davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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: CITIBANK, N.A. (NC)

CBNA bank accessed my credit report on XX/XX/2022 and did a hard inquiry on my credit. I never authorized CNBA to access my report. Much less, I dont even know who or what company this is. This inquiry has had a negative impact on my credit report among all 3 major Credit Reporting Agencies.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-05-05
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-25
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)

On XX/XX/2022 I received a copy of my credit report and noticed some negative items that I had no knowledge of. I requested an investigation into these items and never received a response. I contacted the creditors and requested that they provide me with any documentation in relation to these accounts bearing my signature and again no one responded. 
XXXX XXXX ACCT # XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX ACCT # XXXX DATE OPENED XXXX BALANCE {$1900.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$420.00}
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NJ)

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NJ)

I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

i made a large payment and had ask to be place on the higher interest loan and they said no problem.Then i received the statement and they place the amount on both loans, I called and tried to have them fix the problem and was told they cant do that and i had no recoarse so i ended up paying more interest to sallie mae wjich was unfair
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (MD)

Hello, I tried to call the Vanilla Gift Card company to set a pin and request to confirm the balance on it. We got this gift card as a wedding present and our friends notified us there were $ XXXX dollars invested in the card. I tried calling the company some days ago but they kept putting me on hold for about an hour and then hung up the call. When I go on the vanillagift.com website and type " Balance Information '' all that comes up is the option for me to purchase a card. So, I tried calling this morning at XXXX AM on XX/XX/XXXX again and entered the card information, it tells me it " invalid and hang up on me. 

The full digits on the card are XXXX XXXX XXXX XXXX The expiration date is XX/XX/XXXX and the 3 digit code on the back is XXXX XXXXhank you, XXXX XXXX
Consumer complaint received 2022-10-23
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: SANTANDER HOLDINGS USA, INC. (GA)

In accordance with the Fair Credit Reporting Act this creditor have violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.
Consumer complaint received 2020-04-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (VA)

Hey, I'm a student at XXXX Tech. This debt was late but I paid it. I contact the company. Credit is very important to me, I'm an young male trying to build my business. Can I even do a Pay for and delete.
Consumer complaint received 2022-08-23
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly
Consumer complaint received 2022-05-05
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. (NY)

I am freaking tired of this company they hang up on me on purpose or they lie about verification. I sent all documents and they did not investigate unauthorized inquires and address XXXX XXXX XXXX needs to be removed never lived there. They are stalling. They are in violation they never investigated. I enclosed the police report they asked for.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
Consumer complaint received 2020-04-08
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: DISCOVER BANK (NC)

Signed up for a 7 day trial for a fitness program called XXXX XXXX on XX/XX/XXXX around XXXX. I did not get training or coaching like advertised, and i did not get access to the training programs and login credentials until XXXX that same night. On XX/XX/XXXX my card was charged {$150.00} for a subscription to the fitness program around and i requested to cancel around XXXX and be refunded. The company refused and discover refused to favor in my side during the dispute. They chose to side with the merchant and not dispute the {$150.00} i was charged during a trial period that i was charged before the 7 day trial ended. I was 6 minutes late? Or really i should have been able to cancel until XXXX without penalty since i did not get access until then.
Consumer complaint received 2022-10-23
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)

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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2021 I mail a copy of my drivers license, social security card, police report and FTC identity theft report. I received a update on the dispute yesterday XX/XX/2021. The bankruptcies and XXXX XXXX CONTINUE to remain reported on my personal credit. I submitted the police report and FTC identity theft report showing the disputed items were a result of ID THEFT and therefore I supposed to be removed. They HAVE NOT BEEN DELETED FROM MY PERSONAL CREDIT REPORT. Though only 1 item in the police report was removed. At This Time I Am Unsure Of Why The Bankruptcies Continue To Remain Even Though I've Submitted A POLICE REPORT AND FTC IDENITY THEFT REPORT. THIS IS THE LAST TIME I AM GOING TO REQUEST REMOVAL OF THIS INCORRECT/FRAUDELENT INFORMATION BEING LISTED ON MY PERSONAL CREDIT REPORT. ESPECIALLY WHEN I HAVE TAKEN THE PROPER STEPS TO SUPPORT THE ID THEFT CLAIM. IVE ALSO SUBMITTED THE SUPPORTING DOCUMENTS AS WELL TO NO AVIL. IF YOU ALL DO NOT REMOVE THE NEGATIVE INFORMATION I WILL BE FILING A CIVIL LAWSUIT AGAIN YOUR COMPANY. AS YOU ALL ARE VIOLATING MY RIGHT TO DISPUTE INCORRECT INFORMATION ON MY PERSONAL CREDIT REPORT. YOU ALL CONTINUE TO REPORT INCORRECT FRADULENT INFORMATION KNOWINGLY AFTER IVE SUBMITTED INFORMATION TO SUPPORT THE ID THEFT CLAIMS. 

NO ONE SHOULD HAVE TO SUBMIT 10 DISPUTES EVERY YEAR TO GET INCORRECT INFORMATION REMOVED FROM THEIR CREDIT REPORT. THIS IS JUST UNACCEPTABLE AND IS IN FULL VIOLATION OF MY RIGHTS PER THE FCRA. 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc. (VA)

Company is changing past due balance and date of last payment on credit report in an attempt to re-age an account that was about to fall off due to the age of the account, now it will not be removed when it was supposed to. I attempted to dispute the erroneous charges and dates with no success. Account is supposed to be deleted from credit report once caught re-aging accounts according the fair credit reporting act.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of identity theft/fraud. Without my knowledge, all of my accounts were compromised at some point. By the time it was brought to my attention the damage was done and the account was sold. I reached out to XXXX, XXXX XXXX XXXX , XXXX and provided the sufficient documentation they needed in order to conduct their investigation. their investigation has been completed and they stated that I 'm no longer responsible for this debt due to fraud and has deleted this account from my credit report. They also advised me to reach out to XXXX to have them remove this account as well so I did and the only advice i receive is that they no longer own the account.
Consumer complaint received 2022-08-23
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

Self Inc./ Lead bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Self inc/ Lead Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Self Inc/ Lead Bank to furnish any late payments to my consumer report. It is my belief that due to Self Inc business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I am going through divorce, upon asking for bank accounts for my ex, I Found an application that he opened an account and added me to it and forged my signature, that was in 2013, just around the same time that wells Fargo had the big problem of opening accounts without consumer consent. 
I went to the branch, I verified that the box checked on the application means that I was not there. 
I brought it up to the bank, identity theft, fraud department, I was sent a notice that they dont consider it identity theft although it ruined my credit at that time.