davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (CO)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax , XXXX XXXX XXXXXXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

on XX/XX/XXXX i deposited {$2000.00} dollars into a chase atm outside of a chase bank. the atm broke upon depositing the cash and gave me a transaction id receipt. i contacted chase and they said theyd file a claim. they did and the claim said the atm tech went out to examine the issue and couldnt find the money. now i have filed a police report and escalated the claim. the atm undoubtedly has visual evidence of me depositing SOME cash into the atm. at this point im looking into getting a lawyer to subpeona to get the footage from chase since they refuse to investigate internally.
Consumer complaint received 2023-02-20
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK (OH)

I co-applied for a {$5000.00} student loan based on the marketing solicitation I received stating adjustable rates starting at 3.99 % and fixed rates starting at 5.99 %. I was offered an adjustable rate at 6.39 % and a fixed rate at 7.74 %. When I asked how rate is determined there was no logical answer. Anytime I have applied for home, equity or auto loans I have received the best rates because of my high credit score.

Discover is unable to tell me how the rate is determined. Don't know how they can advertise a rate and not state what is required to get that rate. In mortgage, equity and auto lending a rate can be explained do to the score a borrower has. To me this is bate and switch. If I don't qualify for the best rate then tell me why.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY (CA)

I just need one question answered ... that Wells Fargo is refusing to do. 

You told me that XXXX XXXX XXXX you with a delivery receipt, that I said I did not sign. You had me sent over a copy of my signature to verify the signature was not mine. It was verified not to be my signature, but you took it anyhow and threw a long standing customer under the bus. 

Why? Answer the question for once. Don't babble about fraud and hire an attorney ... you chose to accept a signature that was verified by Wells Fargo not to be mine. 
There was no thorough investigation done.
Consumer complaint received 2022-10-21
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: GOLDMAN SACHS BANK USA (GA)

Apple is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report twice on date of XX/XX/2022 without my consent
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

Received a notice from these crooks at XXXX XXXX XXXX. They said they "bought" a debt from Citibank {South Dakota} N A for $XXXX, Account number XXXX> First, I don't know what the XXXX they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX  br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact Citibank, call . XXXX XXXX XXXX. fot the XXXX folks, call XXXX XXXX XXXX XXXX.Looking for some help.
Consumer complaint received 2021-06-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI (TX)

I received an alert XX/XX/2021 from my mortgage lender that a 3rd party collection agency General Revenue on behalf of XXXX University had placed a debt for a federal loan amount due for {$720.00} on all three of my credit bureaus. My concern is in light of the America Rescue Plan this debt should not be enforced until after XX/XX/2021.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (SC)

On XX/XX/2018, I was issued a loan by WLCC d/b/a XXXX XXXX for {$1000.00}. I have paid {$1000.00} to date and XXXX states I owe another {$960.00}. Per South Carolina ( my state of residence ) payday loan regulations, I should have only been charged $ XXXX/ {$100.00} borrowed. I should have only been charged {$150.00} on top of the {$1000.00} borrowed.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

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 Account 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  has violated my rights. 


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 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MS)

In XX/XX/XXXX and XX/XX/XXXX, payment was mailed to original creditor and they returned check by mail and in XX/XX/XXXX they informed me to notify collection agency. I then mailed collection agency 3 payments totaling the full amount. Each check included pay to delete contract and memo for pay to delete if checks were cashed. Agency cashed checks and failed to delete with all three credit bureaus. Checks were held and not cashed for weeks.The agency then reported the the debt to all three bureaus which seemed ridiculous, uncaused for, and malicious. Proof of mailed checks, cashed dates, etc. attached.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (NY)

I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX compliant or meet XXXX requirements, Please remove items immediately!!
Consumer complaint received 2018-12-18
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. (CA)

Equifax. Continued to report numerous accounts and personal information I disputed due to it being fraudulent. and provided Identity theft report to back in XX/XX/XXXX. Validated and continued reporting fraud account and later on Bank confirmed it fraudulent. 
I have recently discovered that no score is being generated. Worse than that, Equifax have inserted in my file that I am deceased as of XX/XX/XXXX..!!!!
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

Experian continuously sends me notification emails about new products they offer. 

They claim that these emails are not marketing emails because they sometimes include a link to check my credit report. However, it's clear that the primary purpose of these emails is marketing, and not " a recent change to my account '' or " important information about your account ''. 

This is particularly the case because clicking on the link in the email takes the user to an aggressive, full-screen, up-sell to a " premium service '' that no user who understands the credit reporting system would agree to use.
Consumer complaint received 2022-09-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I, XXXX XXXX XXXX, did follow all the rules outlined in section 605B of the FCRA.

EXPERIAN has continued to break the law. They have not blocked information on my credit file with them even though I have given them all 4 parts part A contains. 1. Appropriate proof of my identity. 2. A copy of an identity theft report. 3. I identified all the information that resulted from the ID theft. 4. A statement I did not open the information or accounts or allow another to do so.

Experian gives the most ridiculous reasons to not obey the law and block the info I named in 4 business days or less.

I will include a screenshot of everything I sent them. Then Experian replies, and how they boldly lied to break the law. 
Experian allows the fraud companies to access my file and these fraud companies then change the original information to match my current information. Effectively allowing the fraud companies to break the law. 
This harms me, irreparably. Stop Experian from breaking the law, and I am including all 4 parts I am to supply Experian to block the items in 4 business days or less, so when you send this to Experian, they have 4 days to block the information from when you, the CFPB sends it to them. 
The info to be blocked is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX address- XXXX XXXX XXXX XXXX XXXX  XXXX Experian refuses to accept I never lived here even though the building was not open to occupy until XXXX, and was a golf course until XXXX. How can accounts have this as my address if the accounts were from XXXX and before? 
This is how crazy stupid Experian is being. 
I have named the fraud items to be removed in 4 business days or less. You are sending my 4 docs to Experian for me.

We shall see how they reply to you.

I am actually sending you the police report that clears me as well as names all these items but not in the public file. Experian said that that the police officers didn't have their badge numbers which is a complete and total lie. All 3 of the officers including the supervisor have their badge numbers with them after their name. They also said an important area was blocked out but the police blocked that area out because it contained my it contained my social security number by mistake and they didn't want to compile a completely new report so they blocked it out for me because it's a public report and they didn't want that information in their public file. But of course experience says it like that was the reason for them to break the law and not block these items. I'm including their words but I'm just letting you know here that's what type of garbage they used to break the law. The law doesn't give them that right but they use it anyway.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I went to the bank on the XXXX XXXX XXXX I withdrawal a {$100.00} Leaving my balance at {$300.00}, when I check that later on tonight The bank said I had only {$200.00} hey my bank account so there was {$100.00} missing out of my account
Consumer complaint received 2022-09-27
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. (CA)

XX/XX/2022 XXXX XXXX XXXX  sent me a letter in themail as a XXXX party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated XXXXhree ( 3 ) of my consumer rights. 
Unfair Practices - 1692F any unfair means to collect alleged debt False or Misleading Communications -1692E false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (NC)

I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (LA)

I contacted Credit Management LP in regards to a dept for XXXX. I spoke to them and agreed to pay if off in full in two installments one of XXXX on XX/XX/2020 and the other on XX/XX/XXXX for XXXX They drafted XXXX on XX/XX/XXXX the on the XX/XX/2020 they drafted {$370.00} and today on XX/XX/2020 another {$180.00} they have took out double the amount that was owed. 

The company is called Credit management LP XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX the reference Number # XXXX XXXX
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX provided me with a consult to have a procedure done, I told them I hadn't decided yet and wanted to wait. I was asked if I wanted to check with their lender to see if I qualifed for financing, I said ok. 

Ally Lending XXXX XXXX XXXX XXXX XXXX NY sent me a payment for {$110.00} towards a {$2900.00} loan. I told them I did not have any services rendered and did not wish to do so, they are filing with XXXX. 

I spoke to XXXX and they were very adamant that I had signed a contract. I told them I would not be doing any services with me and they held the attitude that I had signed a contract. 

I unknowingly must have signed when I filled out the info for Ally credit. I will not be receiving services from them and I will not be paying any money, however I'm worried how this will affect my credit. 

Just this morning they sent me a new contract to sign. 

Please advise, I believe XXXX Image runs a scam, to push people into using their services.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I received a notification that I have been turned to collections by XXXX XXXX XXXX for unpaid accounts. I did not open the accounts and have been a victim of Identity theft. I have disputed the accounts withe XXXX.
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK INTO CASH INC. (TX)

I was alerted through email that I was approved for a {$700.00} payday loan that I had not applied for. I had applied for a loan several months ago, but not yesterday XX/XX/2021. I also received a hard inquiry for this application. I immediately called the next morning when they were open and they were able to void the loan, and told me to proceed with filing complaints. I do have a fraud case open with them as XXXXXXXX.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Have a security freeze on account with Equifax. Been trying several months to have it removed. Can't reach anybody on the telephone. Was told to submit in writing, which I did, and was told some sort of code would be sent to me allowing me to lift freeze on line. No code has been received. Very frustrating.
Consumer complaint received 2022-12-07
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: Thaxton Investment Corporation (SC)

In accordance with the fair credit reporting act XXXX  account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (WA)

I been told it was rewards card which i didn't know it will affect my credit. I answer no when they asked but the employee sounded forced me to apply which i didn't know something like this would happen to my credit report. Basically i wasn't informed of the application being for a credit card and didn't consent to the application.