davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, XXXX and Equifax. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, XXXX and EQUIFAX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX someone attempted to purchase a 2009 XXXX XXXX through Shift. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life. 

Equifax Also fix your effing dispute UI. YOU CANT UPLOAD DOCUMENTS!!!!!
Consumer complaint received 2017-01-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

The bank imposed early payment penalty fee in violation of the loan 's terms. 
Specifically, the terms specifies that " [ consumer ] agree to pay a prepayment charge if this loan is paid off prior to the final scheduled due date ''. I, the consumer, made early, large payment but did not pay if off totally, as the total amount financed plus all fees and interest, is still larger than my overall payment amount. The bank, however, imposed early payment penalty fee on XX/XX/2014. Following the terms of my installment loan, if the bank considers the aforementioned loan is " paid off '', then I should receive my car title and the loan should be closed. However, I was charged an early payment penalty fee. I have contacted with the bank ( case # XXXX ) several times but the bank refused to follow their loan terms. Therefore, I would like Bureau of Consumer Financial Protection 's assistance in reaching an appropriate solution with the bank.
Consumer complaint received 2020-11-17
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: Chime Financial Inc (GA)

I made a payment thru XXXX XXXX  on my power bill. The money is gone out of my account but I was told the payment failed. When I call chime bank they say the money was paid. Now my bill is not paid and Chime or XXXX XXXX will do anything about it.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (MD)

As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that Citizens Bank Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way Citizens Bank is hurting its retail customers. They are unbelievable.
Consumer complaint received 2024-01-18
Product: Credit 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: NAVY FEDERAL CREDIT UNION (VA)

Dear Sir/Madam in todays retail environment, credit card processing company is essential, especially for firms that operate through e-commerce platforms. However, many shoppers worry about how long a merchant has after submitting a purchase to charge their credit card. Or what are the chargeback limits of different cards? 

According to credit card issuer rules, merchants have no time limit to charge their credit cards. If the transaction is approved, the merchant has to charge its credit card within the time limit of 30 days. The period might range from 24 hours to 3 days, depending on the bank. Some banks demand to charge credit cards within 30 days. 

_____________________________________________________________________________________________________________________________________________________________________________________________________________________ I notice that my Navy Federal credit card was charged on my XX/XX/XXXX statement {$840.00} Date : XX/XX/XXXX Merchant : XXXXXXXX XXXX XXXX Im disputing the charge for two reasons : charge amount is incorrect charges was accepted after more than 30 days of transaction which were on XX/XX/XXXX I requesting that my credit card account be corrected, and all interest charge 11.24 % APR applied, be reverse. 

XXXX XXXX XXXX had to falsify information to collect the charges, and the bank drop the ball in allowing this to happen. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MS)

I applied for an extension of credit to purchase a vehicle at XXXX XXXX XXXX in XXXX, TN was denied by Ally Bank. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to get a vehicle to assist my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card and my Licensed which is also a credit card. They received the benefits from my credit card while I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants, pursuant 12 CFR 1002.2 ( n ).
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

Back in XXXX of 2019 TFS sent me a letter stating I could get out of our lease early with no FEE 's and the last two months of the lease would be waved. Right after that I called and talked to a person at TFS to see if this was right. I was told that TFS was offering this do to the fact that dealers were in need of used cars. That the dealer was picking up the last two months lease payment and any FEE 's. So I sent TFS a letter accepting TFS offer. Then a year later I get a letter from TFS stating that I owed not only for two months of lease payment but TFS charged me for four months of lease payments and the FEE 's. At the time I request a full printout of the payment record of the lease. Knowing I was never behind and any months payment. After going over the printout I see that they had taken out over the lease two payment a month for a total four months from my auto payments from my bank. On the end of the lease I was over two months ahead in payments on my lease. I sent TFS a copy of the bank statements and the printout showing that there was an over payment. Got no reply at all from TFS. Even the dealer sent TFS a copy of their purchase agreement of the car from TFS showing that they covered the last two payments, FEE 's and paid TFS more than {$2000.00} more than the lease payoff. Under Wisconsin laws no money is owed to TFS
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My wallet was stolen on XX/XX/2016. It contained XXXX credit cards and a debit card along with my driver 's license. XXXX credit card XXXX Huntington Bank XXXX XXXX was used to make a fraudulent purchase, which alerted me ( via text XXXX to the theft. I contacted the Huntington Bank customer service and reported the card stolen. New cards were issued to me. On XX/XX/2016, I met with a banker at a branch office. I was told a comment was entered to ensure account security. I was not contacted by the Huntington Bank fraud personnel after my initial notification to them. I reported the driver 's license and second credit card stolen the the appropriate issuers and received updated documents/cards. I filed a police report and reviewed surveillance footage at the store where the card was used. I identified the person using the card as the person sitting next to me at a restaurant. 
About XXXX weeks later, I received a letter in the mail requesting my notarized signature disputing the fraudulent purchase. I signed the statement and mailed it to the address provided. Funds were returned to my credit account. 
Around noon on XX/XX/XXXX, I received a text alert that my Huntington Bank checking account balance was below the set limit. I logged into my accounts and noted that someone had withdrawn nearly all the funds from my checking and savings accounts. I went to my local bank branch within XXXX minutes of the transaction post and learned that someone had entered a bank branch inside a XXXX store in XXXX, MI XXXX out-of-state ) and filled out a withdrawal slip to deplete my funds. According to the assistant XXXX, the banker who conducted the transaction looked at the driver 's license and thought the person looked " enough like '' me to consider it a valid identification. The banker also stated that the person knew the balances in my accounts. The signature on the withdrawal slip does not resemble my signature on file for my bank accounts. The XXXX store had not been contacted to secure surveillance footage XXXX the branch is inside the store ) and the XXXX Police Department had not be contacted of the theft. I went to the branch again the following day to let them know that the funds had not been returned to my account. After repeated attempts by them to speak to an XXXX, the funds were returned to my account before noon. No XXXX has contacted to verify how the bank intends to rectify the compromise to my accounts and information. I am still not aware how the person knew my account balances or why the banker did not protect my funds and my account information.
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I received medical treatment for an XXXX at XXXX XXXX in XXXX, GA on XXXX XXXX XXXX. Following the treatment my insurance and I were billed directly from XXXX XXXX - the bill was paid accordingly. 

In XXXX of XXXX I receive a collection notice from Lanier Collection over the amount of {$150.00} regarding services I supposably received at XXXX XXXX XXXX '. 
I did not receive any treatment from this provider nor was I sent a bill. I requested further documentation that I received treatment and/ or owed this amount and after the collection agency LCA failed to do so I disputed it. 

It has now been flagged as unpaid on my credit report ( XXXX ).
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-08-14
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)

XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and Equifax did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact Equifax and XXXX. I made multiple contacts with both agencies. Equifax did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I recently noticed a false report to my credit file. After requesting my credit file, I noticed a negative inaccurate report on my credit file. The report states that I owe {$5800.00} to I.Q Data international Inc. located in XXXX Washington. On XX/XX/XXXX I sent a Debit Validation Letter to I.Q Data International Inc. and two other companies on my credit file. The other two companies have since then responded with a decision. As of XX/XX/XXXX, I.Q Data International Inc has not responded to my request. Furthermore, the amount of debt reported has since then increased from {$5800.00} to {$5900.00}. 

Enclosed are copies of receipt indicating the date I sent the letter demanding validation of debt and proof that the company received my request. 

Meanwhile the report is currently affecting my credit report. By the way this is the only negative report on my credit file.