davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of Midland Credit Management. I've been recieving and responding to these phone calls for the past month or so. Explaining to Midland that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I have disputed my Regions account ( personal loan ) through the credit bureaus and i tried contacting Regions, but all the phone # s do not work. 

Regions Bank has been incorrectly reporting the closed date of my personal loan since it was included in bankruptcy last XXXX. 

The actual closure date was XX/XX/XXXX ; at first, regions Bank put the closed date as XX/XX/XXXX, then XX/XX/XXXX, when I disputed it at the time, and now Regions reports the closed date ( as result of a dispute ) as XX/XX/XXXX, which caused my XXXX  credit score to drop by 15 points as it is seen as a recent delinquency.
Consumer complaint received 2019-10-20
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: ONEMAIN FINANCE CORPORATION (NC)

On XX/XX/2019 I went on to the XXXX XXXX website to see about loans that I could be eligible for. On the website it indicated that I could check for rates without hurting my credit score, that a soft pull would be done. I entered the last four of my social security number with the understanding that hard pull would not be done on my credit report. XXXX  XXXX  then provided me with several lenders that would be willing to give me a loan and listed terms so that I could so that I could choose the lender that I wanted. I then got an email from XXXX  indicating that OneMain Financial put a credit inquiry on my XXXX  credit report ; however, I did not request any thing from OneMain Financial. I ended up taking a loan from another lender but I never even looked into taking out a loan with One Main Financial. They did not have permission to pull my credit, I did not fill out any applications with them, and I did not request any additional information from them so they should not have pulled my credit.
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after leaving several messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. 

I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. Thank you for you quick reply as I will be filing another complaint if this goes on my chex report. 

I'm not sure where a bank can take money from the account without consent, not give the refund, charge overdraft fees, and turn it over to collections.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (OH)

Received email on XX/XX/2019 & approx XXXX/XXXX/XXXX  for account verification information after an online banking system upgrade, but for a 'non-existent ' active account. A JPMorgan Chase account shows on my credit bureau reports from a  voluntarily closing account decades ago. 



Begin forwarded message : From : " Chase '' XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : Your account security verification is required Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online services. 
XXXX PLEASE DESCRIBE THIS IMAGE ** Dear Chase OnlineSM Customer : We're writing to let you know that limitations has been placed on your account to protect you from unauthorized transactions and identity theft. 

Due to our recent online banking system upgrade, all Chase account whose online banking details are yet to be verified will be terminated. 

Here 's what you should do : Kindly, click Verify Now link to remove limitations on your account.

Go through the Chase identity verification process carefully.

Monitor your card and account for any transactions that you don't recognize. 
Contact companies that automatically charge your card ( cable, cell phone, insurance, etc. ) Here 's what you should know : All of our accounts have XXXX Liability protection1.  That means you're not liable for unauthorized transactions that you promptly report to us. 
We'll continue to monitor your card and account to help identify any unusual activity. If we detect any, we'll notify you. 


Thank you for your business and trust. 

Sincerely, Chase Fraud Department JPMorgan Chase Bank, N.A. Member FDIC 2019 JPMorgan Chase & Co . 

Your personal information is protected by advanced online technology. For more detailed information, view our Online Privacy Policy. To request in writing : Chase Privacy Operations, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: VW Credit, Inc (PA)

I recently applied to Audi, for a lease.. I have an applied in the past before. This time the representative at the dealership said that Audi doesn't want to do business with me and has me block and will continue to keep denying my application. I have yet to receive any correspondence from the Audi financial. I believed because I applied in the past in the reason why they are denying, initially when I applied years ago I had some credit issues related to fraud. I have recently removed all negative and derogatory information that was reporting. I have been to court on this issues, filed numerous police report to prove I was a victim of Identity theft. 

Audi I belive is now discriminating against me. XXXX I qualify to lease any car, and income I qualify there as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How does a dealership and respond and days Audi financial does not want to do business with you .... I have the recording of the sales rep saying this to me .....
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

starting sept. XXXX I received the statement of my account ending XXXX and I notice {$700.00} draft on my account on XX/XX/XXXX with the following detail " withdrawal in branch store. then I went to the bank and explain the manager that I did not draft this money. The bank manager told me he will open an investigation for the case and he also told me that I was the person who draft the money I asked him to show me the receipt which should contain my signature he said the bank has the receipt but they do not show me the document. Then I went to other teller and she show me a {$700.00}. receipt with not signature. I want to anticipate that my information including my driver license is on file at Wells Fargo bank since XXXX and when the teller open my account they have my information this pattern of withdrawal has been used by this bank to deplete my account on priors dates. If the bank said they have the receipt on its own I have right to read the document and agree or disagree.
Consumer complaint received 2019-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CT)

XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MS)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX 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 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 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 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-20
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

TOYOTA MOTOR CREDIT - Account Number : - XXXX Status : - CHARGE-OFF Toyota Motor credit account XXXX was discharged in bankruptcy a. The discharge papers and matrix are enclosed. 
b. The letter from Toyota acknowledging the bankruptcy and a copy is enclosed. 

During the last dispute XXXX re-listed the account as verified, so I initiated another dispute and it remains in dispute status. 

Last year before all the XXXX mixed files it reported correctly. 

Have XXXX  please fix the status to Discharged in Bankruptcy and leave it alone. 
It has been changed on the report several times. Yet Toyota ( as in the letter enclosed ) has verified they stopped collections and it is in bankruptcy.
Consumer complaint received 2019-10-21
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. (CO)

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE XXXX CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX  XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (AZ)

XXXX  inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is a hard inquiry on my credit files. I did not authorize XXXX to do so. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This is a hard inquiry on my credit files. I did not authorize XXXXXXXX XXXX XXXXXXXX to do so. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX This is a hard inquiry on my credit files. I did not authorize XXXX XXXX  to do so. 


US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX This is a hard inquiry on my credit files. I did not authorize US SM BUS ADMIN ODA to do so.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.
Consumer complaint received 2023-03-14
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. (TX)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. In accordance with the Fair Credit Reporting Act Section 605b, please remove the following items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00}. If the Credit bureaus claim that the disputed items belong to me, I require the Credit Bureaus to send me copies of proof of verification of proof of ownership or any documents bearing my signature si support your claims. Without these documents, the disputed items should have been immediately removed from my Credit File in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, XXXX has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact XXXX and other relevant parties, but unfortunately, these attempts have been unsuccessful for over XXXX years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that XXXX immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (SC)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX