davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting 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)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-11
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. (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, 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 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC. (FL)

While purchasing a pre - owned vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, I was told I was being financed by my local credit union as I had requested. When it was time to sign the paperwork for the loan application and tag transfer all of the documents were stacked one on top of the other and highlighted. I was told that I was signing a loan APPLICATION for my credit union however, in reality and unknowingly to me, I was signing a contract for a different financing company with a MUCH higher interest rate. However I didnt know this until days later after reviewing a USB drive. tick that had edited versions of SOME of the documents I had signed on it. I have since had a multitude of issues arise with the vehicle that is supposed to be under warranty from both manufacture and the dealership currently. Neither the dealer nor the manufacturer are making a reasonable effort to honor their warranties. Furthermore, I was not only sold a lemon, and misled during signing but I was also lied to about the condition and history of the car!!!
Consumer complaint received 2023-03-02
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. (OH)

The following companies did not have permission to request my credit report from XXXX, XXXX, and Equifax XXXX XXXX  - Miscellaneous Finance, Date : XX/XX/XXXX XXXXXXXX XXXX  - XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit Cards XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from XXXX, XXXX in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to XXXX XXXX XXXX on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within 2-5 business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. XXXX, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my Equifax credit report. I never lived in Alabama and expressed this each time I called XXXX, XXXX.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
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. (MI)

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

Account Name : XXXX XXXX XXXX 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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I am seeking help with resolving fraudulent charges by XXXX XXXX from my Bethpage credit union checking account. On XX/XX/23 XXXX ( XXXX ) separate transactions of {$180.00} were debited frommy account by XXXX XXXX. I contacted the Bethpage Dispute Department to report the fraudulent charges. They advised they would refund the monies and investigate the charges. In addition to the fraudulent charges, I was penalized with XXXX ( XXXX ) courtesy pay fees of {$10.00} each and an overdraft fee of {$29.00}. On XX/XX/23 Bethpage credited my account XXXX ( XXXX ) charges in the amounts of XXXX each. On XX/XX/23 Bethpage debited my checking account XXXX ( XXXX ) charges of {$180.00} and an overdraft fee of {$85.00} from my savings account.I contacted Bethpage today XX/XX/23 about the debits on my accounts and was told that they completed their investigations and the charges by XXXX XXXX were verified and substantiated therefore the monies have been debited from my accounts and I take the loss. Beth page informed me that the XXXX XXXX activities were to XXXX. I know no one in XXXX and authorized no XXXX XXXX transactions.Appalling to me is that Bethpage  has no explanation on why there were no safeguards in place to protect my monies. After XXXX transactions of the same amount within the same timeframe, there ought to have been some red flags to shut down my accounts or verify the transaction with me. Instead, Bethpage allowed XXXX transactions for {$180.00} to be deducted from my account and unapologetically state this is unfortunate for me. I placed my monies in Bethpage thinking they had safeguards and insurance to protect my small assets.Incidentally on XX/XX/23, the same activities by XXXX XXXX were done to my XXXX XXXX account. XXXX transaction of {$180.00} went through and a hold was placed on my account when another attempt to withdraw the same amount was done. Unlike Bethpage, XXXX XXXX  had safeguards to protect my account from fraudulent activities and refunded my account for the fraudulent debit. Please, please assist me with regaining my funds and putting an end to Bethpage 's nonchalant operations. 
Bethpage operations sent me documentation from XXXX XXXX that satisfied their investigation. The documents listed my address incorrect, the funds were sent to XXXX and I know no one in XXXX, A XXXX XXXX was used and I don't own one, the IP address was from Texas and I am in New York. I look forward to your response and assistance. The dispute # with Bethpage is XXXX and I spoke with XXXX in their operations department. ( XXXX ) XXXX. 
Sincerely,
Consumer complaint received 2023-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (DE)

Net Credit continues to communicate with me. On XX/XX/22 I certified mailed them a cease and desist which they received. The cease and desist stated to cease communication through ALL mediums. Net credit continues to communicate with me through email and my consumer report. Further more Net Credit failed to provide clear and conspicuous information about this credit transaction that is pertinent in my decision making regarding this transaction. Due to their failure to provide CLEAR AND CONSPICUOUS adequate notice I was unable to make an informed decision on this credit transaction thus making the agreement with this company NULL AND VOID. Net credit is to cease all communication regarding this alleged debt through ALL mediums including but not limited to mail, email, phone, and ALL consumer reporting agencies immediately.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MO)

IRS form 1099C requires box 2 and box 3 be filled as applicable. If any interest is included in the amount of cancelled debt in box 2, it must be shown in box 3. I request 1099 C be completed and filed with IRS to reflect these amounts for box 2 and box 3. 

I have received a notification from the IRS that does not show the forms filed with IRS reflect these amounts. IRS responded that Chase submitted records electronically and can not provide me with a copy of the forms Chase filed because it was submitted electronically to the IRS. IRS wrote to contact Chase directly with the request for the form to be sent to me. Chase declines.
Consumer complaint received 2023-01-20
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. (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 : # 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 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (AL)

The item that Midland Credit is illegally attempting to collect has been XXXX through my XXXX XXXX XXXX. Ive disputed through the credit bureaus and they told the credit bureaus it was accurate this is illegall and I will contact my XXXX attorney and they will gladly reopen this case and have midland credit pay their fees plus I will claim for emotional distress as Ive stated to them before this is stressing me out
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

I received this card without my agreement. My store credit card was moved to a comenity credit card without notification or consent. I didn't want to cancel the card as I didn't want to hurt my credit. Needless to say I have never used this card and it has never left my house I was recently sent a notice that my payment was due. When I looked into it, I discovered a long list of fraudulent transactions on my card. This seems impossible because ( as I said earlier ) I have never used this card. So it seems the company couldn't keep my information secure. Something that I think should also be looked into. 

I called on Wednesday, XX/XX/XXXX and tried to dispute the charges but was put on hold for over 40 minutes before I gave up. I then tried messaging them under my account on their website. This was also on XX/XX/XXXX. I asked that they remove the charges and cancel my card immediately. I also informed them if I didn't receive a response by the end of the week that I would file complaints. They have yet to answer me.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is withholding interest income for tax purposes on my checking account ( they had also been doing the same for my savings account ). The interest income on the account is so small it is below the IRS reporting thresholds -- literally we are talking {$0.00} per month on my checking account. TD Bank previously advised that the withholding was as a result of there being an inconsistency in their system with my name and SSN. I first attempted to address this with the bank in XXXX of XXXX and was told it would be corrected. It was not. I have been a banking customer with TD for over 10 years. My social security number is the exact same number as it was when i originally opened my accounts at the Bank. In XXXX of XXXX, I went to my local branch, at TD Bank 's direction, and revised the name on my account -- reverting to my maiden name ( rather than maiden, plus married name ) and delivered to the bank a W-9 form. This is in addition to the two W-9 forms I had previously mailed to them. Notwithstanding this, TD Bank has not refunded the income interest previously withheld and as of XX/XX/XXXX they continue to withhold interest income. Now they are telling me that I need to provide a W-8 BEN form which is the IRS form for non-resident aliens. I was born in New Jersey. I brought my birth certificate and SSN card to the branch in XXXX XXXX, NY and provided them to the branch manager for evidence of my name and citizenship. Unless being born in NJ no longer makes me a US Citizen I do not understand why a W-8 BEN would be appropriate. TD Bank needs to cease withholding interest income and refund me the interest income withheld to date.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (VA)

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 finish 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 In addition, I sent certified letter to credit agency requesting verification and I did not receive a response and would like this removed XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I checked my Bank of America mobile app and saw that fraud was committed on my checking account. The first fraudulent charge was for {$19.00} to XXXX XXXX for a monthly subscription. The next fraudulent charge was for {$3500.00} to " XXXXXXXX XXXX XXXX '' in XXXX XXXX IL XXXX 

I live in XXXX and do not have a car. I have never been to XXXX XXXX, nor do I have the means to get there. The night before the fraud, I was at a wedding rehearsal dinner and then the day of XX/XX/XXXX, I was attending the wedding. There is no physical way that I could have made these charges. 

I immediately called Bank of America to file a complaint and to cancel/issue a new card. I still had my debit card in my wallet and I cut it up & threw it away that day. Bank of America opened this claim number : XXXX. They issued me a temporary refund. 

Bank of America has since ruled not in my favor multiple times even though I have submitted evidence of where I was located on the night before the fraud and the day of the fraud. They have since taken away the temporary refund. 

I am unemployed and currently living paycheck to paycheck. I need help fighting this fraud!