davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-25
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. (OH)

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/2023 Todays date - Friday, XX/XX/XXXX, XXXX No response. Please remove from Experian, XXXX, and XXXX. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within XXXX days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt.
Consumer complaint received 2022-06-06
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)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXXk XXXX, has violated my rights 15 U.S.C 1681 section 602A States I the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written consent 15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (NJ)

There were not options for me to pick the correct complaint. 
I had a debt charged off XX/XX/2019 for XXXX XXXX, The XXXX XXXX XXXX It was reporting as such on my credit report and I have been slowly working with creditors to get any charge offs settled. The creditor wrote the debt off in 2019 and apparently it went to LTD Aquisitions, then in turn sent it to XXXX XXXX XXXX. 
This last company decided to re-age the account putting it on as a NEW collection account thereby dropping my score XXXX points! A collection is before a charge off how can these companies ruin peoples credit and make a buck off a charged off debt and report it as if you went delinquent on a new account recently? There is so much compliance and regulation in every other industry and why are these creditors not regulated, constantly hurting consumers, selling debts over and over and even when they paid NEVER updating the credit? Here I am trying to fix my credit and they can just do what they want and ruin it again. I have disputed this over and over and nothing has changed. I want them to put it back to a charge off and I will settle with them but if I do that now it looks like I just paid a new collection again hurting my credit more. Please advised on any recourse. Thank you
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I want to file a complaint against Cashmax a employee XXXX XXXX at the location CashMax - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, TX On XX/XX/2022 have been charging my bank card account for the wrong amount this is not the first time he have wrongful charge my bank card I have proof where my bank blocked and rejected the withdraw XXXX XXXX tried to withdraw from my bank card of {$190.00} without my authorization or consent when my loan payments is {$150.00} I have been struggling to pay theses fees
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act 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 without my written instructions.
Consumer complaint received 2022-06-06
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)

Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted immediately : 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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

On this compliant XXXX said not there company on account.. No they are not the company My problem is not with company its with XXXX still showing account on file See my original complaint XXXX XXXX has removed the XXXX account in dispute from their reporting. Experian needs to do the same
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX I notice the XX/XX/XXXX payment had been made with the account having + {$1000.00} increase. With the {$130.00} of available balance .everything on the XXXX of XXXX or prior to has now been processed out of XX/XX/XXXX XXXX payment. This payment showed to be less then prior amount. Calling the bank I was advised XXXX only sent {$1000.00} instead of {$1100.00}. Approximately 5 hrs later upon checking I noticed the amount had been alter from previous amounts. From XXXX to {$1100.00} but my balance never increased to the change. Last month I find it to be usual for My XXXX amount deposited on Sunday XXXX XXXX.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (VA)

Chime banking institution allowed a transition to charge to my account bringing it into the negative status ; the particular company had attempted to charge my account on XXXX, XXXX, XXXX, XXXX, XXXX. They were declined on the respective attempts and then Chime allowed the unauthorized transition to go through the without overdraft protection and without my permission. Frankly, the transition was not authorized and should not have been charged to my account. 

I have contacted Chime and they have refused to resolve the issue and instructed me to contact the merchant. This is completely unacceptable as I did not authorize the transition on either side of this. The Chime representative stated that he was unsure why the transition went through as I do not have overdraft turn " on '' so it should not have went through. 

I am requesting my account to be credited the {$29.00} in which it was overdrafted.
Consumer complaint received 2022-06-06
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. (FL)

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. This is at least my XXXX attempt to get Equifax to publish my consumer report in accordance with federal laws. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Equifax is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2022, I made a payment to XXXX XXXX XXXX XXXX XXXX from my checking account with Chase Bank. I made a second payment to the same payee later in the month, and it was returned. On investigating this with both Chase and with XXXX, I found out that I somehow had selected the wrong address for the payee. I went to the bank in person and watched the woman employed there call the same XXXX number I could call from home. She was unable to help in any way. I was told that they had proof of payment and that XXXX had cashed the check or received the payment, but XXXX had no such record. On calling back today, nearly a month later, and escalating to a supervisor, I learned that the payment went to a company called XXXX XXXX XXXX, who I had never heard of. I asked why XXXX XXXX XXXX had received a payment that appears in my account as having been paid to XXXX XXXX XXXX and never received a satisfactory answer. On calling XXXX XXXX XXXX, they tell me that the payment from XX/XX/XXXX should have been immediately rejected and the funds debited from my account reimbursed. They were not. XXXX XXXX XXXX does not appear to have my money. The proof of payment provided by Chase is meaningless to XXXX XXXX XXXX, and to XXXX XXXX. What is it proof of, exactly? I know the money left my account -- but where did it go? 

Several hours of my time was spent being transferred from department to department, and it took a *month* for a supervisor to tell me the money went to XXXX XXXX XXXX *after* having been told several times it was paid to XXXX XXXX XXXX. 

Chase has wasted an incredible amount of my time failing to appropriately track and handle my money. They owe me {$200.00} and their customer service is unable to live up to their obligation.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (AZ)

Discover Card perfomed XXXX Balance Tranfers for the same XXXX XXXX Credit Card both on XX/XX/XXXXThere should have been 1 single Balance Transfer made. Additionally they charged me a fee for each bal. Transfer. When the card was rejected on XX/XX/22 making a purchase is when I found the problem. 
When I phoned Discover on XX/XX/22 I was told to contact XXXX myself to retrieve the funds, they dont handle this. XXXX informed it could take up to 30 days to issue a refund to me of any kind. I requested the process begin. When I contacted Discover back and requested a supervisor she informed me billing could have taken care of the error. I requested both fees be credited for their errors. She stated they would refund 1 fee. I'm responsible for the other. I requested both fees be credited for my inconvenience and time. XXXX the supvr refused, and when I requested to speak to her direct report she informed me she didn't have one. I contacted Corporate and spoke to XXXX XX/XX/22 who said she would investigate and get back to me. As of now, I have only double fees, balances and an inabilty to use the card due to no credit availability.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (SC)

On numerous occasions VW Credit ( the " company '' ) has deactivated autopay claiming the account was invalid, and requested a voided check. After sending this an activation notice was sent ; however, checking today I see the auto pay is disabled again. The reason given is " the bank rejected it '', but the bank claims that no such request was made, nor a request to process a payment. Furthermore, this exact account number is used for other autopays, including a vehicle. 

The company is unwilling to fix their software and is making it very difficult to deal with as I must regularly -- over 6 months now -- babysit payments, which was not what was agreed upon.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Advantage Finance, LLC (FL)

I am writing to address an issue with my XXXX Credit Report regrading an account with XXXX XXXX XXXX, Original Auto Advantage Finance. The report shows a past due balance of {$1000.00} for a vehicle that was repossess in XX/XX/year>. However this account was paid off in XXXX XXXX Despite this it continues to reported as past due and that it was recently repossessed which is inaccurate. This incorrect reporting is impacting my XXXX  Loan Process and it needs to be rectified as soon as possible.
Consumer complaint received 2022-06-06
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)

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 2022-06-06
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.