davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On the evening of XX/XX/XXXX ( CST ), XXXX, Chase Bank 's customer service phone system was down at XXXX XXXX. My roommate, also a co-account holder with me at Chase, attempted to transfer funds from his proprietary account at Chase, to our joint account, to cover an overdraft. The aforementioned phone system even put out the message that it was unreachable, that one should try later. My roommate continued to call ( as reflected in phone records ) for over an hour, finally succeeding at XXXX XXXX. By then the date, as Chase arbitrarily defines it, was XX/XX/XXXX, thereby incurring a {$35.00} overdraft fee. This fee should be refunded, since it was still timely at XXXX, and their fault, not ours, that the transfer was late. Moreover, Chase advertised when I opened the account in XXXX, that overdraft fees would be waived if " overdraft is covered the same day, '' not some XXXX XXXX XXXX definition. This was deceptive and invited misunderstanding.
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-01-09
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: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have a loan with XXXXXXXX XXXX. The current status should not be showing late because I paid it on time XXXX, XXXX and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
Consumer complaint received 2022-09-20
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. (AL)

Hi I am submitting this 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.
Consumer complaint received 2019-10-24
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 (SC)

In XX/XX/XXXX, I closed my XXXX XXXX XXXX due to lousy customer service. At the time, the credit card company misapplied payments I had established and refused to correct the problem Since then I've been paying faithfully on my remaining balance, cutting it almost in half. Also since then, I've had limited access to my account online so that I could establish and, if needed, modify online payments. I also use the card 's free credit score service. 

On today 's date, Thursday, XX/XX/XXXX, I tried to access my account on another computer and entered an incorrect password. I was immediately locked out of my account. The only way to access the account and remove the lock is to provide the full 16-digit credit card number and three-digit code on the back, which creates a paradox since the account has been closed for years. 

Also on today 's date, I contacted customer service and spoke to two representatives who refused to help me. The first person said online access ends after six months of closing a card, which doesn't make sense because I've had access to my account online for nearly four years. A second representative said the only way to access my account is with the 16-digit account number, which he said is on the statement. However, I was at work, didn't have the statement with me, and most credit companies have a variety of ways to verify one 's identity. The lousy customer service I received today is of the same level of poor service I received previously. All I want is the ability to access my account to modify payments as needed. It's a closed account so there's no identify theft risk. I will never do business with XXXX XXXX or XXXX XXXX as a result of this fiasco, and encourage everyone else not to give them business either.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I was informed that i had a collection account on my credit reports that i don't believe is mine. I disputed it and the credit bureau says it's valid. So i contacted XXXX for a validation of debt and no response, i sent 2 emails and no response. My lawyer sent a letter and called, no response. XXXX XXXX XXXX sent a demand letter for debt validation awaiting to see if they receive. the emails I sent are attached XXXX XXXX XXXX ( medical coll ) # XXXX {$520.00} XXXX
Consumer complaint received 2022-06-24
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. (CA)

Experian is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Experian a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Experian has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Consumer complaint received 2021-06-10
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: Ladera Lending, Inc (CA)

I filed a complaint ( ID : XXXX XXXX on XX/XX/XXXX about an unauthorized hard inquiry made without my consent. 
I received a very nice phone call and letter from Ladera Lending admitting their error and their word both written and verbally, that they would remove the hard inquiry. 
As of XX/XX/XXXX, all three bureaus show their hard inquiry on my credit report. They won't go away until XX/XX/XXXX. 
Can you make them do what they promised and remove the hard inquiry?
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

I paid my Chase statement balance online on XX/XX/2021. I received an email on XX/XX/XXXX indicating I had a balance due. On XX/XX/2021 I called Chase at XXXX to inquire about the {$30.00} posted to my charge card. I was told the fee was interest from XX/XX/XXXX until the time I paid on XX/XX/2021. I asked how and why interest is charged after I paid the statement balance in full. XXXX apologized for the confusion and told me she was trying to credit my account for {$30.00}, but her request was declined. I asked to speak to a XXXX. I was transferred to XXXX XXXX and asked the same question and was told the same thing. I told him I paid off another Chase account and was not charged interest after I paid the full balance and he indicated I was charged interest and I called Chase and Chase reversed the fee. I asked if he could do the same this time and he said no because it was too much. He also said if I did not pay the fee, I would be sent to collections. 

I asked my attorney to send a letter disputing the charge and they sent a letter on XX/XX/2021. To date, I nor my XXXX  have heard back from Chase regarding the dispute letter. 

On XX/XX/XXXX. 2021, I received an email from Chase indicating my email address was changed. I did not request this change so I called Chase and learned my email address and mailing addresses were changed. Neither were requested by me. When I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was asked to enter my zip code and after several attempts, I learned the zip code on my file was for my attorney 's mailing address. When I was finally able to access my account, I saw messages from Chase indicating they have been trying to reach me and I needed to update my email address. The email address they had on file for me was XXXX. I was told to change it. 

None of the customer service representatives were able to tell me why Chase keeps changing my contact information or why Chase was trying to reach me.
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC (CA)

15 days after I sent an assessment payment to my HOA, they sent my account to a collection agency. The collection agency is charging me a {$40.00} partial payment fee and a {$30.00} late fee for the payment I made before the account was sent to them. The payment was not late. 

The fees that have been added to my account by the collection agency are over half what I owe and are based on the amount owed before I made my last payment. 

This HOA selectively enforces account collection procedures. Other members are delinquent for 2 years before their accounts are sent to an outside agency. Ive only been delinquent for 3 months. Aside from the pre-lien fee and various other fees they have already added, there will be more heafty fees and a lien put on my condo. Help! Im already having a lot of hardship. Btw, my hoa seems to foreclose on a lot of members ( several every year ).
Consumer complaint received 2022-06-24
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)

XXXX XXXX made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. XXXX XXXX received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (NY)

In XX/XX/2018, I was a victim of identity theft. I have been able to resolve all my problems with exception of two incorrect inquires on my Equifax credit report. I have copies of letters that were sent to Equifax informing them that the inquires were incorrect and for them to be removed from credit report. Multiple disputes were completed that the information is correct which it is not. I have spoken to them multiple times, I have sent then copies of the letters in the mail and via fax. I was informed that they never received the copies via Mail and I sent them to the wrong address.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scott Kroner PLC (VA)

I was recently made aware of an attempt to collect a debt from me for HOA dues and water bills by my real estate agent while I was attempting to sell a property. I was not contacted at the correct address about this and did not, at any point receive a phone call or email, despite both of these being on file.

At the point I was made aware of this attempt to collect a debt, I immediately reached out to the debt collection service. After a few days of trying to get some type of breakdown of the charges they were attempting to collect, they finally sent me a PDF on XX/XX/XXXX which just showed a series of numbers written down for each month, which did not add to the amount they were attempting to collect from me. At this point, I asked ( in writing and over the phone ) for copies of the actual bills for the things I would owe. They informed me that they did not have these and did not have to provide these because this debt was made in a business name, but assured me ( without any documentation ) that this debt was mine. They recommended that I reach out to the HOA to get these bills.

I reached out to the HOA by phone over 13 times and left multiple voicemails. None were ever returned. I notified the debt collector about this and cc'ed the HOA and neithe
r of them responded. Finally, over 4 weeks after initially requesting these documents, the HOA responded to me saying that they do not have any of these documents, and the debt collectors are acting as their representatives. At no point did the debt collectors make any attempt to contact me to get me these documents.

This whole fiasco took place as I was attempting to sell my property, and these tactics of delaying repeatedly and not providing documentation proved damaging to me. We had to continue to delay closing while trying to hunt this answer down, and finally I had no choice but to just pay them so we could close the property. Unsurprisingly to me, the HOA finally responded with more delay tactics ( to tell me to go back to the debt collectors ) within 12 hours of the
property closing, timing which shows clear intent for both the debt collection agency and the HOA to strongarm me into paying a debt without sending any validation of debt to me, as they are legally required.
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (TX)

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with XXXX XXXX but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2020-12-07
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. (CO)

I recently pulled my equifax credit report and noticed several fraudulent inquiries on my equifax credit report. To my understanding according to the FCRA, legally these unverified and unauthorized items must be removed. I have already reached out to the the companies in questions and I was instructed by the companies in question to contact equifax directly for the removal of these inquiries directly. 
The fraudulent inquiries are below : XXXX XXXX pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXX Pulled my credit without my permission on XX/XX/XXXX XX/XX/XXXXXXXX pulled my credit without my permission on XX/XX/XXXX I've attached all my ID and identifiable information.
Consumer complaint received 2020-12-07
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: CBC Companies, Inc. (OH)

I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX # XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.