davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, Experian and XXXX. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
Consumer complaint received 2023-03-24
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. (PA)

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I called XXXX  XXXX to acquire about prices and packaging.The rep took my name and number and other info.He told me he would have to do a inquiry to see if I qualify. I EXPLICITLY TOLD HIM NO bc I was working on my credit. I then told him Id have to call back to complete my inquiry bc company had arrived. I was told the call was recorded so EVERY THING IM saying is verifiable. A couple hours later I get an alert from XXXX XXXX that XXXX had did a hard inquiry. This ocurred XX/XX/2019 around XXXX central time.
Consumer complaint received 2019-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

I am taking unpaid time off because I am getting ready to have a XXXX. I have filled out all appropriate FMLA paperwork to cover my job and myself during this time. I called today to see about temporarily suspending my payments while I am on XXXX  leave and was flat out denied on the spot. I am actively looking into suing Navient ( still Sallie Mae, a name change wont make me forget how poorly you have treated me over the years ) for how they have handled this situation. Is it even legal for them to deny me suspension of my payments when I am getting ready to have a XXXX  and am on FMLA? It cant be legal. I am seeking out legal advice now, I am hoping to have a lawsuit filed by the end of the year.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2019. I received a letter from Bank of America informing me that my account was being closed due to fraud related activity. I never committed fraud in my account. I deposited a check into the account from my XXXX account because I was anticipating money being deposited into the account to cover the amount of the check. I was a BOA customer for over 10 years. It was baffling to me that they would assume and rule out fraud without conducting a thorough, proper investigation. Please assist as this is effecting my ability to open a checking account at other banks.
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (WA)

On XX/XX/2019 I made an ATM CASH DEPOSIT at XXXX XXXX  at the XXXX XXXX XXXX Branch of KeyBank to cover an XXXX overdraft that occurred XX/XX/2019. They withheld that Cash Deposit which made more overdrafts amounting to the tune of {$160.00}. I contacted KeyBanks 1800 number immediately after seeing that my Cash Deposit was withheld til midnight of the XXXX as they also caused the overdrafts by doing this. They refused to reverse the overdrafts stating There computer did not recognize the CASH DEPOSIT so this held. I went into the physical location on Saturday, XX/XX/2019 spoke with Branch Manager XXXX XXXX explaining the situation and how unsatisfactory I felt about the business relationship with KeyBank and to close my account effectively before I walked out the door, she gave me the {$64.00} that was left in the account, but than stated there were 3 items for {$3.00} still pending and once those close out, the account would be considered CLOSED! I looked on line the following Thursday XXXX XXXX I went on line to ease my mind that this Checking Account was indeed CLOSED and it had not been!! A negative balance of {$19.00} was showing!! I contacted XXXX at KeyBank and asked her why this was happening she stated because of the pending transactions she couldnt close the account, I then stated why did she allow me to take out the {$64.00} because that would have covered those remaining pending transactions if they are not automatically deducted once the vendor puts ahold for funds on the account like XXXX does. She goes in to tell me, Key doesnt work that way. I told her since it was late in the day, Im XXXX and do not drive, I couldnt make it in til XX/XX/XXXX @ XXXX XXXX to pay again the {$19.00} for these charges they let through on a CLOSED ACCOUNT. Upon arriving to KeyBank via the XXXX car service, XXXX states the amount had gone up from {$19.00} to {$29.00} because three more {$3.00} transactions had gone through. I paid it and firmly told her again to Close the Account and if any straggler Vendors I may have forgotten or have contacted and still tried to use the account could contact me and I would give them my new banking information or ask why they attempted to use the account after I had communicated with them that the account was no longer valid. As the conversation closed she stated she would handle the account personally and assured me no transactions would go through and I wouldnt be charged ANY OVERDRAFT FEES if they did. As of today, I get an email from a KeyBank that I owe another {$160.00} for those three {$3.00} transactions they let go through after I requested the account closed not once but twice. This is an Atrocity of its highest order of Banking Fraud  and Greed to a XXXX Senior Citizen on a fixed income and they need to be dealt with. I would like all the overdraft fees back, from the XX/XX/XXXX incident til date. Im sure I am not the only individual this has happened to. No proof just conjecture.
Consumer complaint received 2020-09-23
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: CBC Companies, Inc. (MA)

Hello, How are you? 
On XX/XX/20 I received an alert that a compony FACTUAL DATA pulled my credit in which it was not authorized by me. I fraud alert on all the XXXX major credit bureaus for any company requesting my credit report to contact me for verification but I did not received a call from FACTUAL DATA and that hard inquiry is still on my credit report until today XX/XX/20 and showing up on my credit report as a hard inquiry. The company failed to contact me to verify that I authorized the report to be pulled as its stating on my fraud alert. I need the company to delete this from my credit report from both XXXX and XXXX or prove that this account was authorized by me with verification of authorization.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

US BKPT CT UT XXXX XXXX XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX The reporting of these accounts ( s ) is/are violations of 15 USC 1681a, the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of s specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ). credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license ID, and license plate credit cards the extension of credit.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (VA)

The judgement has been paid and satisfied in whole. On XX/XX/2019 In the amount of {$920.00} withdrawal from my bank by Midland Funding from my SSI XXXX income. 
Circuit Court City of XXXX, VA The judgement has been satisfied on XX/XX/2019 There is a balance of {$70.00} which I disagree with. There should be a XXXX balance according to the court Notice of Satisfaction
Consumer complaint received 2018-08-03
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. (LA)

I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.
Consumer complaint received 2021-07-14
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: CORELOGIC INC (GA)

The violation that took place was Fraud and identity theft performed by Credco. 

I opted out of Credco releasing my consumer data report or any information from any company or third parties on XX/XX/2021. 

On XX/XX/2021 I received an alert from my credit monitoring service that Credco has released my personal and financial information to a third party company without my written consent, which is supposed to be in their policy for opting out of their service.
Consumer complaint received 2021-07-14
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. (DC)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX.  Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (MA)

What is going on? American Express told me my accounts will be reopened after payment. They closed my accounts down for financial review during the most difficult time of my parents XXXX. Then I was told if I make the payments in full for the Charge cards my cards would be reopened. After now a couple weeks it has yet to have a status change. Please reopen my cards as I had responsible timely payments in full for 5 years+ with American Express and I feel I am being bullied into submission here.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collins Asset Group, LLC (NC)

I had an account that i got behind on that ended up going to collections. Then a company called Collins Asset Group brought the account from XXXX XXXX. The issue is both accounts are still showing up on my credit report and i have disputed both twice and now i can't anymore and they are still on my report. I want the old XXXX XXXX  moved off since it was brought by another company.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I have a chase XXXX reserve card that advertises earning points that can be redeemed at XXXX for travel. I am trying to book two round trip tickets from XXXX to XXXX for XX/XX/XXXX returning XX/XX/XXXX and their booking system online shows several itineraries available at various time of the day from XXXX XXXX XXXX yet I was unable to book any of them ( keep showing error messages ). So I called Chase up on XX/XX/XXXX and the agent who picked up the phone helped me book it. She said they are having system wide issue with their booking but I will receive a confirmation of my booking in the e-mail. That e-mail never came and I called back on XX/XX/XXXX. This time another agent told me a ) they could not find that reservation b ) the flights are not available despite the fact their website still show this and several other flights as available. The agent then elevated the issue to a second customer representatitve who told me the flight is available but at a higher price so I agreed to book at the higher price and then he came back and told me he could not book it. At the same time, all other 3rd party booking sites such as XXXX, XXXX show the flights as available. I asked the customer rep for a solution which would reimburse me for the cash cost incurred to book elsewhere and deduct the required points shown in their system and he came back saying they could only do it at XXXX instead of the XXXX advertised. I asked that he further escalate the issue and have a supervisor call me but he said no one is available and they do not do call back. It is regretful on Chase 's part that 1 ) they lie to be about making a booking when it never happened 2 ) they could not meet their promise despite their own system showing flight availablibility 3 ) they openly acknowledged system issues but instead of figuring out what went wrong on their end and properly remedy the situation, they just let the consumer hanging with no solution offered. To me that is false advertising on the benefits of the card and breach of cardholder agreement. I would strongly ask CFPB to investigate the issue and take appropriate actions. Thank you!
Consumer complaint received 2023-08-06
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: CREDIT ACCEPTANCE CORPORATION (MI)

I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ Credit Acceptance Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

in XXXX of XXXX my interest free promotion ran out on a XXXX clearance item my balance at that time with interest applied was XXXX i have always made my minimum payment on time and now today XX/XX/XXXX my balance is now XXXX how id that even possible i have always made my payments on time and my balance has gone up to almost twice the amount of the item purchased 3 years later im pretty sure that 36  mos at XXXX dollars a month is XXXX so how in gods name is my bill still XXXX i am getting robbed blind by synchony bank and value city furniture
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NH)

Hi, I'm I one of several dozen ( hundreds? ) victims of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange XX/XX/22. 

A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (MI)

On XX/XX/22 I let the credit card issuer, Monroe and Main, know that I was a victim of a fraudulent account. I reported this via email through their website. I have never heard of this company prior. I deny opening any account, receiving a credit card or receiving any product. They also have my maiden name in the address area which I do not use. A charge was issued on XX/XX/22 in the amount of {$140.00}. I am waiting to hear back from this company. Can you help me with this identity theft? Thank you!
Consumer complaint received 2020-09-23
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. (TX)

I have reached out to XXXX, XXXX and experian several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX  and XXXX  that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX   which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.