davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (OH)

On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.
Consumer complaint received 2023-01-27
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I tried to delete inaccurate information from my Experian credit report but Experian refused to do that. I told them to delete incorrect name but they refused to do that. I told them that according to FCRA they should correct all inaccurate information and remove all wrong names but they insisted in doing illegal behavior and they refused to delete incorrect name. 

My correct name is following : First Name : XXXX Last Name : XXXX XXXX I do n't have middle name. My last name is a compound last name so it has two words. There is a " space '' between " XXXX '' and " XXXX ''. 

All other names and aliases should be removed including the following : XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION (TX)

unlawfully garnished the accounts XXXX institution for processing illegal, out-of-state garnishment orders against its my bank account. XXXX XXXX  unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the XXXX of XXXX of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. XXXX XXXX cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. 

I do not ingress in florida where the fake order was established.
Consumer complaint received 2020-07-11
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. (NJ)

I have some personal information on my credit report which has been mixed up with my father who is now deceased. I called but didn't get help with this matter from the representative. Enclosed is a document that displays the proper spelling of my name and address. Any other spellings are incorrect.
Consumer complaint received 2017-09-08
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. (IA)

Equifax allowed their system to be breached resulting in the loss of highly sensitive personal identification information on 143 million consumers. That is approximately 57 % of the entire 18 and older population of the USA. The information lost is a keystone on the USA financial industry and puts the consumers and the USA in significant danger. The current reaction from equifax is wholly inadequate. Who is protecting us and how will equifax be held accountable
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TX)

I recently started looking to buy a car in XX/XX/XXXX but to my surprise, I found out that once I met with the salesperson he told me that they ran my credit XXXX times overloading me with inquiries. It shows differently on all of the reports but the dates are in this range as shown below from XX/XX/XXXX through XX/XX/XXXX Had I knew this beforehand, I would probably would not have bought the car. Please help me. No one is going to give me a chance with all of these inquiries.
***XXXX*** -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- Ally Financial Inquiry from XX/XX/XXXX ***XXXX*** -- XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX Inquiry fromXX/XX/XXXX ****XXXX**** XXXX XXXX XXXX -- XX/XX/XXXXXXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

I 'm unable to open either a business and or personal account with Chase Bank and I 'm completely confused as to why. 

I 've had no record of abuse with Chase Bank and I 'm being treated unfairly and would love to be a Chase Bank Customer.
Consumer complaint received 2023-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive mailed off a certified dispute letter AND THE CREDIT REPORTING AGENCIES HAVE YET TO CORRESPOND WITH ME, IN ADDITION THEY FAILED TO NOTIFY ME WITHIN 14 DAYS THAT THEY RECIEVED MY DISPUTE.THIS IS A VIOLATION OF THE FCRA AND NEEDS TO BE CORRECTED AND THE CONSUMER LAWS UPHELD
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants reported a debt for XXXX XXXX XXXX on my credit report. Thy did not attempt to contact me for any verification of debt. Diversified Consultants reported to all 3 credit bureaus {$150.00}. This was for unreturned equipment. I contacted XXXX XXXX XXXX and my account reflects that I do not owe them {$150.00} because I returned my equipment. Had Diversified Consultants followed the law and mailed me a letter to verify the debt this could have been resolved before they placed it on my credit and caused my score to drop over 30 points. This has been an undue burden on me financially, caused by the negligence of Diversified Consultants, and I want this negative reporting removed from all 3 bureaus immediately.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I have a subscription with Equifax, I currently pay {$17.00} per month to be able to pull the score and report. I actively pull the report and score because Equifax has caused serious issues with my report. In the past I have complained because they split my report into and it was XXXX to get it back together. When I complained about the report being split they blamed me, which is bizarre since it should be them controlling their software. So now I check my score and report often. Friday went to pull my report XXXX XXXX 2017.. it showed an error message. I repeatedly called and asked them to resolve the issue. First they started to blame me and said it was my fault I pulled my score too often. Yet that is the actual product they advertise. It stated pull your credit score and report daily. You 're supposed to get a daily update, if you choose to. If that was the problem why would you advertise that? Is my firm belief that they have some serious offer issues. And that perhaps they need is serious upgrade. I 've not been offered quick resolution, nor have they agreed to reimburse me for the almost week and I 've been able to use the service. Sadly with Equifax my score changes radically and constantly. I 'm in the middle of a mortgage process and that is unacceptable. I 've done my due diligence to clean my credit report from any discrepancies and to make sure that I have good credit habits. It is my right, to have FAIR reporting. Why does Equifax seem to have such a hard time doing their job? Every customer care person I speak to you seems to have a different story as to what the problem is and why it 's happening. Last person tryied to get me to upgrade my subscription! He wanted a credit card number, really?! It already is n't working why would I pay you more. I expect it fixed quickly and I expect a refund for the time when I was in able to use the product! I 'm not expecting a lot from this complaint because in the past you have n't done a thing. hopefully you actually demand some sort of response and accountability. I 'm disappointed, because like we do n't have anyone protecting us. Unless we become litigious. Which I prefer not to do.
Consumer complaint received 2016-10-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC (ME)

This alleged account is reporting on my credit report ( s ). I am unaware of this account, and I did not receive any or telephone contact, in regards to this account. I have been residing at my current address since 2014, and I do not recall any letters being mailed.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NY)

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. 
XXXX  # XXXX, XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 by more than seven years.

15 U.S.C. 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 2017-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

Regarding the Equifax security breach : After following all instructions, I found that my wife and I were both affected by the security breach from 6 weeks ago. I proceeded to enroll in the credit monitoring service, at which time I encountered the following message : " Thank You Your enrollment date for TrustedID Premier is : XX/XX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. 

For more information visit the FAQ page. '' I have been provided credit monitoring service a couple of times from various breaches over the years but the enrollment was always instant. 

It strikes me as very disingenuous to provide free credit monitoring for a year while then placing the responsibility on me to not only remember an enrollment date but also a non obvious URL. Equifax is trying to " Do what is right for the consumer '' while at the same time ensuring they have to provide a rather expensive service to as few consumers as possible. 

An easy fix would be to gather an email address and email their effected " Customers '' when they are able to enroll. I put " Customers '' in quotes simply because I have never directly elected to do business with this company and if I had my druthers, I would not do business with them in the future.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX I submitted a notarized request to close my Kabbage business account. Asking the bank to either transfer the funds to my American Express savings account ( Kabbage belongs to American Express ) or to send a check to the address on file. 

Instead of receiving a response in writing, I received a phone call from a lady with the name " XXXX '' on XX/XX/XXXX confirming that Kabbage received my notarized request. XXXX stated that Kabbage still would not close my account or provide access to my funds.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I called in to XXXX to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to Equifax, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 

XXXX weeks go by and I received notice that the account was past due. I called XXXX to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. 

Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. 

I called to XXXX again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. 

Fast forward to this past weekend and I receive another notice of collections from XXXX for {$60.00} and now I received notice from XXXX XXXX and Equifax that my scores have dropped by over XXXX points. XXXX is reporting the account delinquent and my credit is adversely being effected. XXXX is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of XXXX ineptitude and unwillingness to correct their errors. 

Please help!
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (CA)

Identity theft report filed. Investigation requested. XXXX Investigations by Equifax completed. 
All XXXX recent investigations state XXXX inquiries should be removed. They have not been to this date, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IA)

I have/had a Visa account with Barclays Bank Delaware since 2009. I have met all of my obligations and have had paid their ridiculous interest rates without complaint. Last fall and this spring they notified me that my account was switching over to a MasterCard account. I did not, nor do I want that to happen. I have business accounts that only take Visa and this is the only Visa account that I have. 
I called Barclays customer service line and explained my issue to several different people. The last being a " manager '' named XXXX  I asked to have my newly switched MasterCard account reverted back to Visa and they said they could not do that due to some cancellation of an agreement with XXXX, XXXX. Furthermore, if I wanted to pursue " opening '' a Visa account I would have to apply for it. 
My position is - I already have an account with them through Visa. Applying for a new one would affect my credit score. XXXX  agreed with me saying it wasn't fair, but still couldn't do anything about it. 
How is a worldwide bank able to switch affiliations with creditors and require that their customers re-apply for credit even though they currently have an open account? They are compounding personal credit issues, which are already beyond comprehension in this country, because of some " agreement '' they have with certain creditors. Seems unfair that I, and I'm guessing several thousands of Americans, are being treated this way and all we can do is take our credit score down by " applying '' for something we already have. The only option that I had was to close the account .... 
XXXX Bless the American Dream! But only if you're an international bank who can XXXX on those dreams of everyday Americans!
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Around XX/XX/XXXX I began receiving authorization codes from my bank on my mobile phone. I would text back the answer to the questions they were requesting I answer. After the third time this happened I called the banks mobile website department in an effort to find out why this continued to happen. There was never a response to my request of questions. Then in XX/XX/XXXX I noticed unauthorized charges on my mobile app that I did not approve, including everything from ATM fees to balance inquiries, to ATM withdrawals of hundreds of dollars ( {$490.00} ) at last count. I filed a claim immediately and the account was closed on XX/XX/XXXX. When the money was transferred from the old account several hundred dollars was not transferred and was left in a closed account that I could not access. I called to check status of claim in order to gain as much information on the charges I could in an effort to investigate on my own to verify what and why this issue was happening. The charges on the statement were listed as ( XXXX # XXXX??? Withdrawal XXXX XXXX ) and when I did an internet search on this info I received only hundreds of fraud related, scam websites. I contacted the bank after I received a letter that the claim was denied. I then asked to be provided the information and records of the steps taken to investigate the problem and where the. Merchant was located, what type of charge it was were they all from the same area and were they related to the unknown authorization codes I had been receiving? Three requests were made on three different calls and still never received any info I had asked for related to my claim denial. I asked for an extension on the claim timeline in order to give me time to receive the paperwork and have time to research the evidence given from their side. I have no other avenues to pursue as to my knowledge and would like advice on how to proceed whether it be legally or intellectually discussions. The latter seems fruitless. I am against a time restraint and need immediate help as my money is still in the closed account, the account is listed as being in the negative {$880000.00}. Thats correct XXXX XXXX and XXXX XXXX XXXX dollars which has been getting emails sent to me from credit agencies about the negative impact this is having on my credit. Why will they not just provide my request for info? Isnt it required thru regulations E of the Electronic Transfer Act? I will be glad to provide screenshots showing above info, however at this time I need to insure all personal info has been deleted from shots before uploading. Thank you in advance. Not you Bank of America!