davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (NC)

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

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-12-29
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. (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 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 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2022-12-27
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. (CA)

There where false debt information placed on my credit profile, I disputed these items on XXXX. The items where completely removed and replaced with some other debt that I have no knowledge of. Got a dispute result letter in XXXX of 2022 with the original debt I originally disputed in XXXX. I don't understand how can they do this, very criminal. I would like the negative items removed, again this debt does not belong to me.
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request.
Consumer complaint received 2020-01-13
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. (CA)

On XX/XX/XXXX Equifax Mortgage Service made an inquiry into my credit score when the loan which I had applied for had already been funded. I did not authorize this inquiry and as several inquiries had been made related to the same application for credit there is no reason that my credit score should be adversely impacted by these inquiries. 

On XX/XX/XXXX Equifax Mortgage Service made yet another unauthorized inquiry into my credit without my permission and about three months after my loan had already been funded. 

Each of these inquires adversely impacted my credit score and I would like to have the inquires removed from my credit report.
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/2022 a Visa Debit gift card was purchased for me by XXXX XXXX at XXXX XXXX store on XXXX  in XXXX, CA. I received the card and activation receipt showing that it had been approved to be activated. I called the number on the card to activate it and was told it had a {$40.00} balance. I tried use it over the course of the next few days multiple times but was told there was an error. I called the number on the card XXXX and was left on hold for over 15 minutes and was then told I needed to set up an online account with a password which I did. It still didn't work. 
I went to XXXX grocery store where the card was purchased and XXXX called the main office and was told there was nothing XXXX would do and that I had to contact XXXX. I again called the number and was told that a new card would be sent to me and the balance of {$40.00} would be transferred to the new card. I received the new card and when I went to activate it there was a XXXX balance. I again called the number and asked for the {$40.00} to be transferred and was told the card original card had been used at a place I've never heard of. I asked to speak with a supervisor and was put on hold multiple times waiting for a supervisor named XXXX for a total of XXXX minutes and then was disconnected. I now have two Visa Debit gift cards that are totally useless and my friend who bought the first one for me as a birthday gift is out {$40.00}.
Consumer complaint received 2022-12-27
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)

I am writing to dispute fraudulent charges on my account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (TN)

On XX/XX/2019 I mailed a dispute letter to CBCS in regards to an alleged debt that I owe to XXXX XXXX. It is alleged that I owe {$100.00}. This is a debt that I DO NOT owe. CBCS only sent a statement but nothing that proves that I owe this erroneous debt. No signatures anywhere. This company is XXXX.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX charge of {$200.00} on XX/XX/2023. The product was faulty and I could not file my tax extension. The admitted, I have pictures and a video it and still refused to give me a refund. I filed a dispute with bank of america. They refused to give me a provisional credit because of the " type '' of company XXXX XXXX is. They sent communication to XXXX XXXX . Bank of america claims they never heard from XXXX XXXX. A lie. I have proof XXXX XXXX did in fact tell them that my money would be refunded. Then Bank of america told them they had already issued a credit which they had not. So XXXX XXXX won't refund me. Bank of america says still I have to wait 45 days for XXXXXXXX XXXX  to respond when they already have. They claim still they have never heard from XXXXXXXX XXXX  and that they are lying to me.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent charges on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There is fraudulent, inaccurate, and unverified information on my credit report. I have tried to reach out to the bureaus, but to no avail. According Section605B of the Fair Credit Reporting Act, the fraudulent information must be removed.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP ()

well that was weird I had just finished written my complete statement check the box to okay for publishing.finished up my part of my expectations on my needs and whole thing vanished.This has happend several times. I'm Not Kidding the problem is this very exact thing happened 4 years ago with the same bank.I started XXXX weeks prior to the XXXX XXXX XXXX XXXX XXXX That's How much time I had on my card and Someone Cancled my Card when I requested my New Card, added to the 4 1/2 months it took them be for I received it last time it was the most inhuman experience I have been through And I'm getting the same exact treatment this time.Yes I have caled them spoke to them count less hours already.Sorry I refuse to ever be treated like that ever again.Thanking You.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent various letter to walmart disputing an account found on my credit report. I have sent out various letters per pursuant to Fair Debt Credit collections reporting practices act. I have asked them to validate the debt and provide documentation. i have received no valid paperwork. In addition, the dispute status on my credit report was not added and when it was added it was not added in a timely manner per Fair debt collections practices act.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX BOA paid the following billpay BUT did not deduct the funds from my account ( see attached ). This has never happened in the 10 years I've paid bills this way. I have not received any notice stating BOA changed their policy and if I didn't check my account daily, I would falsely think I had more available funds than I really do, thus possibly sending me into negative funds and BOA being able to charge NSF fees. I was on the phone for an hour with rep and she said she could not help me so transferred me to another lady who said she had ti fill out some form, then hung up on me. I called back and the lady refused to transfer me to business bill pay.
Consumer complaint received 2020-01-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

On XX/XX/XXXX I XXXX messaged a debt counselor who had multiple mutual friends of mine that were all military. On Ms. XXXX profile she had that she was a debt management counselor at XXXX XXXX, debt counselor at XXXX XXXX XXXX, debt counselor at XXXX XXXX XXXX. She also had multiple photos of accounts she helped. I believed I could trust her due to her being affiliated with the military and my friends. So I proceeded to ask her to help with consolidating my small debt. I will be including the messages that went through between us. Everything seemed alright she was helping me. She requested that through her she could get me a small loan of {$4000.00} but would need me to put {$1000.00} down as a deposit to be able to get. Seeing her previous work and knowing she was helping service members out I believed her and did on XX/XX/XXXX she said it would take 5-6 days to get the loan into my account then when the day came to give me the services she ignored my messages and then went to block me on XXXX, her phone and XXXX so that I couldnt contact her. As soon as I figured she was scamming me I reported it to my bank. I had to file 3 disputes as the transaction had to be split into 3. We agreed on sending it over XXXX XXXX and due to the high amount only two transactions one of {$250.00} and another of {$100.00} went through thinking she was helping me I then sent the rest {$650.00} through XXXX. She told me after I sent the money she would be working on finishing the loan. My bank USAA gave me a temporary credit for the XXXX XXXX   transactions and then filed with XXXX for the {$650.00}. XXXX got back to me today XX/XX/XXXX and told me that they werent responsible and that I should talk to the recipient who I cant even contact and is a scammer. My bank also backed up XXXX by saying that in the end it was XXXX final decision and theres nothing they can do. I want my money back but the bank nor XXXX will get her to give it back to me. I dont want any other services members being scammed by this woman and would like for her to be found and stopped.
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. (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 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.
Consumer complaint received 2020-01-13
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. (IL)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, somebody used my personal information and applied for it, They put incorrect name as XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (PA)

CREDIT COLLECTION SERVICES ( ie : PROGRESSIVE INSURANCE ), is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CREDIT COLLECTION SERVICES ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 and 6809 to substantiate my claims. Further, CREDIT COLLECTION SERVICES must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CREDIT COLLECTION SERVICES terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of CREDIT COLLECTION SERVICES nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX of XXXX, i purchased a XXXX XXXX from the XXXX, Fl dealership. I put {$10000.00} dollars down as my down payment. My sales contract had the following terms : 72 payments @ {$260.00} / mo. running from XX/XX/XXXX - XX/XX/XXXX with Santander Consumer Financing. {$12000.00} was financed for {$7100.00} interest over the 72 months for a total of {$19000.00} owed to Santander. We are in the 67th month of the 72 month loan and have already paid over {$10000.00} dollars in interest. That's {$3000.00} dollars more than the stated contract. They claim that there is still more interest to pay. We have paid {$13000.00} of the {$19000.00} loan. That leaves {$5200.00} owed on the loan. We have 5 payments of {$260.00} owed on the back end of the loan which would extend our payments to XXXX of XXXX. Santander Consumer claims we still owe {$10000.00} on the car. They have overcharged me on interest and not been applying my payments to the principal balance for years. This is fraud / theft. Every time i talk to a representative of the company, their statements contradict the prior representative i have talked to. I got dangerously ill in XXXX and XXXX and Santander worked with me on minimum payments to help me out. I do appreciate that. My payments were originally set up as being due on the XXXX of each month since i am XXXX and receive my monthly check on the XXXX of each month. They now claim my payments are due before i get paid and are charging me late fees for the last 3 years. They are threatening to repossess the car on the XXXX of this month ( XX/XX/XXXX ) if i do not pay the estimated {$10000.00} dollars by then. I want the overcharged interest ( currently over {$3000.00} dollars ) applied to the minimum payment months ( 18 ) and any outstanding payments owed on the back end of loan. 10 more payments owed this year and they are trying to steal my car from me after almost 6 years of steady payments.! 0 payments of {$260.00} = {$2600.00} owed on the loan, not {$10000.00}. Santander has been harassing us daily for about 2 years on the phone and has ruined my credit causing me to have to pay higher insurance rates. Santander has on my credit report that i did not pay the loan and i owe them just under {$10000.00} dollars. I want this removed immediately!! If they are trying to take my car back after almost paying off the loan, how many other people have they illegally scammed this way over the years. I suggest a thorough auditing review investigation by the government should be implemented immediately to put an end to these kind of " predatory '' business lending practices. You can not establish a plan and then not honor it with the consumer. By the way, Santander claims they did not receive my {$10000.00} dollar down payment. XXXX says they didn't get my {$10000.00} dollar down payment. Yet, it clearly shows the {$10000.00} dollars as the down payment on the loan / sales contract. Who is scamming who here?
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 charge two time {$34.00} dollars.for insufficient funds fee .. 
Another one on XX/XX/2019 charge three times $ XXXXdollars ...