davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a CARE 's act third stimulus federal payment in XXXX. Capital notified me that they would debit {$83.00} out of my account as part of the payment. I never agreed or had the option to contest this payment to the bank either verbally or in writing. Also, I signed nothing within the initial contract when I opened the checking account, allowing the bank to draft the {$83.00} without my consent. On XX/XX/XXXX, the money was drawn out of the account, overdrawing my account and the bank collecting potentially {$37.00} 's on each overdraft fee. When I called their customer service, they claimed that they would not work with me regarding another option or provide a temporary credit to my account to bring it back into the positive and stated that I could file an internal complaint which would take 30 days for the bank to respond to from there management.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (FL)

On XX/XX/XXXX an amount of $XXXX was sent to my Direct Express debit card.
On XX/XX/XXXX an amount of $XXXX was used and on XX/XX/XXXX I checked my balance  and my balance  was only $XXXX.
 I have been trying to make contact via telephone to have the relevant state agency to cancel and replace my card immediately  but have been placed on hold and subsequently  disconnected.
Looking forward for your kind assistance.
Consumer complaint received 2023-01-18
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. (MD)

In accordance with the Fair Credit Reporting act 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 2022-04-27
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. (CA)

Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

( The following is my written complaint to Honda Financial Services ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  Complaint Department Honda Financial Services XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to dispute the following information in my file. Your agency claimed that I missed a payment this spring, I made up the payment the very next month paying {$500.00} dollars and the subsequent month paying XXXX. Adding both months together this comes out to XXXX and surpases the XXXX payment missed the month prior. You have overcharged me XXXX. Your agency also turned me into the Credit Bureau and lowered my credit score. 

My next dispute, I cancelled my XXXX XXXX and I was told only XXXX was be returned. Neither was it applied to the month of XX/XX/XXXX where is should have for XXXX but neither was it returned to me. However, instead when I called your agency I was told it was kept as a security deposit. I asked why two years into my lease was I now being charged with a security deposit? After waiting 15 minutes, the representative told me it was in case damages where found on the car when it is returned. 

I said I would buy the car, then the representative said I wouldnt qualify to refinance the car. At the time, I didnt know why. I went to the Honda dealership and my payoff had increased from XXXX to {$17000.00}. If I made all my payments and promptly made-up the missed payment how does the car payoff go up? 

Needless to say, I was upset. The Honda salesperson followed me out and told me they were sorry and that Honda Financial Services turned me into the credit bureau, they felt that I deserved to know why my credit rating had dropped! 

( Image of the transaction history ) My payments are up to date. Ive always had good intentions towards my payments, one time  making a XXXX payment paying off 6 months. Below is a screenshot of the transaction history for the month, after I missed the payment it supports that I rectified the situation immediately. Please investigate this matter and delete the claim to the credit bureau as soon as possible. 

Regards, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- End of Letter to Honda Financial Services -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dates : provided on attached documents Honda Financial Services is NOT allowing me to log on or I'd provide the most recent itemized list of the last 6 months so that it can be documents the fee 's went up for {$7.00} to {$12.00}, I assume for handling my account? There are no specifics provided.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i recently received a copy of my transunion credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and Transunion gave credit card companies access. these hard inquires seem to be fraudulent.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (PA)

I have a business credit card with PNC BANK with a high interest rate and cash back rewards. I earned {$180.00} in rewards by using the card and making the payments on time. I tried to transfer the cash reward into my business banking account that I have with PNC BANK and there AGAIN was an error with their online banking not surprised that the cash rewards was NOT TRANSFERRED to my business account and after trying to make a payment via mobile app transfer several times I get a {$39.00} late fee. XXXX XXXX  business practices with this bank. I will never recommend PNC BANK to anyone for business.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit Management is stat ing I owe on a  XXXX   XXXX  Bank account in which I have not had. This account was fraudulently opened by someone other that myself. I have had issues in the past of identity theft and ask that since this debt is not mine that it be removed from the credit reporting agencies ASAP
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  XXXX XXXX XXXX account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-06
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. (NC)

In accordance with the fair credit reporting act XXXX XXXX  acct XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, XXXX XXXX XXXX XXXX XXXX IRS Identity theft report, XXXX XXXX XXXX XXXX Report, XXXX Police Report and EXPERIAN REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to XXXX XXXX XXXX # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY ()

On the XX/XX/2020 a XXXX Bank transfer was made from my Bank in XXXX of the amount of XXXX euros to a TD Bank XXXX XXXX DE XXXX XXXX. 
This initially i was led to believe was part payment to be made to the XXXX XXXX Department for the purchase of XXXX in XXXX. 
Despite several email attempts and numerous phone calls, i am unable to get them to respond. 
Those that arranged this Bank to accept this transfer and to whom was the money eventually sent to should be investigated as this strongly suggests fraud.
Consumer complaint received 2020-11-04
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. (NV)

I disputed items with XXXX  and Experian on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed from my credit report.
Consumer complaint received 2021-02-11
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: CITIBANK, N.A. (PA)

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. MACYS/DSNB {$1100.00} XXXX XXXX XXXX {$820.00}
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (CA)

JPMCB Card Services violated 6 of my federally protected consumer rights in the collection of debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e ( 11 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof, explaining each violation.
Consumer complaint received 2021-05-06
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: Sequium Asset Solutions, LLC (TX)

On XX/XX/2021 I paid the collection agency Sequium Assets for an account with a balance of {$710.00}, open date XX/XX/2021 and the original creditor being XXXX XXXX This account was since updated and closed on my credit report. On today XX/XX/2021 this same information was ILLEGALLY REINSERTED onto my credit report with that same balance and same date only difference is its a new agency called Focus Receivables Management. This was done without my knowledge or consent and without any prior notification. This is AGAINST THE LAW and NOT IN COMPLIANCE with the rules and regulations set forth by the FCRA. This derogatory information needs to be REMOVED from my credit report IMMEDIATELY or I will be forced to take legal action.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (PA)

In XXXX, I received a letter from Synchrony Bank asking me to sign a paper that would give them consent to access my information with the Social Security Adminstration for 90 days. They stated that failure to grant them this permission within 30 days from the date of the latter would result in the closing of my JC Penny, XXXX and PayPal accounts. I feel this is seriously crossing a privacy line to request this level of personal information access. There are no payment problems with these accounts. I make payments bi-weekly.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the XXXX XXXX 'XXXX  ' XXXX does ...
Consumer complaint received 2019-08-15
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. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Recoveries, Inc. (AZ)

Started to call : XXXX Started with an attorney XXXX/XXXX/XXXX Presented an possible option XXXX/XXXX/XXXX Submit required info : XXXX/XXXX/XXXX Sent Paystubs and ID for 3x XXXX/XXXX/XXXX Did not receive any communication by mail or phone until after my lawyer got involved. I also tried to email 2 different emails given to me by National recoveries ( after my lawyer was involved and they bounced back. ) This complaint is with XXXX XXXX XXXX, who has taken over my student loan. My loan was {$49000.00} after consolidation and this company added 13,000 to my balance. I tried to call the company 6 times and was transferred multiple times and then put on hold for 30 minutes to an 2 hours each call. No one would answer the call. I could never even get a voicemail. After multiple phone calls and hours on hold but could never get a person to handle my call. Shortly after they served a garnishment to my company. Now I was forced to hire an attorney to just simply try to set up payments. Per the federal government I am intitled to a rehabilitation program, but they will not allow me to initiate one even with an attorney involved. They will not even send me or my counsel a breakdown of the loans and the additional XXXX in fees added to my loan. Do they even own my loan?!!! They said they over nighted a packet twice now and I never received it. Then they stated my loans were in my maiden name and I had to proof my current last name. I provided ID and multiple other forms along 4 paycheck stubs. 3 times, directly off of my computer and the ID was enlarged. They stated they were not ledgable, so we sent them again making sure they were crystal clear and were told they were out for review. WHY would they need me to prove my identity when they have enough info to show who I am, as they are garnishing my wages through my employer. Now they will not even answer my attorneys calls and if I call from a different number and speak to a manager, when I disclose who i am, they say I am not allowed any information because I have an attorney. I am now being garnished on the 5th paycheck ( 4x higher than any payment ) and can not get resolution. I calleded the Student.ed.gov and prior student loan servicer and was told they can not do anything, This is taking a hit on me financially and killing my credit. I am now also not eledgible to help my daughter obtain student loans, so i am forced to pay out of pocket for her college. I am not trying to run from my loans, I am just trying to get into the rehab program. I am legally intitled to a rehab program after 9 payments BUT the XXXX that has already been garnished far surpasses the 9 payment option, that i should have been given 4 months ago. I need help in stopping the garnishment and getting put onto the rehab, which is my legal right ASAP. I am now also forced to keep paying an attorney to try to at least have a little help in the matter and that is not even helping.
Consumer complaint received 2022-04-27
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. (TN)

VIEWING MY CONSUMER REPORT AND NOTICE INFORMATION LISTED THAT I NEVER GAVE WRITTEN AUTHORIZATION TO REPORT WITH IS A VIOLATION OF 604 ( a ) ( 2 ) THESE ACCOUNTS LISTED HAS SET MY LIFE BACK AS I HAVE NOT BEEN APPROVED FOR ANY BANK PRODUCT OR SERVICE.
Consumer complaint received 2021-05-06
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. (VA)

My son and I share the same name, XXXX XXXX. On XX/XX/XXXX of 2020 his XXXX  Bill XXXX cable ) acct # XXXX at address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX went into collections for approx {$290.00} in past due charges. This collection amount was erroneously reported on my credit report. I have disputed with equifax and the investigation was not resolved, I have contacted XXXX  on numerous occasions, we have been able to verify the account was opened under my sons SSN and that my account balance is XXXX  for my services but XXXX  and the debt collection company have not removed the account from my credit report.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc. (NJ)

On XX/XX/2020, I applied for a credit card in XXXX 's XXXX. The sales rep incorrectly inputed my social security number, which caused me be declined for the credit card due to myself being " deceased '' ; therefore creating an unnecessary and incorrect hard inquiry onto my credit report.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, 2017 There were two ATM transactions that were not authorized on my checking account for the amount totalling {$600.00} by someone other than myself. These transactions caused my Checking account to be overdrawn and I was charged {$70.00} in fees. The problem that I am having with this is the simple fact that at the time of the two ATM transactions I only had {$57.00} in my Checking account. The question that I posed to the Bank ( bank of America ) is why did they allow the atm transaction to take place. I did not have enough to cover a {$600.00} transaction let alone 2 transactions. I filed a claim with Bank of America immediately. They initially credited my account along with the overdraft fee while they investigated the claim. After their investigation, to my confusion, they determined that the withdrawal posted correctly. This, in fact, is why I am reaching out to your agency to get help in preventing them from reversing the claim on my account and making others aware of this type of unfair business banking practice especially to an elderly man like myself who lives on a fixed income. I can not afford this! Please Help!
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX XXXX acct XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions