davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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: Avid Acceptance, LLC (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, Avid Accepta add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I originally disputed this account XXXX XXXX XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The 3 consumer agencies, did not do there job thoroughly AND that is a violation XXXX, XXXX Equifax, violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Consumer complaint received 2021-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2021 I purchased a car from XXXX XXXX XXXX which was consumer credit transaction per 15 usc 1602. .I was forced to pay a down payment which is a violations of the truth and lending act 15 usc 1662 ( b ). After learning of the fraud as well as false and misleading statement made by the company I then sent out a notice of rescission to all partys involved in the consumer credit transaction. They company has willful neglect to at follow the laws that were state and my list of demands for a documentary materials proving this was not a consumer credit transaction as well the the XXXX accounting paper work I have requested. I have send several notices informing them if the violations as well as tendered payment to discharge the debt with full accord and satisfaction which the company has accepted. That company has been harassing me by calling and sending incorrect forms stating a owe a alleged debt which is another consumer law violation.
Consumer complaint received 2021-01-05
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I have Sallie Mae loans on my reports that were paid off by the US Dept. of Ed during a consolidation of my loans when I left school. The loans are all now more than 10 years old and paid off for that period of time. According to the FCRA which I never see enforced by the CFPB, the old information is to be deleted when it reaches the expiration date. For positive credit it's 10 years, for negative credit it's 7 years. These items were positive and paid off in good faith by the US Dept. of Ed. The items are ALL MORE THAN 10 YEARS EXPIRED AND SHOULD BE REMOVED FROM MY CREDIT REPORTS - ALL OF THEM!!! I've repeatedly disputed this info with XXXX, XXXX XXXX XXXX XXXX to no avail. They continue to contact the Student loan provider stating the info reported is " inaccurate '' not " STALE DATED & DUE FOR REMOVAL ''!!! If Sallie Mae or whoever they call themselves now do not remove these items from my reports effective immediately then I will sue them in civil court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Don't care how long it takes to get a court date I'll be ready! Remove all of the outdated accounts now or risk being sued. I'll go after all 3 credit bureaus too since Sallie Mae pays them to report inaccurate credit information. We can do this the easy way or the hard way, their choice!
Consumer complaint received 2021-09-18
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. (MD)

I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my report.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I never knew that sending money to my incarcerated mentee usig my Capital One credit card was considered a cash advancement. So using XXXX XXXX, XXXX or XXXX is considered a cash advancement that prohibited me from obtaining a credit increase. I fee this practice is discriminatory and targets XXXX, XXXX and XXXX people who are trying to send incarcerated people money. It is akin to redlining in the real estate industry.
Consumer complaint received 2024-01-30
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. (NC)

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.

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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXXXXXX XXXX XXXXXXXX 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Consumer complaint received 2021-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (MI)

I am not liable for this debt with Wakefield and Associates, I do not have a contract with this company. I still have not been provided with a contract with my signature stating this is my debt The balance amount is {$840.00}.
Consumer complaint received 2021-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-01-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (TN)

1. CD originally purchased by XXXX XXXX ( father ) and XXXX XXXX ( daughter ) on XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX Indiana ( now part of JP Morgan Chase ). 
2. On XXXX XX/XX/XXXX, attempt made to redeem CD at Chase Bank XXXX, XXXX XXXX, XXXX, TN ( XXXX XXXX, Asst. VP ). We were advised that it could not be redeemed as the bank had to check their records. A pdf file of the CD was provided as well as marriage record for XXXX to verify current last name. 
3. After several exchanges with Mr. XXXX, he called ( XX/XX/XXXX ) and said to check with Indiana State Treasurer to see if CD funds had been turned over by bank to state as ( lost ) or abandoned funds. 
4. Indiana State Attorney General 's Office reported back ( XX/XX/XXXX ) to us that these funds were never turned over to State and thus were retained by the bank. 
5. In a number of exchanges with the bank branch ( including XXXX XXXX, Vice President ), XX/XX/XXXX and later, we were told that the bank continues to check and determine resolution ( that never happened ). We advised bank of call to State Attorney Generals Office and again provided copies of CD and marriage certificate. 
6. Further sporadic calls ( XX/XX/XXXX, XXXX ) were received from Chase, from people who only gave their initials or first names, ( AD, XXXX, XXXX, ... ) ; including from " Dispute Resolution ''. All said that digital records could not be found due to age of CD and redemption unlikely. 
7. Shortly thereafter, a call was received from a specialist from the executive office who said our CD would not be honored. Our position was that : We have the original of the CD, and that should be evidence of its validity.
Consumer complaint received 2021-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

IM HAVING PROBLEMS WITH PAYPAL SERVICES I HAVE CLIENTS THAT PAY ME THROUGH PAYPAL AND THEY ARE HOLDING UP MY FUNDS I GAVE THEM EVERYTHING THEY ASK FOR KEPT GETTING THE RUNAROUND NO ONE SEEMS TO CALL BACK AND TELL ME THE PROBLEM OF THE SITUATION I AM RUNNING A XXXX XXXX XXXX THAT OFFERS REPAIR CREDIT AND BUSINESS CREDIT. THIS HAPPEN ON XX/XX/2021. 

MY BUSINESS IS CALLED XXXX YOUR CREDIT I NEED THIS PROBLEM FIX ASAP AND PAYPAL STILL HAS NOT SEEMS TO RESOLVE THE ISSUE THEY CAUSED
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

The lady comes 2 my job harassing me..now she has been coming 2 my house harassing my children, who are under 18, when they get off the school bus ... she has also been harassing them when i am not at home and will not leave..my children are very scared
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not XXXX or Experian. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security Administration. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a XXXX XXXX.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department of Motor Vehicles asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.
Consumer complaint received 2021-09-20
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. (PA)

1. XXXX XXXX - wrongly posted a late payment on my experian credit report on - XXXX XXXX. 2. XXXX XXXX has admitted their error in writing. 3. i have explained & uploaded the letter to Experian the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from XXXX XXXX  saying i did nothing wrong, XXXX  was at fault & it requests that Experian remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX  and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. experian theres nothing at all, they seem to only care about the corporations, and not the individual who needs help
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

PayPal has a very confusing dispute resolution process that invites user error and breakage into resolving transactions through their service. I used PayPal to purchase a subscription service. I only used my PayPal account as the point of sale administrator and used my credit card, linked to the PayPal account, for the funds. I ended up not needing the subscription and received a refund from the merchant. However, there were 2 transactions. One for {$170.00} and one for {$49.00}. The merchant refunded the {$170.00} transaction but did not remember to refund the {$49.00} transaction. I then opened a dispute with PayPal for them to resolve this situation. I then received emails stating that my dispute will close on a certain date as the merchant has not responded. This made me think that i would be refunded. I even called into the IVR, as I could not reach a call center rep, and it stated that if the merchant does not respond that the dispute will be closed. The date came around and I received a message stating that the dispute had been closed and could not be re-opened, yet there was no refund on my PayPal account. I called customer service at PayPal and, after 40min in queue, I reached a rep that stated that I ( the customer ) am supposed to call into PayPal and re-escalate the dispute to a claim when the merchant does not respond. I said I tried all of that prior to opening the dispute. They explained that it was the customer 's responsibility to open a dispute, work with the merchant, then call PayPal to escalate it to a claim. This is confusing and seems to try to get PayPal off the hook to handle these disputes. It also keeps the customer misinformed about the dispute/claim process so once they do try to get an update on progress, it may be too late. I've worked for many financial institutions where these types of practices would be examined by regulators. I would be embarrassed by this process. Wanted to pass along my experience.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

HARD INQUIRY for Bank of AmericaXXXX XXXX XXXX XXXX XXXX This is not me! I didn't apply, inquire OR request! I tried calling them. Totally automated!
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I fell behind on bills and my account was overdrawn for a few days, then with the overdraft fees I ended up paying XXXX dollars in fees, which was more than how much I was originally overdrawn for.
Consumer complaint received 2021-01-05
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. (SC)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX  XXXX, Inquiry Date : XX/XX/2020 ; 2 ) XXXX XXXX, Inquiry Date : XXXX XXXX, 2020 ; 3 ) XXXX  XXXX XXXX  XXXX, Inquiry Date : XXXX XXXX, 2020.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Adhere to the law and promptly block the fraudulent accounts listed below from my credit file as required by FCRA Section 605b. Failure to comply within 4 business days will leave me no choice but to pursue legal action, and I demand your immediate attention to this matter. I expect swift action to rectify this situation, and your compliance with the legal requirements is crucial to avoid legal consequences. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please remove.