davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
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. (CA)

XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : Equifax I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 After recieveing another ATTEMPT TO COLLECT A DEBT LETTER dated XX/XX/2020 I called USAA Asking If the USAA Temporary Credits list as Adjustment Purchases What do Permanet Credits list as on my Statements? How will I recognize the {$4000.00} plus Temporary Credits Listed as Adjustment Purchases BE MADE PERMANET FOR THE IDENINITY THEFT ON MY ACCOUNT XXXX puts me on hold immeadetely after I waited 45 mins call is then dropped. I call back XXXX answers He is very annoyed with me calling I explain IF I WAS PROVIDED ACCESS ON LINE I would not need to call I ask WITH ADJUSTMENT PURCHASES BEING TEMPORARY USAA CREDITS What will the PERMANET USAA CREDITS list as SO I CAN FIND THEM ON MY STATEMENT XXXX answers he dies not know. I ask him to please find out He responds why You do not have an account with us. I ask Why are you harrassing me with attempts to collect? XXXX answers, I'm not trying to collect from you. XXXX 'S LAST RESPONCE YOU BETTER GET AN ATTORNEY. USAA has been sent the Ideninity Theft Report THEY ARE AWARE BUT IGNORE. USAA NEVER ANSWERS WITH ANY PROOF TEMPORARY CREDITS WERE EVER MADE PERMANET Showing on my statements as PERMANET CREDITS. USAA ALSO HAS COPY OF CRIMINAL INVESTIGATION MAIL FRAUD NO DELIVERIES MADE
Consumer complaint received 2020-02-02
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. (RI)

Transunion is in violation of the FCRA section 605B for the following reasons : In XX/XX/2019 i filed an FTC ID theft affidavit report to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my transunion report. This account was blocked for the last 8 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however transunion is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately. 
I should not have to re fight to have information that was deemed fraudulent removed from my credit report again.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of america is opening bank accounts in my name and multiple others. If its was fraud there would we some others info added but they opened account in my name with all my correct data. This is same thing XXXX XXXX did when they opened accounts to show increase liquidity. This also happened to my boss and couple others.
Consumer complaint received 2020-02-02
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: FACTUAL DATA CORP. (CA)

Factual Data has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo Bank never contacted us in reference to our banking with then. We have seen the illegal practice suit brought against them and nothing was given to us for options or financial arrangement to assist us in our lives due to their illegal use of our funds paid. We would like to discuss with them a arrangement to assist us in our mortgage of 24 years. It is in creditable to find out that the powerful get the money and the customers are screwed and get nothing. Where is our support, how are we given credit for our banking with a bank who has over charged and illegally billed over the years and we get nothing. All accounts should be credited or released of liability of payment. How can they get AWAY WITH THIS?
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a series of email on the morning of XX/XX/2023 regarding a bank account opened with Bank of America in my name. I then called bank of america and reported this to their fraud department and requested my account to be closed. BOA confirmation number that account was closed XXXX. I also reported this to the credit bureaus as well as XXXX.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (VA)

I have one Indigo credit card, issued by XXXX XXXX. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to Indigo customer service, but they said, they can not correct the error that I need to dispute it.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On the morning of XX/XX/XXXX, I woke up to a text message from Chime bank telling me that my phone number had been changed on my account and that if I hadn't authorized it to call them. That message arrived to my phone at XXXX in the morning when I was sound asleep. After I noticed that text I quickly called Chime to see what had happened while at the same time I attempted to log into my account. I was locked out of my account and had to jump through hoop after hoop to switch things back and log back in. After finally getting back in I noticed that money had been transferred between my accounts and then transferred out to different people. I filed a complaint with Chime that they said could take 45 days to complete, they denied it the next day. When I noticed that the claim had been denied I called them back and tried to figure out why because the denial said that they had emailed me the reason, an email I never received. I asked for the email to be resent and they said it would take 10 business days. They said that they would reopen it and send me a link to add pics of the text message I had received, I never got that link from the first call and it never looked like they reopened the matter. After about 2 weeks I called again because I had not received the promised email. We jumped through the same hoops only this time I did get the link to send the videos. I still have not received any email from them and the claim still does not seem to have reopened and remains denied.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX - Account # XXXX, XXXX - Account # XXXX, has violated my rights. 

-

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
Consumer complaint received 2022-06-17
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 went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-02
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: MARINER FINANCE, LLC (GA)

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : MARINER FINANCE , LLC {$8900.00} Reported balance
Consumer complaint received 2020-02-02
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. (GA)

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in  XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXX/XX/XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX XXXX XXXX XXXX {$8900.00} Reported balance
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

When I recently pulled my credit report I was made aware of an incorrect item reporting on my account. There is a collection showing and I have no knowledge of this account or to whom it belongs to. I've reached out to the company listed on the credit report but to no avail, I have not been able to get this issue rectified with them.
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I was rejected for a credit card with Citibank on XX/XX/20 the following statement : " the credit privileges on your existing accounts are currently restricted. '' As I understand the FCRA, companies are required to provide a reason for denial of credit. This so-called reason provides NO useful information as to what about my credit score or credit history caused me to be rejected, nor anything regarding what needs to be changed in order to qualify for the card. It also sounds most ominous as regards the continued use of my existing cards. I've had no prior rejections, have three cards currently active with them, each of which I auto-pay in full on time, and I've used cards from them for several decades. Up until that notice, there has been no indication of any difficulty with my accounts. 

I called Citi to seek clarification and, despite over an hour on the phone on multiple calls, received no further information, just getting ping-ponged between different customer service reps who could either tell me nothing or merely parrot the useless phrase above. I reported this problem in my response to an emailed survey from Citi, and I left a note about it in their online Chat, but I have received no response to either of those as well.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (AL)

In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to XXXX, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In June I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it XXXX points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XXXX  XXXX  and be done with this terrible nightmare. Disputes on XXXX  and Equifax lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.
Consumer complaint received 2020-02-02
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: LEXISNEXIS (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-10-18
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. (MD)

XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute.

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
Consumer complaint received 2020-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC (NV)

I previously made a complaint to your office with regards to this same issue and the vendor had responded to you and the response of the vendor was convoluted and not according to the loan contract that I signed up from them when I purchased my car. My contract stated an APR of 21.45 % and the response of the vendor was convoluted with an APR of 80.16 %. This lender must be audited with their system of calculating finance charges because their system was not calculating according to the contract. 
I am trying to get refinancing of this loan for a lower APR from 21.45 % to 15 % and the vendor was disclosing a way up payoff balance using 80.16 % APR. This 80.16 % APR was not in my contract at all.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I applied for an account with basically perfect credit with Capital One. They pulled all three credit agency reports and denied by card because of a single inquiry on one of the credit reports. I asked for a reconsideration, got the same form letter with the same explanation. 

Obviously, my credit scores have been slightly damaged by this for nothing in return. I'm not sure if I am being discriminated against for some other factor, but I have be unable to get a response from the company to identify why a single inquiry on a single credit report with XXXX scores, clean payment history, and low percentage of credit card usage is being denied. If I can't get this card, who can? Unless some other discriminating factor is at work, which I believe there almost has to be at this point. 

On XX/XX/XXXX, I spoke with a supervisor that couldn't offer me additional information on why someone XXXX with my scores and background would be declined.