davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I recently opened a Macy's/American Express card . Shortly thereafter, I received a bill with XXXX fraudulent charges - XXXX {$20.00} refills for XXXX. I immediately contacted XXXX XXXX and reported the fraudulent usage and closed the account. 
I have had the same experience with another XXXX account that I had held for more than 20 years. Over the last year, my account was compromised XXXX times. Each time I reported it, received new cards and the charges were reversed however, XXXX did nothing to secure my account as it kept happening so I closed it. 
Today I received a letter ( with an incorrect account number ) asking for the same information I had provided when I first reported the fraud and requesting I submit a copy of my driver 's license, social security card, work ID, etc. Needless to say I had no intention of supplying that information to them via mail or in any other format as they obviously have poor security standards. 
When I called to protest, I was initially told if I did n't submit the information my dispute could not be processed and the intimation was I would be responsible for the charges. I reiterated that I was not submitting my personal information and I was then transferred to a supervisor who said I did n't have to if I was " uncomfortable '' doing so but they would still need the form and reiterated that my dispute would not be processed without it. 
I have disputed any number of charges in the past with numerous banks and retailers, that were either in error, fraudulent or when I could not get satisfaction from a merchant. Never once have I been required to complete a paper form after completing the form online or speaking with a representative directly and I have absolutely no faith in XXXX XXXX to handle this correctly. Their customer service was at one time exemplary but within the last few years has become abysmal. I am attaching the credit card statement that includes the case dispute number XXXX XXXX provided when I first contacted them. The number is XXXX
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (NC)

On XXXX XXXX. I submitted a 2nd attempt for a payment extension. The 1st one I didnt get any email or confirmation of submission so I submitted again on the XXXX. I submitted a payment extension via online with my financing company Southeast Toyota. The email after submitting the request stated that I will hear a response in 3 business days. I hadn't heard anything ; which was unusual, because in the past when I had requested one. I would just pay a prorated amount and then my payment would be extended. No red tape, no documentation requested, no reasoning or purpose of the extension requested..nothing. I went today to verify since it has been past the 3 business day time frame. I noticed that they left a message in the secure message of their website. The following showed where I submitted the request at XXXX and it was canceled the same day at XXXX. No explanation! Just indicating if I wanted to request another to call their number and the working hours. So I called because I wanted to know why it was canceled. I spoke to a representative XXXX. She thoroughly explained to me that it was under " review ''. That when its under review that they have to take a look at it. She stated because I had two previous extensions. One in XXXX and another in earlier in XXXX. I have only two months available for the life of the loan. So I asked " What do you mean I have 6 months over the life of the loan ''? I don't recall reading that in my promissory note. Nor was it ever disclosed to me when I submitted the other two extensions with no hassle. I asked her where was this stated as I have never heard of this policy. I asked her could she send me the prom note where it states this. I was put on a brief hold for her to come back and say " it's not written anywhere, it's a courtesy ''. I explained how was I supposed to know of this courtesy if it was never explained or disclosed during the previous two extensions. You have no record of my previous hardships whether it was covid related, income or health hardships. Yet I am told when I need help this it is my very last opportunity to get an extension. That's very deceptive and misleading. Also a regulation issue as it was not disclosed in any manner written or verbal. I'm highly upset as I am currently experiencing a hardship and to be felt like I have been put into a corner because of information I was never given. For someone who pays well over the minimum payment amount every month. I have never been late and I am approaching year XXXX on my vehicle this XXXX. As someone who works for a financial institution and is very familiar with auto lending as well as audit regulations and unfair practices. I had to make a complaint because I am sure others who do not know there rights have been harmed in there unjust practices.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

To whom it may concern, I did not give my written permission to publish the following hard inquiries on my credit report. XXXX XXXX XX/XX/2023. According to the FCRA, this is against my rights. Please delete
Consumer complaint received 2023-06-12
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. (OH)

XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX and multiple other XXXX accounts 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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (TX)

New Era Asset management has been harassing me. They have been calling non-stop and harassing me and my " associates '' trying to find me. on XXXX I called them and asked why they were calling. They told me that it was because of some kind of money I owed to some other company. I requested them to send to my address the exact details of the money I supposedly owed and the original contract that I supposedly signed. Once I received that in the mail, I told them that I would then work with them if it was valid and resolve it. The debt that they mentioned is not listed on my credit report, and I am suspicious that this is money that I actually owe. I requested that they stop harassing me at work and that they stop calling my known " associates. '' Today on XX/XX/10 they called another known associate looking for me. I am again now requesting that they quit calling and harassing me. If they want to communicate with me they need to send the original documents of the " debt '' and who I owe. They are continually harassing me. They need to stop. I have already requested that they not communicate with me during XXXX and to send me what exactly I owe and the original documents in the mail.
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I used to have an account with Nissan Account # XXXX I see this account reporting as a paid chargeoff. I don't believe this to be accurate. This account was paid on time for the duration of the lease.
Consumer complaint received 2022-11-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Four Directions Lending LLC (MI)

I applied for a loan with West Side Lending in XXXX or XXXX of this year. The payments are not what they said they would be. I contacted someone online to see about setting up a payment arrangement and to get the balance. They always say it changes everyday. And still to this day don't know what I owe
Consumer complaint received 2022-11-10
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: Professional Debt Mediation, Inc. (GA)

Professional Debt Mediation opened 2 accounts on my credit report on XX/XX/XXXX for the amount of {$5500.00} and {$1900.00}. These accounts have been reopened for the same account on XX/XX/XXXX. I reached out to the company and have received no explanation. I have disputed these accounts because they were included in a bankruptcy years ago. This company was notified that they were included in a bankruptcy At this point I feel as though this Collection Agency is just targeting me. Something has to be done to stop this. I am asking that these 2 accounts be removed from my XXXX, XXXX and XXXX XXXX XXXX 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe that this agency has violated this law.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NY)

I lived in XXXX XXXX during the pandemic. XXXX XXXX on XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and restaurants were shut down. I could not work or pay rent. A shelter in place order was in affect and I used this to keep a roof over my head. I was in direct communication with my leasing office during. After my lease was up, I moved out, I lived in my new location for two years. I found a couple weeks ago that the unpaid rent was sent to collections 2 years prior. I never received any notice about it. The original amount {$11000.00} for rent and move out fees. They kept my deposit. The amount is now {$12000.00} after collections late fees. My issue is that I am now trying to buy a home, permanent and safe housing. This amount is on my credit report and keeping me from getting a mortgage. I do not think that debt incurred during a pandemic should be held against me for future endeavors. We were all in impossible situations and it should not keep us from moving forward. I understand that the amount still may be due, but I should not incur a credit hit. I have spoken with the collection company and they refuse to work with me in any way.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RELIANCE FIRST CAPITAL LLC (FL)

XX/XX/2022 I had called 3 companies to get information only on equity loans or refinance home..I made clear I am not doing either one at this time only getting information. For future ideals.

I was firm do not do hard pull to one company!!! One company asked for my social security number. The other 2 didn't ask for social and sent me info I needed to process.. tge company that got my social never sent me any info and did 2 hard pull inquiries from XXXX lowering my credit score and without my consent and with me telling them do not pull hard enquiry. 
His name info XXXX XXXX Mortgage Analyst Reliance First Capital , LLC I got his info from XXXX XXXXXXXX.I disputed thru XXXX, the didn't correct tge 2 hard pulls ... I reached out to XXXX XXXX they had no info on me... I pulled XXXX  he has numerous complaints ruining peoples credits and putting their homes in foreclosure that they refinanced thru him ... lost homes, hired attys and showed paid on time. 
This guy 's company had 8 phone numbers that just goes straight to him.. 

I never gave him or anyone permission to pull hard enquiry... .I was just trying to get knowledge on how process refinance or equity works made it clear to him I am not doing anything but getting knowledge.. 
Please help. Me get these 2 hard enquiry off my credit report with XXXX
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX/DEPT OF ED, Account number XXXX XXXX/DEPT OF ED, Account number 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 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made unauthorized transactions from my checking and savings USAA accounts. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (NC)

Westlake Financial has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-11-10
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. (PA)

According to Federal Law 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have submitted all above information to Equifax due to the occurrence of identity theft on my consumer report, They did not remove the inquires I attached in my letter within 4 days. 

I have attached all documents that I included in the correspondence to them. 

I am a consumer and I deserve to be treated as such, that being said Equifax is in violation of the above sated Federal Law.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (TX)

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 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 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AL)

Hello, I recently got " Permanently Limited '' from XXXX stating that my account will be closed permanently due to " potential risk ''. I had received the email stating this shortly after linking my XXXX  account with a popular platform called XXXX XXXX is a platform used to connect social links, promotional links etc for content creators to promote themselves and share their links with friends or family. XXXX encourages users to connect their XXXX account or any other payment method to make it convenient to receive direct support from fans, or XXXX XXXX XXXX. I thought to myself that it would be okay considering that ****** also allows you to connect your ****** email through supported 3rd party platforms like XXXX, etc to receive payments, send payments. I Could not understand as to why i randomly got permanently banned form my XXXX account as i simply connected my XXXX to my XXXX account. I received the email from XXXX shortly less than 5 minutes after. within an hour after a Friend of mine wanted to do some investigation as well in their hopes to assist me with trying to find out what could have caused my issue, they attempted the same thing as well by connecting their XXXX  with XXXX and the same exact thing that happened to me happened to them as well, now unfortunately we are both " permanently limited '' from XXXX my assumption is that it appears to be a potential error or mistake in XXXX XXXX  automated system and i beleive both XXXX and XXXX must be aware of this issue and inform their users and employees. I would grandly appreciate any support possible as i use my XXXX for work, business, receiving money to friends & family, and making bill payments.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-10
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: Self Financial Inc. (AR)

It's been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had thirty days to complete the investigation, and by failing to do so the item must be deleted from the report as soon as possible