davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I heard a radio advertisement for XXXX and how easy it was to get a {$5000.00} loan with challenged credit. At approximately XXXX on XX/XX/21, I entered in my personal information including social security number, bank information. I immediately got a phone call after applying on their website. After speaking with a rep from XXXX I was transferred to a Lexington Law rep with the email address of : XXXX. In speaking to him ( forgot name ) about the {$5000.00} loan, he stated he needed to " run my credit '' to get an answer. I approved this thinking that I would soon get a decision. He soon started talking about the negative items on my report and how his company Lexington Law could get them fixed ( no promise made ) so that I could possibly get approved for the {$5000.00} loan from a company called XXXX. I listened and thought it was legit, I gave him my credit card number and everything and he deducted {$4.00} for the credit pull. He then said it would cost me {$100.00} up front off my card to start the initial credit repair process. It would cost me {$120.00} after that, every month, until I wanted to cancel. 
I feel I have been scammed and I am cancelling my contract with them after I submit this complaint. 
I hope this helps the lawsuit and I am happy to speak with someone about it. I will have evidence of the account I signed up for.
Consumer complaint received 2019-12-27
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: LEXISNEXIS (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2022-02-05
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: FIRST HORIZON BANK (LA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on IBERIA BANK DIRECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

After receiving a copy of my credit report following a dispute, I noticed a few unauthorized inquiries on my consumer report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Inquiries : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I FILED A REPORT WITH CONUSMER FINANCE GOV AGAINST BOA. 

BOA OF PATHETIC ATTEMPT AT ANY SORT OF COMPLIANCE WITH THIS ORGANIZATION IS LAUGHABLE. I RECEIVED 1 CALL AND A CALLBACK NUMBER. ICALL THE CALLBACK NUMBER. IT DOES NOT HAVE ANY PROMPTS TO CONTACT BOA EMPLOYEES IT ASK FOR A XXXX DIGIT EXT. THE EXT LEFT ON THE XXXX DOES NOT WORK AND I HAVE NO WAY OF CONTACTING THEM. 

THE ENTIRE THING IS A JOKE. A FAKE SYSTEM SET UP TO MAKE THE APPEARANCE THAT BOA IS ACTUALLY ATTEMPTING TO COMPLY WITH FEDERAL REGULATIONS I HAVE THE VOICMAIL SAVED
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (LA)

This account was opened in my name this is a fraudulent account I have tried to resolve the issue with the credit card company Destiny Account # XXXX no progress has been made.
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

United Collection Bureau has attempted to collect an alleged medical from me on behalf of XXXX XXXX XXXX. Upon the process of validating this alleged debt, there has been a HIPAA violation that has occurred as a result. I never provided any written authorization to release my medical information to any third party debt collector and this debt collector has not been able to provide a copy of my signature authorizing any release of this information. I am requesting immediate removal of this debt from the XXXX credit bureau. I will be contacting the XXXX with intentions of exercising all legal avenues to have this issue remedied. 

Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Third Party : United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Amount : XXXX Date of service : XX/XX/2020
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (MD)

On XX/XX/XXXX I sent a letter to Medical data Systems to validate all debt by certified mail. I received my receipt back from the post office and XXXX  XXXX signed for the letter and I have not received a response. I then made a phone call in the beginning of XX/XX/XXXX and I spoke with XXXX XXXX concerning this letter. I reminded them that they are past the 30 days and this debt has not been validated. I then submit a second letter for the letter I received turn they never validated the debt and they listed all Medical Data Systems on my report. I then submitted a second letter telling them that they have violated federal and state laws and how they failed to provide me with a copy of viable evidence bearing my signatures showing the account is being reported accurately. This letter was sent on XX/XX/XXXX Certified mail receipt number XXXX. However, they are in violation and I have made several attempts and nothing.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 and XX/XX/2022, someone accessed my card to send themselves {$1500.00} and {$2400.00}. When i opened the dispute, the agent who helped me messed up and opened the dispute as non-fraud and put that i was scammed. that was not the case. i was even shipped a new debit card with same debit card number as the compromised card, but different expiration date. i called again and was given a brand new card number. another agent opened the case as fraud for me, but again was denied and i was given the reason to " handle the transaction with XXXX  ''. There was no transaction involved that i authorized. nothing here was authorized. I have appealed the case multiple times already thru email and fax, and have called multiple times spending hours on the phone waiting. i would just like my money back
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried reaching out to this bureau multiple times about these accounts that does not belong to me. this information is fraud and i want it investigated as soon as it can be and it needs to removed off of my credit report!
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX Ive uploaded documents I need this corrected immediately and this is a violation Ive lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In early XXXX I called Capital One to discuss an upgrade from Venture to Venture X. I also asked about getting a new Venture X account and was told I was not eligible- that turned out not to be true. The disclosures read to me did not indicate I could not go back to Venture. That same day, I found out I could apply for a new account, and did so and was approved for Venture X. I immediately called capital one and asked how to go back to my old card. I was told I would have to wait for the new card to come and I would get instructions there. No such instructions came with the new card. I did not and have never activated the new card. Around XX/XX/XXXX I received a letter from capital one asking me to call if I didnt want to incur the {$390.00} annual fee. I called XX/XX/XXXX and was told I can not go back to my old card the only option was a card I do not want or a card I already have. This information given in XXXX was not only inaccurate but misleading. I am under the impression Capital one changed its terms since I applied for the Venture X or hadnt developed the terms yet but I should not be subject to their mistake! This is a classic bait and switch
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CARS Acquisition, LLC (GA)

On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account CAR FINANCIAL SERVICES via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX XXXX XXXX XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing CAR Financial Services , Inc. the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that CAR Financial Services , Inc. stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hillcrest Davidson & Associates (TX)

I was a victim of identity theft and noticed a collection from HILLCREST DAVIDSON I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HILLCREST DAVIDSON in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-02-07
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-02-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (IL)

Santander used a third party back in XXXX to repossess my car then overcharged me to get it back when it shouldve never been stolen in the first place I dont owe them anything.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I purchase a ticket thru Chase Rewards for XXXX XXXX. 
On XX/XX/XXXX XXXX and Chase informed me that the flight was cancelled due to covid. After numerous emails and calls with Chase I was told some kind of air credit will be issued to me. I didn't received anything or hear anything back from them since XX/XX/XXXX. 
Recently I tried contacting Chase Rewards again and I was informed that the travel credit was extended till XX/XX/XXXX and it already expired. I wasn't informed about that prior and even if they would've most of XXXX travel outside US was restricted. 
I lost {$1000.00} ( {$84.00} cash and XXXX points ) As of today XX/XX/XXXX I didn't received a refund.
Consumer complaint received 2023-12-02
Product: Credit reporting 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)

On the Dates listed below the following companies obtained a copy of my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (LA)

This account with Midland Credit Management-XXXX XXXX XXXX a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.
Consumer complaint received 2021-12-17
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (NY)

I submitted a check in the amount of {$100.00} and {$2700.00} to Chime Bank for mobile deposit. Chime accepted and deposited the check for {$100.00} and rejected the check for {$2700.00} and told me the system flagged the check as being deposited at another institution. I called to get the issue resolved and get the check cashed and the manager told me that the system flagged the check as altered. He explained to me that my mobile check deposit feature is now XXXX forever. He also told me that there is no way to fix the issue, and once this happens it is irreversible. I seems to me that I being profiled by Chime bank because of the amount of the check. I know the check was not cashed at another bank. But I do not know why Chime did not simply re-verify with the XXXX XXXX bank that the check was issued from. The check is ultimately from the Georgia Department of Revenue and is my back tax check. I do all my banking with Chime and they are making an effort to treat me unfairly because of my financial status. I know I do not normally have checks that large deposited into my account but that is not a reason to reject my state tax return and deny me from ever being able to use mobile checking again. This has caused me a lot of inconvenience because I pay all my bills through them. Now I have to set up another account, start all over, and run the risk of missing bill payments during the transition. It is unfair that online banks are able to do whatever they want simply because they do not have local offices ; their computer systems make decisions based on algorithms that are inherently biased towards the rich. Someone making a phone call to the check issuing institution would have quickly resolved this situation ; instead someone is making a final financial decision for me based on a computer mistake. I would appreciate if this type of situation comes to light and helps any of the other financially little guys like me. Thanks.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-14
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. (TN)

According with the Fair credit reporting act XXXX  accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy.

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's a consumer reporting agency can not furnish a account without my written instructions