davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name XXXX XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

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 an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-22
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 (GA)

I applied for an auto loan and was denied because the vehicle is considered a commercial vehicle and I would need to apply and fill out documents for a commercial vehicle loan. The bank should not have pulled my credit report because they never attempted to process my loan. It was denied because the wrong forms were filled out. Please remove this hard inquiry from my account.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX , to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I'm POA for a friend. I have access to her Chase Checking and Savings accounts ( i.e., I can see them when I log into my Chase bank account. ) However, I can not see her Credit Card Account or Mortgage Account. Can you help with this?
Consumer complaint received 2020-10-25
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)

To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-12-08
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: SYNCHRONY FINANCIAL (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SYNCB add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, 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.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TN)

Someone who works for netspend or ace has been stealing money from me and putting money back as in if I was depositting or withdrawing money back into the account. I have filed 2 complaints with Ace about my money being took without any alerts, emails, or text messages and NOTHING has been done. If I spend my money with my card I get all of the alerts, emails, and text messages, but when someone spends my money I don't get anything that shows I spent that amount.
Consumer complaint received 2020-10-24
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: Experian Information Solutions Inc. (NJ)

I am filing this complaint because Experian, XXXX, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-06-01
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. (FL)

XXXX XXXX Unauthorized charges successful iconSubmitted XXXX   XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful icon
Consumer complaint received 2020-10-25
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: U.S. BANCORP (PA)

First I traveled on foot to 3 different ATM locations listed on US Bank Reliacard 's website, but there was no ATM at one of the locations and the other 2 support various bank networks, but not US Bank 's. I created an online account and finally was able to transfer {$6000.00} to my actual chosen bank account XXXX XXXX XXXX XXXX I have since been unable to transfer ANY amount it keeps saying the " Debit amount exceeds the maximum transfer amount '' even though I did this the exact way before. I even lowered it to 1/3 the amount just {$2000.00} and it still says the same. When I call customer service and wait for the option to speak to someone I was on hold for an hour when it hung up on me. I called twice today and as soon as you choose the option to speak with someone by pressing XXXX, it hangs up. Yes I called back and the same thing happened. I thought XXXX XXXX XXXX XXXX was bad but US Bank has to be the worst!
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I have made multiple calls into the care center trying to resolve a payment issue. On XXXX my auto payment of XXXX was made but the escrow account had been adjusted so the payment was now short by XXXX. I sent that payment in on XX/XX/20 when dealing with the mortgage company as requested and thought it was good. I have never missed a payment or had a late fee as I pay extra every month. I now pay {$1800.00} a month to cover all issues. Despite calling multiple times the issue is still not resolved and I get a late payment every month for the last 3 months and get calls from there collections agency despite paying extra every month and calling in every month.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$420.00}, {$5900.00}, {$0.00}, {$6000.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- STUDENT LOANS 4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX collection agency has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Consumer complaint received 2021-08-17
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: ALLY FINANCIAL INC. (GA)

I have a car loan with Ally financial and they have not been reporting to my credit report every 30 days I have called about this numerous times. I called Ally on XX/XX/XXXX and they stated over a recorded line that my payment statement had been sent to all 3 credit bureaus on XX/XX/XXXX and it would post in 3 to 4 business days. My car payment has not been posted to the credit reporting agencies since XX/XX/XXXX which cause inaccuracies on my credit report in which is a direct violation of the FCRA in which my car payments should be reported to all 3 credit bureaus every 30 days. Because of this it has cause a 30 day late. With XXXX  30 day late on XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX all of these dates are inaccurate and I request that these late entries be removed and my most recent payment billing statement be reported to all 3 credit bureaus.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Skrill USA, Inc. ()

Good morning, I'm a XXXX male citizen. I'm having problems with verifying my documents. I chose united States when I was that side yet I'm still having challenges. Could please me verify this account
Consumer complaint received 2018-07-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (SC)

A auto loan was established in my name by someone who stole my identity. File identity theft report through the FTC and sent documentation along with a request to remove all liability of this loan from my name. American Credit Acceptance continues to verify this account with the credit bureaus knowing that it is identity related. This is a violation of my rights as a consumer under the ID theft Victim rights.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

in XX/XX/XXXX I called Bank of America and asked if my credit card XXXX XXXX XXXX XXXX had any 0 % interest offers. I was told yes, by the agent I was talking too. I told him I only wanted a check that could be deposited into my Bank Account.for cash. 
He sent and I received check # XXXX. 0 % interest rate until XX/XX/XXXX Offer ID XXXX XXXX which must be used by XX/XX/XXXX. 

On XX/XX/XXXX I deposited into my chase personal bank account ending in XXXX the Bank of America check # XXXX for {$8000.00}. 

It was not until XXXX of XXXX that I noticed that I was not receiving the 0 % interest on the {$8000.00} as promised. I called the bank and was told that because I deposited the check for cash I was not eligible for the 0 % interest rate. Over the past 2 months I have talked to three managers. The first two said they would get back to me and never did. The third manager Ms. XXXX XXXX replied to me yesterday XX/XX/XXXX. She said she had a best offer which is reducing the current interest rate of 14.99 to an interest rate of 11.99 on the {$8000.00}. I asked if she would put it in writing and she said " no '' In summary I am very upset about this matter. I feel cheated!! 
Thank you for your attention XXXX XXXX XXXX.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (TX)

I opened an account with BB & T online, later I went into a local branch to double check my account type.

The banker sent me an email about the account, which stated that the account does not have any fee ( quote : " No monthly maintenance fee '' ).

However my account was charged a {$12.00} " monthly maintenance '' fee. I messaged BB & T on XX/XX/XXXX but BB & T never replied to my message.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  credit card was sold to XXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

The company has asked that I pay a debt for acct # XXXX  : that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of XXXX XXXX records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, Midland keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.
Consumer complaint received 2018-07-21
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. (IL)

After sending information ( XX/XX/XXXX ) to verify myself ( ie Equifax confirmation number ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX BANK XXXX never late XXXX XXXX XXXX not mine XXXX XXXX never late INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine
Consumer complaint received 2020-11-30
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: TRUIST FINANCIAL CORPORATION (SC)

OnXX/XX/XXXX, BB & T DEALER FINANCE add a hard inquiriy on my credit report per XX/XX/XXXX. 
OnXX/XX/XXXX add a hard inquiriy on my credit report perXX/XX/XXXX 
On XX/XX/XXXX - XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
To my knowledge, 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.
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Razor Capital, LLC (FL)

XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court