davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
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. (GA)

I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.
Consumer complaint received 2021-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

AD ASTRA RECOVERY SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the about of {$510.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

I received a letter from XXXX XXXX on XX/XX/2018 stating that the firm was retained by the above referenced creditor and no attorney has evaluated my file, the validity of the account, or personally reviewed the circumstances of my account and as such is acting solely as a debt collector and not in any legal capacity in sending this letter.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Unfortunately, my house sustained damage during 2017 hurricane season. After seeing the advertisement on TV for mortgage payment deferred program I immediately called Wells Fargo to have my mortgage placed in a forbearance period. I was told I would not have to make payments for three months and payments would be moved to the end of my mortgage. As the three months approached I received harassing phone calls and threatening letters to make payment, if not, I would face collection or worse foreclosure. 

Wells Fargo did not follow the law. 

I am a hard working individual and I must say, I was treated unfairly.
Consumer complaint received 2020-06-03
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-11-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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, US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, 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 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have been denied by ChexSystems multiple times in the last 2 years as I have tried to establish a bank account in my new state. I have never had this problem with any effort to establish a new bank account before. I have fine credit ratings and no red flags. The reason given is that my SS number was available for issuance before my birth date. However, the SS agency can only verify my SS status by providing evidence through my SS card. I went through the trouble of getting a new Social Security card to prove that my SS # has no problems, but there is no medium through which I can submit this to ChexSystems to dispute the denial. 

I have never had a problem with establishing new bank accounts or financial institutions in any way before - ChexSystems has incorrect information and internal errors ( obviously not based on any concerns at the SS office or any previous bank ) that have cost me many many hours of my time trying to rectify this information. 

ChexSystems has no customer service options - no person to talk to through their phone number, no chat, and no email to write. Fax is completely insufficient in this day and age. 

ChexSystems has also established some sort of monopoly with all banks, and so I have no options to avoid their erroneous information and claims by pursuing another service provider.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received a notification that there was an inquiry from Capital One on my credit report on XX/XX/XXXX. I called Capital One at XXXX XXXX on XX/XX/XXXX. They confirmed an account was opened with all of my information. They said they filed something with their fraud department and the account would be closed. They said Id receive a letter noting the account was closed and that it would be removed from my credit report within 90 days. I received the card in the mail on XX/XX/XXXX. I called back in on XX/XX/XXXX and the system recognized my account. I went to a supervisor in the fraud area who told me the account wasnt closed on his end and apparently there are multiple systems. I asked for more information like how they applied ( phone or internet or an employee of theirs ) and he said they dont have that. Of course they have that! He was unwilling to provide any information and both people I talked brushed this off like it was nothing. It is something to me! My identity has been stolen! It came across as if it happens all the time and its nothing. The fraud supervisor said there is no way to catch this until the consumer calls in saying it was fraud. Im a XXXX XXXX by trade, and thats ridiculous. There are fraud tools that detect fraudulent emails amongst many other things. There is verification they can do with the credit bureau as far as comparing length of address and employment. There are red flag procedures they should have. When I brought up these things, the supervisor just repeated himself over and over and talked to me like I was clueless. It doesnt appear they are protecting anyone and it appears all that matters is the new card to them at the end of the day.
Consumer complaint received 2018-03-09
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)

My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Why did they close my account after they took my sons ssi check.. I need help and a voice Im not educated on this matter please help. I need a place to live. Please help me.. thank you XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (NJ)

Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. -SENEX SERVICES
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.
Consumer complaint received 2022-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used a B of A XXXX  card to pay for a spa cover on XX/XX/2022 from XXXX XXXXXXXX for {$350.00}. They delayed shipping, after numerous calls and emails, they have failed to send me anything. I asked for a total refund. they said they would send my refund in XXXX. I have not heard anything, and i dont expect to. I contacted Bank of America XXXX, and they are saying the date was beyond 2 months ago. 
Well, there was no way i would know how long this would be.
Consumer complaint received 2018-10-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX
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 — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Hello there! I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. This is my 3rd time asking you to correct this information. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.
Consumer complaint received 2020-12-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and TransUnion have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.
Consumer complaint received 2018-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2019, I submitted a claim for {$200.00} to get my money back. On XX/XX/2019, I went to the XXXX XXXX XXXX and tried to take out {$200.00} and was charged XXXX to use their ATM. I did not receive any money but the money was taken anyway. I had reached my limit on withdrawals and Bank of America 's system stated that the withdrawal had been denied. I called the next day to confirm with bank of America 's phone system and the system confirmed that the transaction had been denied. While the claim was going on, I called bank of America to let them know that their system had confirmed that the transaction was denied but they said they still have to do the investigation since the ATM was not theirs. I figured I would be ok since it was in their system. 

I just received a notice on XX/XX/2019, that the claim was not going to be paid back. Bank of America gave no reason and clearly their own system even stated that the transaction had been denied. I am filing a complaint because I did not receive any money from that ATM and Bank of America has a record of that transaction being denied. I am due back {$200.00}. This has made my account run a negative {$200.00}.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NC)

On XX/XX/XXXX, I visited XXXX XXXX of XXXX XXXX, VA. I was softly in the market for a new car. I found a vehicle I was interested in, and a salesman pressured me into seeing if I could get approved for financing. I live on a fixed, SSI XXXX income so I was concerned about over-extending myself. They got me approved for financing, but I was still skeptical due to the high monthly payments. It was a Saturday, so the salesmen told me I could take the care home and see how I liked it. By Sunday morning, I knew this was something that I didn't want to do. First thing Monday morning ( the XXXX ), I returned the vehicle to XXXX XXXX. The manager and salesmen were very angry with me, and told me I had to take the car. I told them that I had the right of rescission, and was well within my rights to return the vehicle and change my mind. After all, because it was the weekend, the paperwork had not even been sent to the finance company yet. I left the vehicle at the dealership in their possession. I assumed the issue was resolved at that point. Over the next several days, I was overwhelmed with phone calls from reps at XXXX XXXX   saying that I had to come back to the dealership and pick up the car. I held steadfast, and told them that I had changed my mind, and did not want it. I had returned the car to the dealership within 36 hours and was well within my rights to do so. Again, I believe the issue to be resolved. To my surprise, the dealership actually delivered their car to my house on XX/XX/XXXX. I called the sheriff 's office about this, and asked them what I should do. They told me I should just take it back again, if I did not want it ; and that's what I did. I returned the vehicle again ( that same day ) and left it in their possession. Again, I thought the issue was resolved. Recently, I received a letter from a finance company called Santander talking about my interest rate on a car loan. I had no idea what this was about. I called them, and sure enough, this was for the car from XXXX XXXX. I explained the whole situation with the rep at the finance company, and they said they would make sure it was resolved. So despite returning the vehicle to the dealership before they even submitted the finance paperwork, and them knowing I did not want the car, the submitted the financing paperwork anyway. I can't believe the lengths that this dealership would go to try to force someone to buy a car they clearly did not want.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.
Consumer complaint received 2018-03-09
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: Santander Consumer USA Holdings Inc. (VA)

I have been engaged in dispute with XXXX XXXX XXXX XXXX, Santander, and XXXX XXXX XXXX since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
Consumer complaint received 2020-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive called and visited the bank to get answers but no one wants to hear me. I believe the manager at the Bank of America branch in XXXX XXXX in XXXX CA XXXX is laundering money from my account. His name is XXXX XXXX. Every time I go to the bank to get money out when my social security is deposited, he moves money back and forth between my savings and checking without my authorization and to confuse me. Im elderly and he is taking advantage of me. Hes taken so much money from me by doing this.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (FL)

My account was closed a few months ago, and since then they have not proceed to send the cashier check with the amount of money I had on the account. Also I reported a fraud made with my debit card and I still don't have any news about the case. 
The contact with the bank has been impossible. 
I also have this case with them XXXX without any update more than one month ago.
Consumer complaint received 2018-03-09
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: Trident Asset Management, L.L.C. (VA)

I have been engaged in dispute with XXXX XXXX XXXX XXXX, XXXX, and Trident Asset Management since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
Consumer complaint received 2021-03-04
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.