davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-09
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX 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 XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-03
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: FirstPoint Collection Resources (NC)

Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act convergent account # 12345, 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't furnish a account without my written instrctions
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has come to my attention, that XXXX XXXX XXXXXXXX, XXXX Bank has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reside in the US and own a condominium apartment in XXXX XXXX Puerto Rico. In Puerto Rico I opened three utility accounts for Water, Electric and Telephone/Internet Service. For each of these accounts I established automatic withdrawal from a US checking account with XXXX XXXX XXXX. For the Water and Electric, the accounts are still open and there have been no issues. For the telecommunications account with XXXX XXXX XXXX XXXX, doing business as XXXX, there have been many issues. 
The account was opened on XX/XX/XXXX. 
XXXX, despite having direct withdrawal, marked my status as delinquent four times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have uploaded the XX/XX/XXXX bill which indicates no past due balance. Prior to that paper bill, XXXX had refused to send paper billing until demanded. 
The account was closed by me on XX/XX/XXXX, after over one year of attempting to close it via calls to customer service that would be transferred to a retention department, then disconnected. 
Furthermore, XXXX did not report/acknowledge the account as closed until XX/XX/XXXX along with a letter stating the account has no pending balance. As of XX/XX/XXXX, XXXX owes me a credit balance of {$540.00}. When I spoke to their Finance department today they advised me that my credit balance payment has been referred to their payments department which has no direct contact with the customers. I was asked to provide a callback number in the event they needed to contact me. 
As for the four delinquent reporting events, XXXX finance did acknowledge on a call on XX/XX/XXXX that automatic withdrawal was established. My payments were withdrawn with no issue all other months, prior and future. I have requested that XXXX provide proof of late payments or why they did not make the automatic withdrawal on those four occasions in a timely manner. XXXX has not been able to provide this proof to me or to Transunion, despite my open dispute with Transunion.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My name is XXXX XXXX my account number with Credit Acceptance is XXXX Credit acceptance executed an illegal repo on my XXXX XXXX. My husband is currently XXXX in XXXX. Credit acceptance violated the SCRA I notified credit acceptance of our military status. I also provided documentation regarding my identity theft. The identity theft was do devastating, that XXXX XXXX XXXX had to get involved to help me establish a new identity. I need my car back immediately this has caused further financial strain. Unfortunately i have been unable to go to work due to the repossession.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

I was successfully managing my Chase credit card balance and not paying any interest using Chase 's My Chase Plan feature which charges a fee to make repayments over time. The My Chase Plan fee is less than the interest rate. After a few months of this Chase emailed me a promotional offer to access a 10.99 % interest rate instead of the 24.99 % rate for a period of 6 months. I did not need the offer as I was not paying any interest, however I decided to accept it anyway as I read the fine print in the email and did not believe there would be any negative consequences to accepting the offer. 

Once I accepted the lower interest rate offer I was no longer able to access the My Chase Plan feature. Without access to this feature I was no longer able to pay off my credit card balance every month and the balance and interested started to accumulate until I maxed out my credit card. When I spoke to Chase to ask why I didn't have access to the My Chase Plan it took the customer service officer some time to figure out what the issue was. Eventually the customer service officer read the terms and conditions of My Chase Plan and noted that it's not available in conjunction with other offers. If it takes someone who works at Chase in a customer service role time to figure out why I couldn't access My Chase Plan, how do they expect a customer to know what rights they are giving up when accepting an offer?
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2019-10-28
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. (NV)

I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following are listed below. This information is a direct result of identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: United PanAm Financial Corp. (PA)

On XX/XX/2023, I went to XXXX XXXX XXXX car dealership to purchase a car. They said I was approved by United auto credit. I signed contract drove off with car. A week later On XX/XX/XXXX car was stolen by dealership saying bank never approved loan. As a federally protected consumer my rights were violated. I came in good faith to extend credit/15 USC 1679 ( a ) to make a consumer credit transactions. According to 15 usc 1611 criminal liability for willful and knowing giving false information. And other U.S. federal codes, These corporations are in violation of my consumer rights. They are also in violation of the Truth in Lending act, Equal Opportunity Act, The Emergency banking Act and The Fair debt and Credit Protection Act. I am the original creditor because every single extension of credit or debt obligation originates from my social Security number. They also lied about Mileage, price of car, and down deposit. My Credit score has been affected by this matter as well which is another violation. I have no car because it was illegally stolen but I have a contract that states car belongs to me. This is a civil and criminal matter. I would like to seek proper remedy for all damages this may have caused me.
Consumer complaint received 2022-05-03
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 the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Section XXXX A states that I have the right to privacy XXXX U.S.C Section XXXX A Section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

Department of Education/ Aidvantage reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

Aidvantage has still fail to remove the accounts on my XXXX & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus. 

15 usc 1611- false & inaccurate information willing & knowingly
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/21 at XXXX hours. I recieved a text message which claimed to be from JPMorgan Chase bank  asking about fraudulent activity on my account. I replied stating it was fraudulent and recieved another message informing me a representative would be contacting me shortly. I recieved a phone call from XXXX which is the customer service line from chase bank. I answered and a well scripted young man asked all the right questions about a fraudulent XXXX transfer for {$2000.00} to a XXXX XXXX. He informed me in order to reverse the charge I would have to send myself a XXXX transfer for {$2000.00}. He gave me a fake email and asked if it was mine, i replied no and he asked what email address to change the account to. I then sent myself in XXXX the money. When i gave him the email address I promptly recieved 2 emails from chase bank informing me of a change of email on the account. Everything looked normal until i logged into my account and saw only 1 transaction sending {$2000.00} to myself which i never received. About 30 minutes went by and I became nervous and called the bank, they informed there was no record of a call made to my phone on thier end and that I had been scammed. When i asked about my money i was told there is little to no chance I would get it back unless the bank could find the person that scammed me. I immediately filed a police report. My wife went into the bank on XX/XX/21 to ask about reimbursement and was told that since I authorized the transfer ( not knowing it was a scam ) that we were not entitled to reimbursement.
Consumer complaint received 2022-05-02
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-29
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One closed my credit card without my knowledge. I spent over 3 hours on the phone in one day, trying to find answers and proper documentation. It turns out, capital one didnt disclose that they can close your account without your knowledge. They stated due to payment return which is outside of normal monthly payments. Basically if you try to transfer money from another bank to capital one account, they can take up to a week to post the transaction leaving consumers confused about the funds available in either accounts. Also, customer service is poor and no one is able to disclose these terms before you find out the hard way ( account closure ). Capital One collected a {$600.00} payment to the card after closing it, without my knowledge that Id have no access to the funds. 
At one point, when my call was escalate, the agent who identified herself as XXXX ( spelling ), said that too many payment returns as a reason for account closure without notifying the customer, was proprietary company information and didnt have to be disclosed with the customer.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MO)

I did balance transfers to pay off my high interest cc at Barclay Bank. I mistakenly overpaid the balance resulting in a large overpayment of {$6600.00}. I called Barclay on XX/XX/2021 and requested a refund. They said they would mail me a check 7-10 days. Repeatadly called no check recieved.XX/XX/XXXX manager named XXXX he would cancel original check and send a new one, again 7-10 days. I requested it be sent by XXXX  or at least registered mail he said that was not there policy. I asked if there was anyone there that could authorize an effecient payment method and he said no.Finally recieved a check on XX/XX/2021 in a crumpled envelope postmarkde XX/XX/2021.Called and asked if I could deposit this check. They said no it had been canceled but a new check was posted on XX/XX/2021. It is now XX/XX/2021 just checked todays mail still no check.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-06-09
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: Credit Corp Solutions Inc. (FL)

I sent an Affidavit of Truth and an Invoice to Credit Control LLC, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX XXXX XXXX XXXX tracking number $ XXXX and XXXX XXXX XXXX XXXX XXXX, tracking number # XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Theses companies have reserves multiple invoices under the same tracking numbers.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, XXXX, and Transunion to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
Consumer complaint received 2022-04-27
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. (NJ)

I disputed with Equifax about fraudulent inquieries on my report and nothing was done... i sent i dispute and with in 10 hours they said the had finished there investigation. they are a fraudulent company that ruins lives.