davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

I consumer XXXX XXXX have sent three Cease and Desist to ALLY FINANCIAL to stop ally communication on any and ally mediums about an alleged debt that is not owed and has already been paid. ALLY FINANCIAL continues to violate my federally protected consumer rights under the provisions of 15 USC 1692c ( c ). ALLY FINANCIAL has received my cease and desist by certified mail & return green slip on dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. ALLY FINANCIAL has not rebutted my three AFFIDAVITS OF TRUTH, statement of facts. ALLY FINANCIAL states that federal law governing them as a debt collector under 15 USC 1692 doesn't apply to them. On 07/13/2015 I entered into a consumer credit transaction extending my credit to ALLY FINANCIAL. This consumer credit transaction involved a finance charge in which is the SUM of all charges under 15 USC 1605. I consumer XXXX XXXX also put a cash down payment of {$4000.00} involving a credit transaction which is against my federally protected rights. The finance charged paid for the entire transaction. ALLY FINANCIAL committed fraud by taking monthly payments on an alleged debt that was already paid for through a credit transaction under 15 USC 1602. 

ALLY FINANCIAL has been using abusive tactics in order to collect a debt. ALLY FINANCIAL has threatened to illegally seize my property, something already paid for which is theft and is illegal under the Fair Debt Collection Practices Act. ALLY FINANCIAL is sending me threatening letters to seize my property and to continue damages my reputation as the consumer by reporting false and inaccurate information to the credit reporting agencies without my permission. I have reported these acts to the ATTORNEY GENERALS OFFICE. The harassment from ALLY FINANCIAL is causing me mental anguish, stress, and financial hardship. This alleged debt was already paid, I do not owe this debt.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CA)

TJMaxx Is refusing to give me a card with my middle initial or middle name. They are doing this because XXXX city and authorities leaked my inforamtion without my middle name. I believe they are letting people use my information without my middle name and it is affecting my credit and I am contantly having to prove my identity and proof of payment with the same name. I am not attempting to help people use my information. Please help use the right information. I do not want to use the wrong information on my card and I do not want to help others use the wrong informaion by providing an a accoint with you for others to use in XXXX. I do not live or have a coonection to XXXX, I moved from there in XXXX of 2018 please do not allow any one in XXXX to use my information.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VALLEY NATIONAL BANCORP (NJ)

I am the victim of an altered check deposited with XXXX XXXX XXXX and drawn on Valley Bank. I am seeking reimbursement in the amount of {$9200.00}. On XX/XX/2022 I wrote a check payable to XXXX XXXX XXXXXXXX in the amount of {$6200.00}. The check was drawn my checking account with Valley Bank. The duplicate check, indicating the payee was XXXX XXXX XXXXXXXX and the amount was {$6200.00}, is attached. The check was mailed to XXXX XXXX  XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted Valley and completed the attached Affidavit of Unauthorized Activity ( attached ). On XX/XX/2022 Valley, having learned that the altered check was deposited into a XXXX XXXX XXXX  account, requested reimbursement ( attached ). The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank XXXX XXXX is strictly liable for conversion of this stolen and forged check. As payee bank, Valley Bank is liable for an unauthorized charge to my checking account. I have requested reimbursement from XXXX XXXXXXXX XXXX and Valley Bank but they refuse to reimburse me.
Consumer complaint received 2017-08-22
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. (PA)

Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Massive data breach involving consumers personal credit information by Equifax!! Ridiculous and this needs to be addressed and a reckoning. I am dumbfounded how my personal information could be compromised by a large credit reporting agency and expect something to be done about this.
Consumer complaint received 2017-09-10
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: U.S. BANCORP (PA)

Hello Sir/Madam, I had a new inquiry credit report on US bank and XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

Thanks, XXXX XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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: Affirm Holdings, Inc (NC)

I contacted XXXX to report that Affirm loan was paid in full back on XX/XX/2022. XXXX supposedly contacted Affirm that said the account balance was correct and the loan was not paid off. I received a letter from XXXX stating this on XX/XX/2022 ( See Attached ). I have also attached documentation that the Affirm loan is paid in full ( See Attached ). I'm not sure if XXXX really looked into this dispute, since if they did, then why would Affirm state that this loan had a balance because according to their own computer information this loan was paid in full on XX/XX/2022. Please see attached documentation.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against Experian, XXXX and XXXX.
Consumer complaint received 2021-09-06
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. (NY)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2017-08-22
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: CITIBANK, N.A. (FL)

On purchasing online through the Costco website there are multiple advertisements touting the benefits and extended warranty when purchasing using the Citi card. There are multiple enticements to apply immediately and no mention of not being able to utilize the card after being immediately approved. When I called in and spoke to XXXX I am told I will have to go to Costco to use my approval. When I asked for a solution to my problem of purchasing and completing the application online and not XXXX 's fictional issue of me being in the store she had none. I demanded she immediately close the account, which she refused. I was not able to use any of the benefits during the checkout process with nothing addressing this in the terms and conditions.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Incidence Date : XX/XX/XXXX Company : Express credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : XXXX request for reversal of XXXX payment Made via mobile app. ( Overpayment account is now in negative XXXX ) Called again XXXX for refund Called XX/XX/XXXX for refund that has still not been received no help with representatives *I also tried through XXXX bank but was unsuccessful
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Equifax has mishandled my information, did n't notify me, and now has cost me several hours, some money ( to freeze my credit with three bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I transferred {$60000.00} to Coinbase via same day wire transfer from my XXXX XXXX XXXX business account ( XXXX XXXX XXXX ; account # XXXX ) on XX/XX/2017 very early in the morning.
My bank approved the wire and it went through.
I received an email from Coinbase later after midnight central time stating that my wire transfer has been reversed to my bank due to a name mismatch. My bank account name did not match with my Coinbase account because the wire transfer was made from my business account.
The email from Coinbase states I should receive my funds bank in one business day.
I have not received my fund at this moment. I have tried to contact them but no success. They have no phone number to call, no chat service with humans, but only emails which they have not replied to since Wednesday.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2017-08-22
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. (NJ)

Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Statement : I have got no receipt for that purchase, XX/XX/XXXX I was requesting to cancel the trial/service with with XXXX XXXX XXXX As well cancelling capital one virtual card I have used for charge protection offered by Capital one. I have called Capital one on XX/XX/XXXX and complaint about the charges, rep told me not to worry these amounts will be credit back and I never heard anything back till I found out I got charged again same amounts on XXXX. I have called 3 times talking to different reps and a manager on XX/XX/XXXX and I got promised again that full refunds of {$1700.00} will be issued again. Since then Im just getting letters my disputes were rejected because of bank errors. 

I need help dispute the following charges : Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022 Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022 Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I applied for the XXXX Chase card, I received a declination stating it was due to too many inquires, which multiple were in fact fraudulent inquires. I expressed my concern with XXXX XXXX to submitting my application. On XX/XX/2021 around XXXX I reached out to the reconsideration line and spoke with XXXX, who did not even probe my reasoning for requesting credit, neither accessing the fact that I have multiple accounts with you all and one being an auto loan that has never been late and in fact is paid consistently XXXX to XXXX  days prior to the schedule due date. He stated he would have to decline my application due to the XXXX XXXX account balance that has been closed with a {$350.00} on {$500.00} limit, although I did advise him that the balance was incorrect due to unauthorized transactions and currently being investigated and he couldn't forgive the inquiries because they weren't marked fraudulent, although he had to call me to verify my application for fraud. HE then advised me to contact XXXX regarding such. I deem this unfair due to the reason that I have exhibited exemplary behavior as a customer with regards to the products you all have issued me and the accounts on my credit report displays the same behavior in payment. Even more so when it comes to the XXXX credit card with the {$350.00} balance that has never been late and I've paid directly from my chase checking account and often times the full balance was paid and my bank statements will show that.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (PA)

XXXX, XXXX and Experian Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.
Consumer complaint received 2020-07-11
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. (MO)

I have tried several times to dispute accounts with the 3 credit  bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX  XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( XXXX  Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( Equifax only ) Rise- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( XXXX  and XXXX  ) - Sent to collections XXXX . I  have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX 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 602 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

Reviewing my credit report I observe that I have several inquiries in my report which I do not recognize or have I authorized to make, so I kindly request that they be removed from my credit report. 

XXXX XXXX CBNA CBNA, XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2023 CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX