davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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. (AR)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-18
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : INFORMATION SEARCHIN Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MO)

I accidentally made an online bill payment to my GM Card ( Goldman Sachs Bank USA ) for {$6300.00}. This payment should have been to another credit card I use frequently. When I recognized the error I call on XX/XX/XXXX and spoke to a rep who said they would send a refund check. I should receive it in 14 days. I never received the check to my knowledge OR I accidentally threw it away. In either case I never cashed it. I have called MULTIPLE times. No one can help. I am on hold one hour at a time. Many incident reports are opend. No one ever calls. I received a letter dated XX/XX/XXXX that the case has been resolved correctly. I immediately called spoke to a rep in disputes who said another check would be cut and sent and received in 5 business days. When it didn't come I called again and was told they don't know what to do. It was suggested they create another incident report. When I said please no they said they would create a L2 report (? ) and someone would contact me. Please help. I just need someone to see the check wasn't cashed stop payment on the old and issue a new one. No one at GM can help. I don't know what to do.
Consumer complaint received 2022-08-18
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-05-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (AL)

Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.
Consumer complaint received 2022-08-18
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. (KY)

Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX. 
2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.
Consumer complaint received 2021-09-03
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: JPMORGAN CHASE & CO. (NJ)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with an amount balance of {$15000.00}.
Consumer complaint received 2022-09-22
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: CBC Companies, Inc. (GA)

I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a 30-Day Late Payment for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to COVID-19. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Then, XXXX is reporting a 60-Day Late payment for the XXXX of XXXX, which is definitely inaccurate. Please remove this 30-Day late payment for the month of XXXX immediately on XXXX and XXXX, and the 60-Day Late payment for the month of XXXX on XXXX. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2021-07-16
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: JPMORGAN CHASE & CO. (TX)

There has been an inquiry placed with your company that does not belong to me I never authorize any inquiries I have also filed a police report as well as a FTC report on the issue I never authorize Ive given my personal information to be applied for any vehicle loans admin that you remove the inquiry off my credit report.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MI)

Global Client Solutions ( company who processed my automatic payment transactions for a debt relief ) has automatically withdrawn an add'l payment from my checking account I did not authorize ( nor was I notified ) after my debt was confirmed settled with XXXX XXXX XXXX. I have graduated from the XXXX XXXX XXXX program back in XXXX in which the company, Global Client Solutions has been handling the transactions with autopayments through my checking account. I was told by XXXX XXXX XXXX in XXXX that I graduated from the program and actually received a refund from GCS for overpayment in XXXX for a little over {$100.00}. There were no addl fees in XXXX and there is now a new transaction of {$120.00} was not expected and pending on my bank account today. I had no alerts or notifications from either these companies thus far and I was not anticipating the transaction nor was I told I had to cancel my account with GCS EVER. This is clearly a mistake as I have not had any transactions posted for XXXX payments since XX/XX/2020. I now have to stop into a bank branch today to dispute and to put a block on the payment. I would expect that XXXX XXXX XXXX and/or Global Client Solutions should pay for any overdraft fees or that XXXX can either stop the payment right away or waive the overdraft fees if I can not stop this in time. I also have a XXXX XXXX mortgage payment that should post today on this same account, potentially causing my mortgage payment to be late. I have NEVER received any notification that there would be any additional charges and have proof of my graduation from the debt relief company and can provide a compete list of transactions, dates as well as the refund I received for the overpayment at the end of my program when it was paid in full.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

US Bank charged my checking account overdraft fees totaling {$2400.00} from XX/XX/XXXX through XX/XX/XXXX, many of these fees are the result of charging an overdraft fee multiple times on the same transaction, or they are the result of changing the order of transactions after the fact.
Consumer complaint received 2022-08-18
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. (IN)

To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting company aware of the violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) have 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. 

Thanks in advance for your assistance in this manner.
Consumer complaint received 2022-08-18
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: DISCOVER BANK (FL)

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 treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MO)

Fraudulent charges have been occuring in my Ally Bank checking account. I've been reading on XXXX that other like me have been receiving fraudulent charges as well in recent days, and I think that it's due to a possible leak of PII data. 

I personally was only given a pending charge of XXXX to a XXXX XXXX XXXX  XXXX, before I locked my card and reported it stolen. Others online have said that they have had multiple charges ranging from XXXX dollar to about XXXX end up getting made on their accounts, essentially rendering their debit cards useless. 

Ally has not done anything since I have been unable to get a hold of XXXX. But they also haven't publicly said anything as of yet either.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (VA)

According to Truth-in-Lending disclosures within contractual credit instruments I received are evidence a consumer credit transaction took place in the name of the principal ; legal person that I, the consumer utilizes. I am NOT the legal person. 

The subject of the credit transaction was charged to my security credit card; was for personal ; household purposes & not for commercial means. Transaction was satisfied ; settled at the dealership upon my signature. 

On XX/XX/2022 WELLS FARGO ( WF ) attempted wrongful repossessions. WF did not have express permission from a court of competent jurisdiction nor lawful right of seizure of my private property. I was not properly notified by Wells Fargo which caused a confrontation ; breach of peace. 

UNAUTHORIZED USE ; AGGRAVATED IDENTITY THEFT : XXXX sold my private personal financial & location information to a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ). I did not give explicit expressed consent, either in recorded verbal form nor written form to use my private financial information to aid WF & XXXX in making a profit for their business.
Consumer complaint received 2022-08-18
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. (TX)

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$420.00} AN # XXXX XX/XX/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
Consumer complaint received 2022-08-18
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: Self Financial Inc. (FL)

I never applied for a secured loan in the year XXXX  or ever in my life unless you count a mortgage and auto loan as secured loan ; but specifically this was a " personal '' secured loan and I did not apply for it so it was obtained fraudulently. I have disputed with the credit bureaus and the creditor is unlawfully reporting it as verified as accurate when I know for a fact that I did not apply for receive this loan which means by definition this company is lying with the knowledge that what they are reporting is false. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NV)

I currently obtained an auto loan through Hyundai Motor Finance in XXXX of XXXX. I am trying to pay my loan off faster. When I go online to make a payment there is no principal only payment or additional principal payment option. It will only allow me to make a payment. I called the company today and was informed that I am correct. They do not offer these options. The individual who was helping me at Hyundai Motor Finance call center said I can make a payment, then wait three days, call the finance department to then apply that payment to principal only. I will have to do this every single month, as I plan on making an additional principal only payment every month. Not only is this a complete hassle for the consumer, but I deal the company is making it hard to pay off the loan in a quicker manner. This in turn costs me more money and ensures they make more money. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, XXXX XXXX