davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XXXX, we applied for a personal auto loan through Bank of America and were approved immediately online. We applied on our own, **NOT** through any dealership. On XX/XX/XXXX, we purchased a vehicle from XXXX XXXX XXXX in XXXX, Oregon. The salesperson, XXXX XXXX, insisted on us giving her our employment information, address verification, social security number, etc. I verified and asked **SEVERAL** times during the call, that she would **NOT** be using this information to pull our credit since we already had a loan. She assured us they would not be pulling our credit. 

Low and behold, on XX/XX/XXXX, they submitted our information to Bank of America AGAIN,  despite the fact that we already had financing through them, despite the fact that we were assured they would not be pulling our credit, and despite the fact that they did **NOT** have our authorization or signature to do such a thing. 

Since we check our XXXX report often, we were shocked to see a second hard inquiry on both of our credit reports. I immediately called both Bank of America and the dealership, who each admitted it was a mistake but said there was nothing they could do about it. The bank told me I had to fax in a letter requesting the unauthorized hard inquiry be removed from our credit. I faxed a letter to Bank of America on XX/XX/XXXX. I received a letter in the mail today stating that " all of the information that is being reported is accurate '' and they will " not be removing the inquiry from our credit. '' This makes no sense as we did not even authorize the inquiry. 

I would like to file a complaint against XXXX XXXX XXXX for applying for credit at Bank of America on our behalf without our authorization or signature. The hard inquiry will remain on our reports for TWO YEARS. Absolutely ridiculous.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (MI)

Credit Karma. I have an profile with them. They have all my very personal information, I'm able to view everything however when wanting to open an checking through the app, it was unable to die to not enough information to identify me after appying in the credit karma app where all of my other information is kept and jointed together. The chat agent " XXXX " the one and only agent after being asked for birth of date n last 4 social. It responded saying we re unable to identify you due to " lack of information ''. I have screen shots on my phone I would like to provide by email. It very suspicious, exspeaily when it said, many of our customers have tired n been working on it. They deny me why they couldn't identify me with all of my personal sensitive information. It odd n there is no call number
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$450.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2022-12-27
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (UT)

I replied to an offer from XXXX XXXX for an early up grade and was sent 2 new XXXX  with new lines added to my acct I asked representative several times about not adding lines to my service. She insured me that she was not a month later I saw that I had 2 new phone numbers on my acct I called numerous times with over 40 hrs and several nights on the phone with XXXX I was always transferred to someone else who said they would take take of me I had them start cases and a fraud case to get this resolved they would not email me anything about it but I would receive text messages with the case numbers on them and since then I have moved to another provider because I could get no response or anywhere concerning the matter of two additional lines and phones added to my account. I tried to send the phones back, but they wouldnt except it and then I got charged early cancellation fee for the two lines and accelerated payments for two phones and I sent back a XXXX XXXX XXXX that they have all the information IMEI numbers but physically cant find the phone now Im in collections for {$3800.00}. I reached out to XXXX XXXX XXXX I still cant get anything resolved through them. They were supposed to pull the phone call between me and the representative and figured out why I was added two lines on my service, but never heard back in any shape or form from XXXX XXXX XXXX now sunrise collections is calling me and put me in collections, which is killing my credit. This all started in the middle of XXXX 2021.
Consumer complaint received 2020-01-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial (TX)

On Q Financial has requested several documents that I have submitted based on each follow up I've performed. The initial application, letter of explanations, and additional letter of explanations to clear up questions/concerns on behalf of their underwriting review. I've talked to their Loss Mitigation department requesting a one time 30 day foreclosure postponement to allow time for underwriter decision, and I've been advised that the online portal they have, they are unable to view documents I've uploaded them until 24 hours. My property will be up for auction tomorrow, and unfortunately I do not have the 24 hours window to wait as my home is up for auction tomorrow XXXX. On Q financial has all of my information.
Consumer complaint received 2020-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient is claiming that I did not fill out an income based application, which I did. I filled out the application in XXXX 2019. As a result, my account has been assessed with fees and they refuse to acknowledge that I sent in my application. 

The income based repayment program grants consumers lower payment options and relieves consumers of their debt after twenty five years. I believe that Navient claims that they have " misplaced or loss '' the filled out application not only to add fees to consumer accounts but to ensure that the clock does not start on the consumer being able to relieve their debt in twenty five years. 

I filled out an application in XXXX 2019 that was accepted and approved by Navient. However, they have claimed that they do not have it and even if I send them the completed application they agreed to, that it is no guarantee that my account would be back dated to the date of the application. This is unfair and it seems illegal since the application is a legally binding document.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I received a new master card bill opened in my name addressed to my home address that i never opened with a charge of XXXX $ purchase at XXXX XXXX XXXX which is a fast food restaurant to my knowledge. I called the company " XXXX XXXX XXXX Master Card '' at XXXX XXXX the name on the bill and told them that I never opened the account and it's fraudulently opened using my name and ask them to close it and I'm not paying the balance. Instead they asked my SS #!! .I told them. " Are you kidding me?? why would I like to give you my info when this acct is fraudulent .why would I supply my personal info to close an account after i gave the acct name and account last 4 digit? ..i asked them to close it but they insisted to know my SS # and they werent even interested to know the full acct 16 digits #! I hanged up. I think this company is fraudulent trying to lure people giving their SS #. 
The company name is SXXXX XXXX XXXX   MASTERCARD XXXX XXXX XXXX XXXX AZ XXXX It shows connected with the Citi Group.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

My father school gave him a check to deposit but he could not deposit it because he is XXXX I placed the check inside of my bank account The school cleared the check and now Citibank is blocking my account My father is XXXX and he can not move so he takes online classes They want him to come to the branch but he can not move I told Citibank to give me back the check and I will give it back to him But they have already cashed it The school can not issue out another check because Citibank has stole the money which is illegal I spoke with a representative named XXXX with ID number XXXX and XXXX from the risk management department in Maryland I said I just want my fathers check back and to close the account They refused to give it back so I had to file this complaint
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION (AL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I had a collection on my Equifax credit report placed by XXXX XXXX XXXX. It has been on the report for a year and 8 months. On XXXX XXXX. 2022 I called the XXXX and made arrangements to pay the debt, I paid at once with my bank debit card, they in turn notified Equifax of the settlement. Equifax now shows the debt as paid but continues to report the debt as a negative with remarks that lt needs my attention. This is keeping my credit score from a fair rating. Everything else on my report is perfect.
Consumer complaint received 2023-02-13
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. (GA)

On XX/XX/2023 Equifax responded with an update to my CFPB dispute concerning inaccurate late payments on my consumer report. Equifax stated : XXXX XXXXXXXX # XXXX HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. If payment history was verified as reporting correctly then why am I still seeing inconsistence ( see attached ) in payment history and why was any modified fields made. Please provide supporting documentation for your investigation.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX RE : Notice of stolen/unauthorized use of ATM/Debit Card Account ( CitiBank ) Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was stolen & was used for an unauthorized transaction on XX/XX/XXXX. I did not authorize any transactions on or after this date, and I did not authorize anyone else to take moneys out of my account or use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$2000.00} I am able to provide a copy of each of the following documents to this letter : 1. A copy of my Bank Statement which includes : o Copy of Fraudulent Check deposited and withdrawn o The police report about the theft of my identity and robbery that happened in XXXX XXXX. 
o Copy of Bank Statement reflecting fraudulent withdrawals 2. The FTC Notice to Furnishers of Information I went to the bank and I asked them to close the account and restore any funds which have been withdrawn from my account. I asked banker to also notify me in writing of the results of their investigation and asked them to send me written confirmation that all stolen funds have been restored and the account has been closed.
Consumer complaint received 2022-12-27
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. (AR)

I would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

On XX/XX/18 I called Equifax to request a credit report and a credit freeze, with great difficulty regarding the language barrier of the Equifax staff, I asked to speak with a supervisor. Continuing to have difficulty regarding the pronunciation of my name, I spelled out my first and last name. 

My report came and on page 6, Personal Identification Information list, " name on file '' which is incorrect. On the same page below my address it list " formerly Known As '' with my correct name.

On page 2, it list a name that is not mine. 

I called Equifax again, with the same difficulty of attempting to resolve my concern. It is unconscionable that what is apparent that the agency to monitor credit has been out sourced to another country. The difficulty in attempting to spell out my name and provide information all the while having concerns that the information is not being understood due to my pronunciation and their pronunciation of letters is unprofessional.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (TX)

Subject : Cease and Desist Unauthorized Collection Activities and Removal from Credit Report Dear WEST CREEK FINANCIAL XXXX, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that WEST CREEK FINANCIAL XXXX has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing WEST CREEK FINANCIAL XXXXXXXX from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with WEST CREEK FINANCIAL XXXX, and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by WEST CREEK FINANCIAL XXXX may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA.

I demand that WEST CREEK FINANCIAL XXXX cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-27
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. (AR)

I would like to state that Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I can not access my online account with XXXXEquifax. Equifax is unable to assist me with updating my access to this account. I need access so I can freeze/unfreeze my account as needed. 

I strongly believe Equifax is intentionally preventing access to the free XXXXEquifax online account to force me to sign up for their paid consumer protection services. Extremely unethical practice. 

As a side, both XXXX and XXXX provide reasonable online access to free credit reports and freeze protection.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (AL)

I, XXXX : XXXX, XXXX XXXX XXXX for exercising my consumer rights in good faith under the CONSUMER CREDIT PROTECTION ACT and denied the use of my own credits pursuant to 15 U.S.C. 1691. Equal Credit Opportunity Act makes this unlawful. SANTANDER CONSUMER USA and XXXX XXXX pursuant to 15 U.S.C. 1692j, furnished an application which is a deceptive form and that is unlawful to design and used my personal information without my written consent, making this identity theft. I was not given full disclosure about all material facts. SANTANDER CONSUMER USA and CHRYSLER CAPITAL has communicated with credit agencies without my written permission which is identity theft and also a violation of my consumer rights. SANTANDER CONSUMER USA and CHRYSLER CAPITAL quoted me charges that totaled more than the finance charge and did not include any insurance premiums with services pursuant to 15 U.S.C. 1605 ( a ), 1605 ( b ) ( 2 ), & 1605 ( c ). These unfair and deceptive business practices are all in violation of my consumer rights pursuant to The Unfair and Deceptive Business Practices Act. I sent a notice to SANTANDER CONSUMER USA and CHRYSLER CAPITAL and received a correspondence back without remedy.