davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
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. (VA)

Hello I pulled my Equifax credit report and come to find out I have over 50 hard inquiries and I don't have no way in my life where they come from here are the list of them ... XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ..XXXX XXXX XXXX XX/XX/XXXX .. XXXX XXXX XX/XX/XXXX..XXXX XXXX   XXXX XX/XX/XXXX..XXXX XXXX/XXXX XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX all are from this one company it don't make since..XXXX   XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX   XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX sorry for long history I just want to get this remove off my credit report asap because it's not right
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (AZ)

I had provided a written petition per TD Retail Card Services ( XXXX XXXX ) request to remove a charge from my account over 12 months ago. A phone was delivered to my house and I refused the package. I have all the tracking information to show it was refused. The company said they received my petition and would respond within 3 months. I have called multiple times and they keep telling me to wait for a response but they have violated federal law by responding within a specific time frame. I am still being charged every month for the product and it's causing me great inconvenience and they are doing nothing to fix it.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

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 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 XXXXXXXX has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C.

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.

15 USC 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 USC 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 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX someone that either works at a XXXX store in XXXX XXXX or walked in got a Sim card and cloned my cell phone. Over the course of the next two days they proceeded to completely drain my account. I called the fraud on XXXXXXXX XXXX but it was too late. When I called in and made the claim, the woman said that I would receive a new business debit card in 5 to 7 business days and asked if I would like to connect my bank to XXXXle XXXX  so I can access the funds. I said OK. Unbeknownst to me and having never used XXXX XXXX before the criminals had connected my account to XXXX PXXXX  that day and that is why she asked me if I wanted to connect it. As soon as I agreed to that connection the new card was compromised and the fraud continued. The bank has denied the claim on the grounds that biometrics were used on the phone clearly this level of protection doesnt matter if the criminals have cloned the phone. I have spent over a month trying to get this sorted out it has taken me weeks to figure out what the criminals have done and on top of getting robbed I have been treated like a criminal by my own bank. I have gathered overwhelming evidence and they are just ignoring and denying. There are many more details I dont have room to provide herePlease help wells Fargo is going to hurt more innocent victims, their own customers by not being educated on this new fraud method.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2022, we were using the ATM machine to deposit on the chase bank on XXXX XXXX XXXX XXXX. We brought XXXX to deposit that day. and the machine ate our money and stuck when i put first XXXX in. The machine said call this 800 number. 
Then we switched another machine and deposited the left XXXX + XXXX in. Those are successfully deposited. 

we called the 800 and said our {$9700.00} was ate and the number said okay that you can leave now. The amount will be credit to your account. 

We saw {$9700.00} on XX/XX/XXXX. However, after one month, i was checking the debit account, i see a reversal of XXXX $ posted on XX/XX/XXXX. 

I called Chase, they said they counted in the ATM and only found XXXX XXXX I spoke several times on we made sure we brought whole XXXX that day, and we deposited XXXX successfully, and the rest of {$9700.00} was ate by the machine. If you investigated than you shall let us know as soon as you counted that day, not after one month we are not giving a random number, we said clearly XXXX $ and we called immediately on that day. we follow the procedures, but Chase refused to talked to us anymore. They don't give us any evidence on how they counted and when they counted.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX  CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXX Credit card account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX Inquiry was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX XX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

Equifax Mortgage : XX/XX/XXXX XXXX another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX  : XX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in 2 days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in 2 days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages. 

I demand that you respond to my dispute within 30 days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Report Act XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-02
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. (MS)

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, and Transunion many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

Contacted Experian on XX/XX/XXXX and they refused to delete my prior address appearing on my Experian Credit report here in Minnesota. They said they could not delete this former address involved with a recent identity theft and credit fraud attempt because some creditors are still using the information. I told them it should not appear because I want no physical mail going to that address that could be intercepted by fraudsters ever again. I also quoted the FCRA law demanding the former address to be removed but XXXX XXXX in the fraud department at Experian was not impressed with my interpretation of the law or had any desire to comply with the law. I informed him I would file a complaint with the CFPB.gov website.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KS)

I requested a validation of debt. They failed to give me the information, so they just close the account, but didnt remove it off. They said that they couldnt remove the collection off my credit, but they closed it. The original creditor is XXXX XXXX XXXX. The debt price was XXXX
Consumer complaint received 2022-03-23
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. (TX)

in accordance with the Fair Credit Reporting act : XXXX account XXXX XXXX {$560.00}, XXXX XXXX XXXX account XXXX XXXX {$1700.00}, XXXX. XXXX XXXX Account # XXXX {$60.00}, XXXX XXXX XXXX XXXX account # XXXX {$130.00}, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-19
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. (IL)

FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (GA)

I have new and updated information. Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, BMW FINANCIAL SERVICES can not extend credit nor be a creditor. BMW FINACIAL SERVICES stated I was denied the extension of my own credit due to delinquent past or present credit obligations. Pursuant to the FCRA and XXXX, a consumer should not be denied credit. A consumer can only be denied employment and insurance, neither of which I applied for. I extended my credit to XXXX BMW, they denied me the right to extend credit. According to the XXXX, a consumer shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MECHANICS BANK (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX  ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..
Consumer complaint received 2024-03-13
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. (IL)

" I discovered that my stepfather had created an email account in my name and used his credit card to open a line of credit without my knowledge or consent. As a result, I recently received a notification about a late payment on an account I had no prior knowledge of which has dropped my score by XXXX points.
Consumer complaint received 2022-04-19
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. (IL)

FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXXXXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BSI Financial Holdings, Inc. (CA)

I have XXXX accounts which initially were with XXXX XXXX, but they unfortunately sold these to Servis One , Inc dba BSI Financial Services NMLS # XXXX : XXXX. Acct # XXXX is a XXXX XXXX loan that has been paid in full with proceeds from my XX/XX/XXXX refinance. BSI refuses to send my {$230.00} escrow balance refund as they want to withhold it for another 30 days before refunding it to me! Ive never had any lender do this when I owed my escrow balance after a payoff! 

XXXX. Acct # XXXX is an UNSECURED loan which they received a {$6700.00} payment via US Mail on XX/XX/XXXX, but refuse to apply it to my account. The balance was {$6600.00} as reflected on BSI XX/XX/XXXX statement, attached. BSI is clearly overpaid. They called today, XX/XX/XXXX, informing me my account is past due! After spending several hours on two calls today, I learned that they did not apply the {$6700.00} to my account because I didn't request a payoff amount!!! Ive never heard of this practice! Further, they want me to pay an additional {$170.00} for " release fees ''!! This is outrageous! They said they would return the check -- further delaying this payoff! The {$6700.00} check is currently sitting in their bank account collecting interest for themselves, Im sure. Very unethical not to apply the payment to my account since receipt of it on XX/XX/XXXX! This is an UNSECURED loan! There should be no recording and no XXXX involved, so absolutely no fees should be charged to pay off this loan! In fact, my lender never saw this unsecured loan on my credit report nor my title report -- they had no idea it existed! It was I who kept telling my new lender that I have TWO BSI accounts. When my new loan funded on XXXX XXXX, XXXX, my new lender immediately wired the payoff payment for Acct XXXX ( Title I loan ) which included NUMEROUS fees BSI charged to release that lienand as for this second UNSECURED loan, the {$6700.00} check was mailed since it is NOT a secured loan. 

BSI needs to be investigated for withholding payments, charging late fees, and all sorts of ridiculous unnecessary fees. I feel this institution is unfair, dishonest and unethical. I can't trust them. I have over a dozen creditors and many are paid via XXXX XXXX XXXX XXXX ( mailed checks ) and NONE of my creditors claim to receive my payment for almost a month since XX/XX/XXXX! Ive had to pay BSI late fees for several months on both of my accounts. Multiply that by the hundreds of thousands of customers BSI is doing this to and blaming the US Postal Service. Interesting how with the large {$6700.00} payment, they were able to receive it in just over a weekand not a monthas they have been claiming with my previous payments. BSI is now messing up my credit report and delaying my finances.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXXXXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you