davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (PA)

I was interested in possibly purchasing a XXXX XXXX. I filled out a pre-approval on Chrysler Capital 's website to see if I'd be approved for a loan. Part of that process required me to select a dealership. I selected XXXX XXXX XXXX XXXX since they're the closest dealership. 

I never authorized anyone to run my credit, and I ultimately decided to wait a while before purchasing a second car. I had an inquiry into my credit from Chrysler Capital despite never authorizing anyone at anytime to run my credit. 

Chrysler Capital is saying that the inquiry was initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got my personally identifiable information from Chrysler Capital . I want to know the name of the person who initiated this inquiry into my credit. 

This inquiry was unauthorized and is fraudulent. I intend to file a police report and press criminal charges against the individual and companies that allowed this unlawful inquiry into my credit to take place.
Consumer complaint received 2021-02-06
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: HCFS Healthcare Financial Services of TeamHealth (NJ)

On XX/XX/2019 I filed a police report because I noticed fraudulent activity on my credit report. This is an on going issue with fraud on my identity. I have multiple fraudulent accounts that still remain on my credit report and due to these fraudulent accounts my credit report has been negatively impacted severely. These three credit bureaus, ( XXXX, XXXX, and XXXX ) have been reporting fraudulent accounts without the proper legal validation as per the Federal government. Once my identity was exposed, fraud has been reoccurring from the lack of proper screening by XXXX, XXXX, and XXXX  on these non validated accounts.. Before I proceed to litigation and start my filing of an order to show cause through the courts, I demand these fraudulent accounts be removed immediately. I have been advised by my local police department to file these complaints as the next step.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with XXXX, Equifax, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, Equifax, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, Equifax, and XXXX   have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore XXXX, Equifax, and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, Equifax, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Pursuit, LLC (NY)

A debt of {$12000.00} for unpaid attorney fees was discharged in bankruptcy in 2010 and the judge issued only a charging lien against any divorce assets that I might recover. My personal assets remained protected but the attorney persuaded a collection agency ( asset pursuit ) to freeze {$5000.00}. in my bank account. The bank also took {$120.00} out of my account for processing fees. 
Asset Pursuit then authorized the release of my account and {$5000.00} was returned to me however Asset Pursuit is refusing to return the processing fee of {$120.00}.

My cash flow was impacted for approximately two weeks and I am apprehensive that this may occur again in the future. My bills were paid late and late fees were assessed even though this debt that they attempted to collect was fully discharged in bankruptcy. The original amount they sought was {$31000.00} which is yet another error. I have retained all of the emails showing that Asset Pursuit acknowledges the debt as having been discharged and they proceeded to release my funds. 





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Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2020 I had realized that there was a tremendous amount of funds that were withdrawn from my account at bank of America. I had reached out to the bank and explained that it was fraud and I didn't authorize this transfer. I had disputed the transaction and the denied my request and they told me to file a police report and reported it to the Identity theft.gov and they sent out letters to the company explaining my situation with the identity theft that had occurred and to erase the traces of the fraud and to reimburse for the amount that was taken from my account but the company didn't respond to the letters.
Consumer complaint received 2022-10-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (HI)

On XX/XX/XXXX I engaged in a Consumer Creditor transaction with PenFed Credit Union XXXX XXXX XXXXXXXX XXXX  PenFed never disclosed the car was prepaid before I drove away from the car lot. PenFed never informed me the car is fully insured until the completion of the loan. Also, PenFed hasnt disclosed they are debt collectors. The Truth in Lending Act protects the Consumer under XXXX5 USC 1692 Fair debt Practices Act. As a Consumer Creditor in this transaction, the XXXX XXXX secures all obligations, fees, and insurance for said purchase. 
On XX/XX/XXXX I requested an investigation with PenFed and requested for them to validate the debt as well. I also noticed every requirement for alleged payments is always in the positive. How do you pay something thats already in the positive?
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed. USDDEPTOFEDXXXX XXXX {$1400.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$1500.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I noticed the amount due on my statement was higher than expected and seemed too high. I audited the charges on the statement ending XX/XX/2024. The balance due was {$11000.00} higher than the actual charges verified in my audit. I called Amex and verified all the charges with the Amex agent. I asked her to explain the discrepancy between actual charges and the amount due on the statement. She gave a verbal response regarding policies, procedures, and credits. I did not understand. I invited her to go the the math, line by line to explain the amount due in dollars, not words. She refused to do it and cut me off in the middle of my verbal requests for information and attempts to explain my position. I asked for a supervisor and a new agent was passed to me. We went had the same conversation, including my invitation to do the math line by line. She refused to go through the math and cut me off while I was speaking. I don't recall ever completing a full statement. I asked for her supervisor and was passed to t a third agent. This agent cut me off before I completed a single statement and refused to go through the math, line by line, with me to explain the amount due. All three agents were disrespectful. After continuing to ask for the third agent to respect me by letting me complete a verbal statement and asking her why she continued to disrespect me, she hung up on me. Supposedly, all of this is recorded and on record. I am willing to pay all money I owe to Amex if they can explain it to me in dollars with math, not words. Until I understand why I owe what I owe, I refuse to pay my current billing statement. I have performed my due diligence in trying to resolve this directly with Amex with a recorded conversation that lasted over two hours with three different agents. I am requesting that CFPB work with Amex to explain how Amex determined how much I owe and explain the discrepancies with math, numbers, and dollars.
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (WA)

XXXX XXXX has not been reporting my payment history with the Exprian. I have reached out to XXXX on numerous occasions and even followed their advice to create a dispute with Experian. I started the dispute XX/XX/20 and had to follow up with XXXX on XX/XX/20 about the payment history being sent to Experian. Today XX/XX/20 XXXX removed the loan from Experian and never reported the missing payments from XXXX.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

We opened an account with Citibank They promised XXXX Bonus if a balance of XXXX for 90 days and it's now over 7 month and they do not respond to calls in regards to the bonus.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

I have a Venus card through Comenity bank. I just increased my credit Line from XXXX to {$1500.00} last year. My account was closed due to inactivity XX/XX/2020. Which this will impact my credit Due to Covid 19 I havent been using any of my accounts because my income has been reduced, theres a pandemic no one has been buying things that arent a necessity. Closing a good standing account during this time is Injust and unfair. They offered me to apply again! I dont this is fair when millions of people are out of work and having financial hardships. I just want my account fixed.
Consumer complaint received 2023-05-28
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. (TN)

I did not authorize 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 please move this off my report thanks.
Consumer complaint received 2024-01-20
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 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 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC. (TX)

This bank merged with my bank ( XXXX ) at the beginning of XXXX. 

I was unable to connect to any of my online accounts for almost the entire month of XXXX because they had locked my online accounts, and there was perpetual hold music on their " help line ''. 

I finally got someone at the local office ( XXXX ), and she was able to resolve things, then my automatic bill payment for my rent went to the WRONG address for the month of XXXX. The previous bank had been successfully doing an EFT to my landlady for several years, I have no idea why they stopped the EFT and then screwed up the address for my rent check, but I corrected it in the online account, and thought that everything would be fine. 

I was wrong. It was not fine, they sent my rent payment to the wrong address *AGAIN* this month, my landlady is NOT AMUSED, neither am I. 

I attempted to contact XXXX XXXX again, but was unable to do so, however XXXX XXXX was able to see that my rent should have been sent to the correct address, however their 'processor ' has the wrong address in their system. 

This kind of incompetence is simply unacceptable.e
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX  XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX XXXX {$1000.00}
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (AZ)

Fdcpa stated I have a right to a proper investigation. I need proper VALIDATION : NCB MANAGEMENT SERVICES # XXXX. 
I need the following validation : copy of the original contract with signature, full copy of payment history, name and address of original creditor, proof of the debt assignment. By law you have 30 days to respond this is validation any inaccurate information must be removed immediately. 
Best regards,
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX  XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX  XXXX {$1000.00}
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am submitting my fourth communication and follow-up to my recent correspondence dated XX/XX/XXXX, addressing the matter of identity theft. As a victim of this crime, I dispute the items in my file associated with the incident. It is crucial to reiterate that these contested items are not connected to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. I kindly request the removal of the records of these items from my credit file, attributed to the alleged identity theft. Additionally, I have attached my filed FTC report # XXXX for your reference : 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
Consumer complaint received 2017-08-04
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. (AL)

Roughly around XXXX 2016 Transunion had a glitch in their system which removed all of my inquiries! And the were re add back without written notification 5 days prior to re adding them! I know my rights and I would appreciate if you will help me enforce these rights
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY (NC)

I received a call from XXXX five days ago. " American Express XXXX XXXX '' has continued to call from this number. Interestingly, this number also comes up as XXXX XXXX. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. The letter received does not disclose that " this is an attempt to collect a debt '' and not provide the required notice within five days. This company should be prevented from conducting any additional calls as this is now being harassment.
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX   XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times  in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX, XXXX, CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.