davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I paid off my car expecting my title, but it has been over a XXXX weeks and I still do n't have it! Ally is telling me that they no longer have anything to do with my obtaining my title because they sent an email to California XXXX to release my title. California XXXX says they sent it over four weeks ago, but I have not received it. I have confirmed my address where the title should have been sent and it is correct, however, California XXXX does not track mail and now want me to complete a form requesting a duplicate title ( even though I never received any title ) and pay a fee. What a rip off!! Neither entity will get involved enough to PROVIDE ME WITH MY TITLE. I kept up my part of the deal and paid off my car, but they have neglected to send me my title.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I deposited a XXXX XXXX money order. To my chase account. XX/XX/XXXX. 

Within a few days my account was put on hold saying the check was fradulent. 

I called the bank and was told when they can have the check cleared then I can use my account. 

They said this will not happen until XX/XX/XXXX I have used this XXXX XXXX and money orders many times in this account. 

Two days ago the checked cleared. Today I looked into my account to transfer the funds to another bank account as I am going on holiday Monday. 

Today the account is closed. 
Chase told me that XXXX XXXX can not confirmed this check is not fraudulent and they closed my account and this is a state affair. 

I called XXXX XXXX and there is no problem with my money order and it has been cashed. 

Chase has kept my money and closed my account. 

Please help me. 
Not only did they stop me from using my account over XXXX I now have no money to go on my holiday and they have kept my money and closed my account. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NJ)

I called XXXX after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

XXXX XXXX XXXX  Original Creditor Name SYNCHRONY BANK Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

This account lists the following company as the creditor XXXX. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Never received any information or documents stating that i owe the debt.They did not contact me by phone at all. I checked my credit report and i was confused about this item that was reporting on my report. This is a violation of my rights, and i will take to them to court if i have to. I am all ready talking to a lawyer and if they dont reply we are going to move forward, because they have no proof that they tried to reach me by phone because they dont have my number. Because their is no way i owe a doctor bill because i have always had insurance when going to the Doctor so i know i never had a doctor bill that went to collections and its says XX/XX/2013 and why would they try and put it on my credit report now. When they dont have my address. So we know by that they never tried to contact me.
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: EQUIFAX, INC. (NV)

I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 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. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MI)

To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my XXXX  daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit verifying that these accounts were opened without my authorization. 

The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 

However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I demand the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed. 
3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future. 

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done. 
I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MD)

When I was moving from XXXX to XXXX, I packed up the XXXX boxes, Once I moved in my new house, I called them and they sent me boxes to return the equipment. They received the equipment and never removed this from my credit report. They have used several agencies to collect money from me when I sent back all of their equipment. This is fraud and no one would listen to me.
Consumer complaint received 2022-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 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 2016-05-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

Hi, I opened an account towards XX/XX/XXXX with Santander with a promotion code for {$150.00} after fulfilling certain requirements. I completed that and now they are saying I ca n't get the promotion since I did n't open it online but I did. When they called they said they would call back with more information, but no calls. Please can you help.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (GA)

I keep getting calls from individuals claiming to be a debt collector for Afni. They refuse to identify what their company does without being given information first. I had to look up the name and have found that multiple people have been called/scammed by them. They have an automated system when you call their number back that provides a website, afnicollections.com, and it is a flagged website. I asked them to remove my number from their list but they kept wanting me to repeat my number and give them personal information ; name, DOB, etc. The number I keep receiving calls from is XXXX. When I answer the calls, I can hear lots of people in the background and it sounds like a XXXX XXXX.
Consumer complaint received 2018-05-31
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: EQUIFAX, INC. (OH)

I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.
Consumer complaint received 2021-01-19
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)

Experian did not investigate an account on my credit profile for Dept of Education/XXXX  this is not my account and I hav never had a account with them
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (NV)

I was invited to apply for a Discover Card. I filled out the necessary information then was sent an e-mail to verify my address asking for State I.D, or other, and photo of social security. I attempted to upload photo of I.D . from phone but was unsuccessful. I then went home and scanned both I.D . and Social Security and uploaded them from my p.c.. Although the photo on my i.d is not clear my address and license # are. I received another email again requesting the information or to call. I called, spoke to an agent who was trying to find another way to send information, since they had trouble reading the I.D., whom she then said hold on a moment and then returned to the phone saying it was n't necessary to send any more information and they would process the applicatiuon 7 to 10 days. I then received another e-mail saying to call them or lose my application. I called them and was informed my application was denied. I checked my credit report saw they made a soft inquirie previously and then a hard inquiry. I recently received the denial letter which states I was denied to do inability to verify my credit references. It also adds on the back my fico score at XXXX ( it is XXXX ) and that there was not enough credit length on other cards and loans. I have had a XXXX XXXX credit visa card for three years, a XXXX for going on two years and an XXXX opened recently. All of which have been paid on time. I also have a loan through Department of Education, and a loan through a credit union of which all are current. I feel I have been discriminated in some way or I would have been run-around as I had. They came to me! And have had no trouble with these other credit cards.
Consumer complaint received 2022-08-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
Consumer complaint received 2016-08-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA COMPASS is committing fraud by deliberately giving incorrect info on fees to consumers on phone. I phoned XXXX to ask for fees to close XXXX account open less than six months. Was told no fee. This is incorrect. Fee is {$25.00}. BBVA is deliberately misleading consumers so it can profit from fees.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NJ)

EQUIFAX allowed 50 credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested EQUIFAX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission 56 inquiries.
Consumer complaint received 2022-08-05
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: CNG FINANCIAL CORPORATION (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item 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 block/remove this file. If you feel there is a possibility this account 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd. (TX)

This is a collection scam. I believe XXXX is probably doing this on a massive scale and involves XXXX contacts in XXXX. I sold a computer on XXXX and was never paid. I file a claim with XXXX which was never honored. Now XXXX comes up with this mysterious charge and refers it to a collection agency destroying my credit rating unless I pay this extortion money.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (CA)

I disputed a claim from XXXX XXXX that was denied due to proof that I authorized XXXX transactions using a PayPal account that I do not have that totals to {$1000.00}. I was informed that XXXX XXXX will not be refunding my money back until I submit more proof that I did not authorize the transactions. XXXX XXXX also stated that I will have to get that refund from the merchant, which is PayPal. I have been contacting PayPal about a refund, but they stated that since I filed a dispute against XXXX XXXX, that they have no power over getting me a refund. I continue to go back and forth with the XXXX companies but nothing is being done.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (SC)

This collection agency has furnished a medical record to my consumer report illegally without my authorization under HIPPA.

HIPPA is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose PHI, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and healthcare operations Opportunity to agree or object to the disclosure of PHI An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of PHI, without an individuals authorization or permission, for 12 national priority purposes : When required by law Public health activities Victims of abuse or neglect or domestic violence Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons Cadaveric organ, eye, or tissue donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the 12 priorities listed above. 

This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I had a car contract with US auto sales. My car was in an accident, and I filed a claim through XXXX XXXX, which was the insurance company that US auto sell used. US auto sales failed to pay the premium which caused my claim to be closed. I contacted US auto sales multiple times in attempt to get this taken care of as they had already sent out the adjuster and my car was supposed to be getting paid for. Some kind of way US auto sales sold their company to a debt collector and now I cant get any help. They wont honor what US auto financing was supposed to do. I also had issues with having to pay double when I had already paid and my car being cut off.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

International remittance was sent via Western Union and XXXX payment services by perpetrators whom had access to personally identifiable information transmitted through electronic means for the purpose of extortion of monies during the covid pandemic. The transaction numbers provided in addition to the phone numbers in question from non-domestic numbers are questionable and require further remediation.