davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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 XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act - XXXX XXXXcount Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 Consent
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my phone was stolen and was being used for unauthorized purchases using apps that were on my phone. I received an email and was able to use a computer to deny one transaction. That same night I was XXXX and taken into XXXX. I spent about four months in XXXX XXXX I was released on XX/XX/XXXX. While in XXXX I still had direct deposit from my employers. Two paychecks had been deposited while I was in XXXX On the XXXX of XX/XX/XXXX, I went to a Chase bank to see if any of transactions actually went through. Unfortunately, many fraudulent charges had gone through using my XXXX, XXXX, XXXX, XXXX, XXXX and XXXX accounts. I explained to the banker my situation and that all those purchases were unauthorized. At that point my account was already closed due to being overdraft by- {$1000.00}. She attempted to call the fraud department to get my situation resolved. I was asked to provide proof of me being in XXXX. At that point, I talked to my lawyer and was able to get a print out from the court proving that I was in fact in XXXX from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX and could not authorize any activity. I also called the app companies to make them aware of the situation so that they could create an investigation and help my banks to determine that it was fraud. I also filed a police report. I was later contacted by the apps individually that those were indeed fraudulent charges and that they would let the bank know that the money would be returned. Chase then sent me a few checks with only a portion of what I had in the bank without any proper explanation. On the XXXX of XX/XX/XXXX I went to Chase to see any updates due to the checks arriving in the mail. I figured the rest of the money was still being sent by mail. The bankers then called the fraud department and were told that all the charges were determined to be authorized and that there was no fraud. The only explanation I was given was that I authorized the purchases over the phone during the time I was in XXXX. With the money I had prior to my XXXX plus the two paychecks that were from direct deposit, I had a total of {$1200.00}.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On XX/XX/XXXX I logged into my HSBC USA account to make a credit card bill payment. I have XXXX cards with the bank, one I use regularly the other I use minimally. Upon logging in I noticed the balance on the card I use minimally had a balance of {$2700.00} cleared charges and multiple pending charges. The cleared charges were clearly made at businesses outside of the United States and were made during an 11 day duration. They also surpassed the credit lime on the card by {$20.00} or so. HSBC Bank claims to have an automatic fraud alert system that notifies customers via text or email when suspicious charges are made yet I received absolutely nothing. I reported the issue to the bank immediately. I was told the balance on the card would be reported to the credit bureaus as fraud and that my score would not be affected as I am actively looking to purchase my first home and my rates and purchase price are primarily based on my credit score being excellent. HSBC reported the balance to the bureaus but failed to identify them as fraudulent. Having a such a high balance in addition to it being over my credit limit caused my XXXX score to drop by XXXX points and my XXXX to drop by XXXX points. My XXXX score has not been updated as of XX/XX/XXXX but is sure to. I immediately called HSBC to inquire about the fact they didn't specify the charges being fraudulent on the reports and they had no reasoning nor could they explain why I was not notified via text, email, or phone call about suspicious activity on my account. Due to all of this I am unable to purchase a home until everything is resolved which, according to HSBC and my lender, could take up to 60 days. This leaves me in a position of losing opportunities to buy a home within my price range because of prices rising but also forces me to lose the opportunity to take advantage of low interest rates due to them skyrocketing. This will, in the end, cause me to spend hundreds of thousands of dollars over the years. It has left me emotionally and mentally distressed.
Consumer complaint received 2021-10-03
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. (AL)

I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for a Capital One Venture XXXX card. I have had a Venture card from Capital One for many years and have outstanding credit. The process Capital One put me through was so difficult and so intrusive that I gave up. I first had a XXXX call with a member of the Capital One application fraud area, in which they sent me a link to provide a picture of the driver 's license, which I did and was told by the representative they got it and no further action was needed. I then received a letter from Capital One saying I had to mail or FAX an image of my driver 's license, and confirm my social security number and home address. I could only be mailed or sent by FAX. I did so. 

A few days later, I was informed that the letter was incorrect and I had to send a copy of my original social security card. After several calls assuring that this was a legitimate Capital One request and not a fraud, I mailed the copy of the SSN card.

I was then informed that the mailed image of my driver 's license wasn't good enough for them, and I would have to mail it again. At that point I withdrew my application. 

I have never been asked to provide a copy of my social security card, let alone having to send this information only by mail or FAX, and it was especially galling given I had already given them my license image electronically ( which they claim to have lost ). This practice is abuse and unreasonable.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. Capital One then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by XXXX XXXX XXXX Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge black eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently I reviewed one of my credit reports and noticethere were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to theprovisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed itemsmust be investigated or deleted from my credit record within 30 days. - XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-04-18
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. (TN)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc. (CA)

I had a medical claim that was submitted to my credit report as delinquent in 2021. Every month this company would report it as a late payment so that the payment history would not age. So although this was a closed account, they would using this predatory tactic by reporting it late every month so that my credit score continued to be impacted. I submitted a investigation with XXXX and they agreed that the company should not report it every month as a late payment. My credit report was fixed. A couple a months later, this company once again engaged in predatory tactics and increased the medical claim amount by {$5.00} in order to make it appear it was a new delinquent payment on my credit report. When I called the company, they stated the {$5.00} was a finance charge. They are now once again reporting this every month on my credit report. It is evident this company increased the amount by a fraudulent {$5.00} in order to justify re-reporting this old medical claim payment so that my credit report does not age and my credit score is continuously is impacted. 
The company is Progressive Management Systems.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I wrote to all 3 companies about eastern account systems collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and eastern account systems showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My NYSeG XXXX was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after XXXX years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.
Consumer complaint received 2022-04-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXXT # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX 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 2022-04-19
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Equifax and XXXX is not following the ( FAIR CREDIT REPORTING ACT ) they do not want to remove these inaccurate accounts. The attachments Im submitting to you are from XXXX following the ( Fair CREDIT REPORTING ACT ) showing you that they Delete the inaccurate Accunts.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are many fraudulent hard inquires listed on my credit reports ( XXXX, Transunion, XXXX ) that I have no knowledge of. The list of inquiries below are in fact unauthorized and some even duplicated, many inquiries also duplicated with duplicated dates. The companies listed below never had any reason or permissible purpose to pull, attain or utilize my personal credit, personal credit information or credit profile/report. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALTERRA GROUP, LLC (TX)

My mortgage was being transferred from Panorama Mortgage Group to XXXX XXXX  XXXX. The process started in XX/XX/XXXX, and that is where everything started going wrong. I noticed on XX/XX/XXXX that Panorama was backing all the payments I had made up till that point out of the system and only re-entering the payment amounts, not the extra principal that I had paid. I called immediately and was assured that everything was being done correctly as they were transferring everything over to XXXX and that I would see it on that platform once I was set up ( I've not seen it as of yet ). 


Loan was transferred in XX/XX/XXXX, well was supposed to be, but nothing transferred over right, XXXX could see my name but no loan information and Panorama was telling me that they no longer had the loan. I was in limbo and the had no account to make my payments to. I believe it was XX/XX/XXXX that XXXX transferred my loan back to Panorama for them to get everything straightened out and it was later transferred back to XXXX in XX/XX/XXXX. While it was back with Panorama, I was able to pay the two payments that were due on my account, but they were put in suspension and not applied to the loan. 

My loan is now with XXXX, but the escrow that I had paid up until XX/XX/XXXX ( {$1800.00} ), is lost and no one has been able to locate it. I've been talking back and forth with both of these companies since back in XX/XX/XXXX trying to get this all fixed, I am tired and mentally exhausted at this point from being told that someone will call me back within 24 hours to never hearing from anyone and having to call back again and go through the whole scenario again with a different agent and one again being told that they will call me back within 24 hours. I have spent countless hours on the phone trying to fix this and just want it FIXED PLEASE. 

I had to pay my own taxes for last year because even though I had paid my payments and they had my escrow money to pay my taxes, THEY DIDN'T! I was charged late fees due to Panorama 's negligence and shouldn't have had to pay those out of my pocket instead of them paying them from my escrow. 

I am beyond upset, tired and frustrated with this whole mess, it has been 6 months for heavens sake. If I was 6 months behind on my payments I would be in forclosure, there would be no understanding. I know this because when I call in and the first person I get to talk to is rude to me because they see on the screen my payment hadn't been paid and don't know the story or take the time to see that I indeed have paid my payment and is the negligence on the company they work fors part not mine.