davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (IN)

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

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXXXXXX XXXX  factual date XXXX 15 USC 1681 Section 602 A 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 a account without written consent.
Consumer complaint received 2019-12-31
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. (PA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-01-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, transunion and XXXX  did not comply with updates on my request to fix the issues of inquired on my account within a 30 day period.
Consumer complaint received 2020-06-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX ACCESSED XXXX ACCOUNT See attatched XXXX letter XX/XX/XXXX Requesting VERIFCATION WITH ORIGINAL SIGNATURE OR DELETED IMMEDIATELY TO NO AVAIL.see attatched proof of delivery XXXX Thurs XX/XX/XXXX. See attatched XXXX  Credit Reports XX/XX/XXXX. ( Opened. XXXX XX/XX/XXXX ) Report Confirms ussa Account XXXX Kindly Note the Grey Background Hiding Account Numbers & XX/XX/XXXX ( opened. XXXX XX/XX/XXXX ) Credit Report Confirms usaa Account XXXX Kindly Note Grey Background we can Barely See Account Numbers. I believe this is done BECAUSE THE ACCOUNT NUMBERS CHANGE??? USAA & XXXXTtogether Create this Fraud. I AM REPORTING WHAT I BELIEVE TO BE A CRIME. THIS IS NOT FAIR CREDIT These two Companies Collaborate Together Against Cinsumers. This is no error. Next see attatched USAA DOCUMENTATION CONFIRMING NUMEROUS DIFFERENT ACCOUNT NUMBERS ending 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX all previously sent to XXXX. I DEMAND XXXX PROVIDE DRS LICENSES FOR EACH ACCOUNT AND SIGNATURE AUTHORIZING VERIFICATION I OPENED OR DELETE IMMEDIATELY. XXXX  & USAA have ruiened my credit for years. XXXX  covers up for USAA Clearly XXXX  would have noticed the two accounts changing.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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 2020-06-10
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. (GA)

XXXX XXXX  ( Paid in Full ) {$130.00} XXXX/XXXX  XXXX  ( Never Late ) {$4700.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (MN)

An account on my XXXX  credit report was disputed but I have not received the results of the dispute/investigation. The account number listed is XXXX and a balance of {$300.00}, with no other identifying information. This information is not valid and making it difficult to obtain credit.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: APPLE FINANCIAL HOLDINGS, INC. (VA)

I inherited 4 CD IRA accounts in Apple Bank of NY. I have sent all the pertinent information to the bank such as a letter of administration, death certificate, etc. I am trying to transfer an inherited IRA to my brokerage account. The bank apparently requires a semi-annual statement to initiate this transfer. I asked the bank to send me the last such statement but they refused ; they said to wait when they issue this statement. 

This back and forth has been ongoing since late XX/XX/XXXXof this year. 

No documents are included because the bank already has the material
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on XXXX website. TransUnion and XXXX have already removed this account.
Consumer complaint received 2020-06-10
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TrueAccord Corp. (CA)

I was contacted by XXXX last year to pay my student loans. I followed the steps and I have been paying {$100.00} a month since XXXX XXXX, 2021. I just logged to my XXXX and there are no records of my payments. I found that none of my payments had been going towards my loan payment but towards someone else. When I try to log into the TrueAccord website with the account number I was given it asks if I am XXXX XXXX XXXX. I am not even able to delete my banking documents or log into the account now. I have been receiving emails each month letting me know I was paying the loan and how much I have left. They have received {$1200.00} from me so far that was supposed to be towards my student loans.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (TX)

I received a XXXX XXXX XXXX XXXX XXXX  credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per Experian. I have not had any success getting through with either Email ( www.experian.com ), or by toll free telephone XXXX. 

I can not make a human connection.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (GA)

I have submitted multiple disputes to the bureaus and the company World Finance. This account does not belong to me. I have also submitted a copy of the federal trade commission report to support that this account is a result of Identity Theft. I have been disputing this account every month Since XX/XX/2023, with no response from the bureaus nor the company. The bureaus continue to kick out my dispute saying that I am a third party but I always specify in the beginning that I am the person doing the disputes not a third party. I have submitted my drivers license to prove it's me and I have called the bureaus. I have called the company and I can't get anyone to help me. I thought that no response in 30 days the claims from them would be dismissed. This is ridiculous.
Consumer complaint received 2024-03-20
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. (LA)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (TX)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I woke up on XX/XX/XXXX to a message from my credit card company, Chase, stating that there was fraudulent activity on my card. I checked my account and XXXX {$15.00} XXXX  transactions ( total {$130.00} ) were made through the XXXX XXXX using my card. This was not me. I immediately reported it to Chase, they cancelled my card, sent me a new one, and removed the charges from my account stating they would look into it. At this same time XXXX sent me an email saying there was suspicious activity on my account, which had obviously been hacked. I recovered my account and changed the password. In the security tab I was able to see multiple log on attempts from foreign countries. At this point I felt I had resolved the issue. 

XXXX months later in XX/XX/XXXX, I check my statement and notice the charges reappeared on my card. I called Chase and they told me their investigation found the charges to be valid and I would have to pay for them. I insisted that I did not make the purchases. Chase told me XXXX said the purchases were legitimate and they were trusting the seller ( who had even notified me of my compromised account ) and not their client ( me ). They offered to reopen the fraud claim if I had any additional evidence. I told them I could share the email from XXXX on XX/XX/XXXX and I could show evidence of regular attempts to login to my XXXX account from foreign countries. I sent them the documents and they reevaluated the case. 

Today I received a letter in the mail from Chase once again denying my fraud claim. I am the victim of crime and my credit card company is not protecting me as they advertise with their " Zero Liability Protection. '' I am frustrated and not sure what to do.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NJ)

This was back in XX/XX/XXXX I had a Santander USA loan and they repoed it XX/XX/XXXX I just put a complaint in about this no response since XXXX XXXX it is about the corporations also everytime I put a complaint since she has taken over u got to have millions of dollars to get anything done. Santander USA in NJ charged me on a XXXX XXXX XXXX XXXX $ for 74 months interest rate was 22 %. Yes I have put a complaint but havent got a response so I figure do it again this is what I get fidnt u just put a complaint in for this!! Yes but I guess people in XXXX XXXX are having brain freezes
Consumer complaint received 2023-01-13
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: PNC Bank N.A. (TX)

As it has been over a year since I started this dispute but I am still waiting for PNC Bank to have the negative/derogatory remark remove for my credit profile. In their last response they requested a letter from XXXX bank, I sent XXXX letter on XXXX which I received via fax from XXXX. On a cover letter 's subject line it it Clearly says that I never had any deposit account ( s ) and on the letter head it shows my credit account detail but PNC bank refuse to accept it. I sent a second letter on XXXX that says I don't have any checking/savings account with XXXX  but PNC Bank representative XXXX XXXX still refused to accept the letter and requested a new letter stating that I Never had any account with XXXX Bank in order for them to process my request. I sent third letter that I received from XXXX bank on XXXX that says I Never had any checking/savings account with XXXX. I am still waiting for the response and relying on PNC Bank to resolve this issue and remove the the negative/derogatory remark from my credit profile. 
I have attach the email correspondence with PNC Bank representative XXXX XXXX that was working on this issue, in which she said in her last email that she will not have any update on his case. I am still waiting for the response but they have not responded back.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am filing this complaint after attempting to resolve this issue with customer service on multiple attempts, and an unanswered XXXX XXXX XXXX complaint. 

On XXXX XXXX XXXX, I received a special offer with a code to open a Wells Fargo checking account, and receive a {$200.00} bonus after {$1000.00} in total direct deposits within the first 90 days. After 90 days, Wells Fargo promised to deposit the bonus within 30 days. I met the conditions, and received an email after opening my account that I qualified for the {$200.00} bonus once I met the direct deposit requirement. On XX/XX/XXXX, I filed a XXXX  complaint, but Wells Fargo hasnt responded with a resolution. Instead, I received a letter in the mail stating that they would resolve the issue within 10 days. That has passed as of today. 

My conversations with customer service at the end of XXXX ended with me being told to give it a few extra days because of the holidays or call us back. On XX/XX/XXXXXXXX XXXX XXXX I again reached out to customer service, and was told that any account bonuses are handled by branches - even though I opened my account online.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

what happen was some unknown person or person [ s ] stole over XXXX of my money from my bank of America account.the identity thief seems to have originated from a company call XXXX which I previously brought a item or two in the past. I did not notice these amounts missing since I don't regularly check my account, because I never had this type of thing happen before, since bank of America would text if they suspect something was not quite right about purchases or debit amount, but not in this case. I check my account the XX/XX/XXXX and notice my money was gone. I immediately call bank of America and told them of this breach and I also contacted XXXX about this thief. Bank of America assured me they would investigate this matter and they would give me a temporary credit until investigation was complete. Than shockingly they reverse my temporary credit as they were not sure of the fraud .I been a loyal customer of bank of America for many years and felt like I been victimize twice as if I was some how negligent in the thief of my money. I wish this did not happen since my money is important to my family and bills. I am requesting all moneys be return to my account.