davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (CA)

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish information without my written instructions.

I am writing to dispute the following information that Experian has reported to my Credit Report which is inaccurate. I am requesting that all the inaccurate information below be deleted immediately. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-15
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: First Advantage LNS Inc. (TX)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Consumer complaint received 2020-02-16
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. (MN)

Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent and unauthorized credit inquiries XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-02-16
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. (MN)

Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, XXXX  and Experian credit report : XXXX XXXX XXXX, {$8500.00} and XXXX XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, XXXX and Experian credit report.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy Federal Credit union has repeatedly garnished our bank accounts for a credit card we had while we were in the military. We had paid for insurance to pay off the debt if we were XXXX due to service, but they refused to honor it, and gave us the run around for 2 years to purposely cause the coverage to no longer apply. They have seized XXXX payments from the VA, which is illegal to do.
Consumer complaint received 2023-05-08
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. (NJ)

My estranged XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( father 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in NJ the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXXXXXX XXXX XXXXXXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding one. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXX XXXX, FL ) Known Residences : Multiple locations in Florida such as XXXXXXXX XXXX XXXXXXXX FL, XXXX, he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MN)

Chime received {$850.00} back from a merchant on my behalf. According to the merchant they sent the funds to chime and chime accepted them however chime refuses to give me the money they keep saying no error was made and I will not receive a credit for disputes.
Consumer complaint received 2023-03-09
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: Bread Financial Holdings, Inc. (MO)

victoria secrects late XXXX of XXXX {$35.00} XXXX XXXX XXXX XXXX XXXX late XX/XX/2022 {$41.00} 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 FURNISHED AN ACCOUNT WITHOUT MY CONSENT.

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 ANY PURPOSE.
Consumer complaint received 2019-04-10
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: EQUIFAX, INC. (TX)

I am a victim of identity theft as a result of recent data leaks online. I discovered this back in XXXX and have disputed all the fraudulent accounts with all three CRAs. XXXX and XXXX both promptly removed the fraudulent accounts ( within 30 days ) from me providing documentation supporting the id theft ( police report, FTC id theft report, proof of address, ID, and SSN ). Equifax however stated that I would have to wait 30 days for the dispute to complete which is completely fine but after the 30 days ended I was told to submit another 30 day dispute to remove the accounts leftover. The second round of disputes ended and the result was the same the accounts were not removed. I then submitted a block request under 605b of the FCRA and provided all the required documentation. Equifax again treated this as a 30 day dispute and said they would not block the items but did not state why. This is a direct violation of 605b. I've tried resolving this with the individual creditors however they treat this like an attempt to collect debt instead of resolving a matter of fraud. I've been dealing with this since the beginning of XXXX and it seems like there is no end in sight. Federal laws are in place for a reason I don't see how a Credit Reporting Agency can get away with not abiding by Federal Laws. Im tired of being given the run-around and being told to wait another 30 days. If they're submitted the same information with the disputes to the same creditors the result is going to be the same every time. The definition of insanity is doing the same things and expecting different results but yet this is exactly what Equifax is telling me to do!
Consumer complaint received 2023-03-08
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: Designed Receivable Solutions, Inc. (MD)

I'm reporting someone requesting my credit repor to use it for fraudulent activities I also have a police report for the same person using my name and social security number to order my bank debit card for their personal well being I have also file a claim with the bank that the card was order and stolen from. I am filling this report because I want to dispute some things that is on my credit report that I don't recognize. My name is XXXX XXXX XXXX XXXX go by XXXX XXXX XXXX Please contact me at XXXX XXXX XXXX or XXXX. thank you for your help
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I received an email from Bank of America telling me that a transfer was scheduled to be made to XXXX XXXX ( XXXX XXXX XXXX  ) within three business days. The amount of the transfer was {$4000.00}. Copy of email marked Exhibit A is attached. 
Upon reading the email, I at once call the bank and showed that the alleged transfer was an unauthorize one. The agent who took the call, reviewed my account, and told me that everything was fine and that not transfer was going to be executed. 
Therefore, the bank had " NOTICE '' that of the fraudulent transfer. 
NEGLIGENCE On or about XX/XX/2022, despite the above, the bank went ahead and executed the transfer. The bank that was on notice had a duty to protect my interest, The bank breached its duty, thus, bank may be found responsible for this unauthorized transfer. 
Furthermore, when I found out about the transfer, I called the bank, and spoke with an agent who reassured me that the bank will start an investigation, and that in the meantime the money will be credited back to my account. 
After days waiting for the money to be credit back to my account, I called back, this time, another agent. Told me that the money will not be returned to my account and that the investigation will take 90 days to complete. 
On XX/XX/2022, the bank sent me a letter denying my claim. The bank claimed that its " investigation found that the transaction in question was performed by an authorized signer on the account and is a valid transaction. '' NEGLIGENCE INFLICTION OF EMOTIONAL DISTRESS I am a small business owner. {$4000.00} is a considerable sum of money ; the negligence of the bank of transferring the money even tough they were alerted not to, has caused me XXXX, XXXX  and similar state of mind which has reduced my productivity in my business. 
The bank never did any investigation as they claim, they only sent me copies of their ledger showing the transfer. They never really investigate ( his, never talked to the alleged transferee to verify if my company had any connection that may have justified the transfer. 
When I insisted vvith the bank, I was told that my transfer was made using my cell phone ; then ( he bank needed from me, proof from XXXX ( my carrier ) that my phone was not lost, stolen, tampered with. 
The required proof is attached and marked Exhibit B. 
CONCLUSION Bank of America made an unauthorized transfer, and now the bank must return the money to my account at once. Any further delay will force me to seek legal remedies to correct this wrongdoing.
Consumer complaint received 2019-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I have had this vehicle since XX/XX/XXXX. It is financed through Credit Acceptance Company. Last XX/XX/XXXX, they Repossed my XXXX XXXX. However I had to pay $ XXXX repo fee+XXXX  to get my car back. Payment was not late. they got my car two more times after I have filed Bankruptcy. 
I paid my money to the trustee XX/XX/XXXX as well as XX/XX/XXXX and Thursday XX/XX/XXXX they came and got my car again. all this is doing is lowering my credit score. My score was in the 600s when I purchased this vehicle now my score is XXXX. 
The is not a good finance company
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( XXXX ), XXXX XXXX ( TransUnion ) and XXXX XXXX ( XXXX ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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: CL Holdings LLC (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CT)

I am missing about {$150.00} from my XXXX XXXX debit card account balance. I have all my receipts for the month of XXXX..and my receipts from my online purchases. I added everything together and I found discrepancies with the numbers! My balance is much too low..according to all my receipts and my debit purchases I made for the month of XXXX so far!!! Believe me I have all my receipts for the month of XXXX..and I am missing money!! It may not be as much as {$150.00} but there is some discrepancies somewhere. I need XXXX XXXX to return all money back to my debit card ASAP!! The company hasn't responded..they often hang up on us, ..or are not clear on what they are saying!
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (AR)

Please provide proof this account belongs to me, having just a first name and last name with an address that never belonged to me is fraud by your company. I never consented to this car or account being open in my name. If you can not provide proof please delete from my credit report.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my Bank of America Prepaid EDD account opened with the EDD back up payments. 8 days later, an unauthorized withdrawal of {$5000.00} happened, I filed a claim and approx. 2 weeks later, the {$5000.00} was put back into my account. I requested for them to close that account and reopen a new one since this account has obviously been fraudulently hacked. This was ignored and I was reassured by the bank that there was no need to do this. I was homeless at the time and wasn't able to pick up my mail as frequent as it came. There was continuous problems with unauthorized transactions and I had to continuously change cards. Last year there was a class action lawsuit against B of A due to fraudulent actions in the EDD Prepaid accounts that is still active. I opened up 5 claims on XX/XX/XXXX with a total of {$4100.00} and I should of received a letter just acknowledging the fact of these being opened. Ive received nothing and the status is supposedly still pending. They are responsible to credit me {$4100.00} for numerous reasons, not closing this account in the beginning when {$5000.00} was fraudulently taken and open a new one, and for not performing the actions stated in our contract they would perform to protect my funds.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit Karma is reporting inaccurate information relating to amount of credit card " tradelines '' & hard inquiries from XXXX XXXX XXXX - There are 16 reported hard inquiries from XXXX & 22 hard inquiries from XXXX- They are also reporting inaccurately {$390.00} as an outstanding balance with XXXX XXXX which was for a cellphone that is in dispute with the credit card company as it is easily purchaseable for less than {$100.00} on XXXX by purchasing wholesale My rights are being trampled all over by this company & it's excuses as " it's not their problem ''