davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
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. (CA)

This company continues to pull my credit report causing a hard inquiry on my report and dropping my scores I do not have this account and this account is not on my credit report but for the past 2 years Ive been having to dispute this company pulling my credit and when Experian removes it the company pulls it again.
Consumer complaint received 2019-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2019, a Bank of America teller handed over almost {$3800.00} to a person impersonating me with a stolen drivers license. The criminal did not have my SSN or bank account number which is required by their procedures to access my account, however, they were still was able to take the money. The large amount to be withdrawn, and the out of state license should have heightened their scrutiny. Bank of America is not taking responsible of the fraud. 

Bank of America first denied claim with excuse the signatures matched. The stolen license has my signature on it, so it would be easy to defraud. It still does not comply with the addition information required to access my account. 

I disputed this resolution, and the second review came back with the excuse that I gave third party permission to my account. This is beyond ridiculous. 

The teller did not validate and follow appropriate security procedure to keep my account secure. My monies were note protected by Bank of America. 
My expectations are for Bank of America to approve this fraud case, reimburse the {$3800.00},
Consumer complaint received 2023-02-27
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. (TX)

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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 an 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 2022-05-02
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2020-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I went to a clinic when I was XXXX to have a XXXX. My dad went with me and when he asked the receptionist what it cost, he was told {$20.00}, which he paid. A few months later my step mom, who was not there at the time, starting getting letters saying she owed {$140.00} for this XXXX  ; she was never there and never signed, so she responded to them repeatedly and then they started sending me letters saying I owed it. At the time I was still XXXX and told them that they could not place this debt on me, and that I was with my dad when he was told it was only {$30.00}. And all he signed was a receipt. These people will not stop harassing me and telling me I have to pay or they will put a judgement against me ; I am still in XXXX XXXX. I just turned XXXX One month after this XXXX. They keep sending me threating letters and I keep disputing it and they leave me alone for a few months and then they start all over again.
Consumer complaint received 2019-09-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian credit reports has my name on there as XXXX XXXX XXXX. My name has never been XXXX XXXX XXXX. Please remove this from my credit. Thank you kindly
Consumer complaint received 2018-03-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}. 

I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response. 

The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

I have biweekly payments on an installment loan that is same as price if paid within three months. I made an extra payment toward the principal loan and so they stopped my agreement and started charging me 158 % interest on the loan immediately and before that were already charging me astronomical interest charges that were not in the agreement.
Consumer complaint received 2018-10-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NC)

In 2000, I graduated from college with several student loans. As I was looking for a career, I read that if I work as a XXXX in a high poverty, high risk/XXXX XXXX XXXX, I could get partial forgiveness. I worked as a XXXX  for 5 years in a high poverty/high risk, XXXX XXXX XXXX. I filled out the paperwork and had my XXXX sign it. After submitting the application I was declined. When I called to inquire why I was declined, I was given the following explanation. I was declined because I had loans before 2000. I was only eligible for the loans in 2000, therefore they wouldn't grant a partial repayment.

This was not mentioned in any of the paperwork, not even the fine print. The fine print said " I had to be fully employed, at a XXXX XXXX, Spend 90 % of my time with XXXX, at a XXXX that was XXXX XXXX '' Never did it mention that my loans had to be after 2000 to be eligible.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Monarch Recovery Holdings, Inc. (MD)

Never given amounts, refused to send verifying documentation of amount owed and to whom it was owed, multiple calls, called XXXX XXXX family members claiming to be lawyers or police and that if they didnt pay the amount owed ( again never reveling amount ) theyd take legal action for bank fraud, my husband owes no debts, we just purchased a home and paid off all our debts so. I do not like when these companies harass people and lie to get debts that were already settled ( they pay for the amount not settled and I really wish the government would change that option to not be allowed )
Consumer complaint received 2022-05-02
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. (AL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected rights to privacy and confidentiality under USC1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 u.s.C section 604 A section 2 : states consumer reporting agency can not furnish a account without my written instructions. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information.The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX XXXX XXXX XXXX XXXX : XXXX Date purchased : XX/XX/XXXX To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 
This is not a refusal to pay, but a notice that this account is disputed. 
Any contact needs to be made in writing, you or your representatives do not have my permission to contact me or my family members via telephone, text or email or any form of social media. 
Per North Carolina State Law, this debt has passed the statute of limitations. With that being said, I can not be sued by you per North Carolina Statute. 
This vehicle was voluntarily surrendered in XX/XX/XXXX in XXXX, NC ) and resold on or about XX/XX/XXXX. 
I am offering a settlement offer to satisfy this account in the amount of {$1000.00}. Upon receipt of this payment in the form of cashiers check or money order, please mark this account paid in full. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I was in agreement for a product for a XXXX  company I work for. The merchant didnt provide the agreed product but indicated fees associated. After sending the fees and funds, I asked for my money back. The individual mentioned it was all a scam and money was sent to other using emails and account information. I attempted to reach out to Chase to support in retrieving information on the recipients for a pending lawsuit or to retrieve the money back. 

On XX/XX/XXXX two scam transactions occurred, one for {$800.00} and another for {$1200.00}. XX/XX/XXXX : one for {$1200.00} abs another for {$1000.00} occurred. 
XX/XX/XXXX : Two transactions one for {$2000.00} and another for {$1000.00}. As well as another for {$1000.00} occurred. Ive reached out to me bank to inform them of the fake business and transactions that occurred. I attempted to open a case and Chase denied it. I mentioned proof that another vendor, XXXX, confirmed this business was a fake business. In addition to hiring a private investigator. Yet, they denied it.
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

For at least 10 years I have been hounded about money owed on a XXXX account. I never opened a XXXX account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.
Consumer complaint received 2018-03-12
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. (FL)

I contacted Equifax because my credit report was showing foreclosure that has been on there for 5 years and I did in " Lieu of Deed '' to avoid bankruptcy of a 2nd home bought for my sons. I contacted Equifax because this should have been on my credit report as in Lieu of Deed. After disputing this, they then drop my score by 20 points because of this investigation. I tried to talking to people with Equifax and can only talk to Foreigners that I could barely understand and they could not understand me and didn't care. I have called several times and still could not talk to one American person that I could actually explain my problem to. They don't care!!!!! 

This is unfair. I pay my bills as required and that is stated on my credit report and now my credit score drops 20 points because of a dispute. I need to know who can help me and that can actually understand me and that I can understand as well. I need help now.
Consumer complaint received 2022-01-19
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. (AL)

I have written XXXX, Equifax, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Once again Wells Fargo has allowed a scheduled payment that would overdraw my account show they can charge me an overdraft fee. This is a yearly payment that had slipped my mind. I have asked them not to allow such payments but to decline them. I tried to contact the bank about this matter but was told by the automated system the wait time was 2 hours. Wells Fargo does publish an email to send to complaints to. This is the second time I have had to file complaint about this issue.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

I purchased a used XXXX XXXX. I paid {$500.00} to hold/reserve the vehicle and {$1500.00} down payment the day I purchased the vehicle. This is a total of {$2000.00} down payment on the vehicle. I have both receipts of the down payment that clearly states the money I paid was a down payment. The contract is invalid as it is inaccurate and writes " N/A '' in the downpayment category. The {$1500.00} and {$500.00} I paid as down payment are not reflected in the total vehicle price and were not subtracted therefore the loan price and monthly payments I have been told to pay are inaccurate. It is illegal to steal my money that was a down payment for a vehicle. It is illegal to write the wrong price on a contract. It is illegal to omit writing the down payment on the contract. This contract is inaccurate and illegal with the wrong information listed. I DID make a downpayment and the contract should have included this and taken this dollar amount from the total price of the vehicle. I have been charged a downpayment and no adjustment was made to the vehicle price, this is illegal practice. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (FL)

Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX decreased my credit limit, and significantly increased my interest rate, based on incorrect information obtained from TransUnion. This resulted in it being impossible for me to meet the minimum monthly payment due. I tried to contact TransUnion to determine the source of this incorrect information and was unable to reach anyone. I tried multiple times and was unable to reach any live person. As a result, this credit agency is impacting my financial status and I am unable to reach anyone to have it corrected. This seems like a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-31
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. (PA)

Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( XXXX, TransUnion, and XXXX ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from XXXX and TransUnion asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.