and told him what Chase Auto said about the {$2000.00} downpayment. He said that XXXX of XXXX XXXX sent Chase Auto the same contract that I have. I have no idea what to do now. I have tried everything I could.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Strategic Alliances, Inc. (SC)

I sent a debt validation memo to FIRST FINANCIAL INVESTMENTS FUNDS HOLDINGS on XX/XX/2021 requesting validation of a debt collection in the amount of {$34.00}.

On XX/XX/2021, I received a response memo in reference stating the account could not be verified and was therefore closed via the collection agency.

As of todays date of XX/XX/2021, the accrual still open and reporting falsely and negatively on my credit file with a credit bureau ( s ).
Consumer complaint received 2021-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.
Consumer complaint received 2021-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Good Day, Thanks for reading this letter, I have 2 issues my first issue is with the Equifax Reporting Agency, I was late on my XXXX XXXX Credit Card for being in the XXXX  from XXXX, for 6 months during that time my credit dropped over 100 points, I contacted XXXX XXXX and they removed my late payments with documentation, I looked at the score increase and it only went up 2 pts, I would like to know how you can take a 100, but when corrected only give back 2 pts, also I have unauthorized inquiries in which I have disputed several times asking for proof that I was the one that made those inquiries and they tell me they cant remove, this is illegal if it is not mine ... .. I feel like this bureau is not fair according to the Fair Credit Reporting Act .... The inquiries are 1. XXXX, XXXX, XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, I did not make these inquiries nd I want proof that it was me that did I have contacted these creditors as well ... .. this company Equifax does not treat customers fair according to the law ... .. also there is a collection on my report that is not my debt I have ask for verified proof that I had a account with XXXX XXXX XXXX XXXX have disputed this item over and over this item should not be on my report, could you please look into this matter I am very sick and need my credit to get hospital care ...
Consumer complaint received 2021-08-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have banked with USAA for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with USAA collections department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was +500.00 positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an executive management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!
Consumer complaint received 2021-07-29
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: Spring Oaks Capital, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2022 Wells Fargo let a 4D contract creditor freeze my checking, savings and my daughter 's savings accounts WITHOUT an actual court order. They froze all of my accounts leaving me without my mortgage payment and my daughters savings money. When my account finally got released 3 months later it was empty except for my credit card balance that was way overdue. They gave this fraudulent company {$1100.00}. Nobody in the Wells Fargo legal dept. did not, have not and will not answer any of my phone calls or emails. I am still today waiting for a response from them. I get the run around from everyone that I talk to no matter who it is. I'm seeking payment for the money they stole from us as well as financial injury, health and mental stress for me and my daughter both for the 3 months it put me behind on all of my financial obligations and responsibilities including food, water, electric, gas, car insurance to get her to school.