davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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. (FL)

as i was reading my consumer rights i saw that the bureaus have 30 days to respond to my disputes. I sent a letter on XX/XX/21 and i have yet to hear from them and it has been past 30 days. This is a direct violation of FCRA and my consumer rights. I demand these accounts are deleted. 

I have attached proof of address and license.
Consumer complaint received 2021-08-17
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. (MO)

Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. Missouri Div Chld Supprt
Consumer complaint received 2021-08-17
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. (NY)

I have called EQUIFAX and I explained to them about the inaccurate information on my consumer report and I demanded them to permanently DELETE/REMOVE the closed negative items accounts and they refused to do so. I also explained to them that I am a consumer ( natural person/creditor ) pursuant to 15 USC 1602 ( e ) and 15 USC 1602 ( g ). I demanded these deletions based on my federal protected consumer rights and they was nonchalant about the matter for which these items are affecting my reputation and destroying my character as a consumer. 
Also, while on the phone with EQUIFAX, I made it clear to them that NO consent was NEVER given to them ( EQUIFAX ) pursuant to 15 USC 1692b, I proceed to demand for these DELETION due to the violation they committed on my consumer report and explained to them that they was in violation pursuant to : 15 USC 1692b ( no consent was given ), 15 USC 1681 ( a ) ( 1 ) ( 3 ) ( 4 ), 15 USC 1681 ( 2 ), 15 USC 1681 ( 3 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( B ), 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( B ), 15 USC 1681a ( e ) ( failed to deliver proof of verification of alleged debt ), 15 USC 1681a ( 2 ), 15 USC 1666a ( B ), 15 USC 6821a ( violation of privacy protection ), 15 USC 6821a ( 1 ), 15 USC 6821a ( 2 ), 15 USC 6821a ( 3 ), 15 USC 6821b 15 USC 1692b ( 2 ), 15 USC 1681 ( a ) ( e ).

EQUIFAX fall under the term of Financial Institution pursuant to 15 USC 6827 ( 4 ) ( B )
Consumer complaint received 2021-08-17
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)

XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, XXXX, and Experian. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC (CA)

I received a letter from D & A Services , LLC for a debt that is not mine. The amount of {$2800.00} from the original creditor XXXX XXXX XXXX XXXX and current creditor XXXX XXXX XXXX XXXX XXXX, XXXX are banks I have never worked with or received loans from. 

The D & A account number is # XXXX and the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Either they have the wrong person or someone else used my information.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

MY BANKRUPTCY HAS BEEN 3YRS DISCHARGE, ALL CREDIT CARDS CLAIMED ON THAT BANKRUPTCY IS STILL SHOWING 14 LATE PAYMENTS, STILL STATING POTENTIONALLY AT RISK, MEANING ME THE FUTURE CLIENT, BELOW ALL THAT RED DEROGATORY COMMENTS, I HAVE NEVER BEEN LATE AFTER THE BANKRUPTCY AND NEVER BEFORE THE BANKRUPTCY. I HAVE BEEN ASKING, FILING COMPLAINTS TO THE THREE MAJOR CREDIT BUREAUS, XXXX XXXXXXXX XXXX  ABOUT THE BANKRUPTCY ACCOUNTS THAT NEVER SHOW BE SHOWING 14 LATE PAYMENTS, THAT IS WHY I HAVE SO MANY INQUIRES WONDERING WHY I KEEP GETTING DENIED, UNTIL I SPOKE TO A XXXX  MANAGER SHE TOLD ME I WAS DENIED BY XXXX  BY HER, DUE TO THE CREDIT BUREAUS STATING, DEROGATORY LATE PAYMENTS, AND BANKRUPTCY, SHE TOLD BE GO BACK TO THE BANKRUPTCY LAWYER HAVE THEM UPDATE YOUR CREDIT PROFILE, SHE ALSO TOLD ME YOU CAN ONLY HAVE ONE OR THE OTHER WHEN CLAIMING BANKRUPTCY YOUR EITHER DELINQUENT OR YOU HAVE BANKRUPTCY. BANKRUPTCY IS SUPPOSE TO ALLOW YOU TO HAVE A FRESH START AS THE TIME AGES FOR DISCHARGING ALL. YOUR CREDIT BUREAU REPORTS SHOULD NOT HAVE YOU STATING LATE NOR POTIENTALLY A RISK. **WHAT ELSE AM I GOING TO DEAL WITH, THIS HAS LEFT ME TO FILE A COMPLAINT ON ALL THOSE WHO STILL HAVE MY CREDIT 14LATE PAYMENTS, ALL MY REQUESTS WITH THE 3 MAJOR CREDIT BUREAUS, ALL THE INQUIRES AND COMPANIES DENYING ME CREDIT GOOD COMPANIES, INSTEAD, I GOT CREDIT SURE, BUT I PAY A HUGE PRICE OF THE BANKRUPTCY AND THE STILL DEROGATORY LATE 14 PAYMENTS THAT STILL SHOW ON XXXX  , XXXX  , XXXX  , AND THE BANKS THAT DEAL WITH FIRST TIME HOME BUYING PROGRAM I AM IN THE PROGRAM. I AM XXXX  YRS, STILL NEVER HAD MY FIRST HOME, AND HAVE PAID DEARLY FOR ALL MY DEBTS, 100X 'S OVER!!, NOW I AM REQUESTING AND WANT ALL THOSE DEROGATORY 14 LATE PAYMENTS REMOVED, AND THE CURRENT ONE THAT XXXX  STILLS SHOWS THE XXXX  FROM XXXX, I HAVE NOT BEEN LATE THE SUPERVISOR XXXX CORRECTED A HUGE ERROR HIS CUSTOMER SERVICE DID WITH THE DATES OF PAYMENTS AND NEVER CHANGED IT TO THE CORRECT STARTING DATE FOR THE COVID HARSHIP PROGRAM AND HE REFUNDED MY XXXX THRU HIS SIDE OF THE ACCOUNT MANAGEMENT TEAM. WHY IS IT THAT IT STILL SHOWS I AM 30-60 DAYS LATE AND THE XXXX ** NOT ONE COMPANY! NOT ONE CREDIT BUREAUS WHO SUPPOSED TO BE THE MAJOR 3 CREDIT BUREAUS, WELL THEY NEED TO REDO THEIR WAY OF CORRECTING AN UPDATING MY CREDIT HISTORY** THEY ARE NOT ON THE SAME PAGE!! I KEEP STATING THAT!!., THEY DO NOT MATCH INFORMATION WITH ANY SEARCH ENGINE, XXXX XXXX, OR XXXX  OR XXXX NOTHING ...!!! NOT AT ALL, THIS IS XXXX I FEEL LIKE I AM STILL BACK XXXXXXXX XXXX DEALING WITH MY CREDIT AND DISPUTING!! OVER AND OVER THE SAME THING.. MY PHONE XXXX MY EMAIL XXXX!! MY NAME IS XXXX XXXX!! MY CREDIT SCORE SHOULD HAVE BEEN OVER 740!! AND UP!!
Consumer complaint received 2021-08-17
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. (MD)

I have found several errors and violates on my credit report. My consumer rights are being violated according to various consumer laws. I have filed a ftc report previously and 5 accounts have reappeared. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) the credit reporting agencies can not reinsert items.

There I no permissible purpose for the furnishing of these accounts 15 USC 1681b ( a ) ( 2 ). Also according to 15 USC 1681 a ( 3 ) Identity theft is fraud committed using identifying information of another person. According to the FCRA definition these accounts are definitely identity theft
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: EQUIFAX, INC. (NV)

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 2021-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

CHASE JP Morgan was named the Trustee and Beneficiary of a Trust Deed document number XXXX XXXX entitled substitution of trustee Deed of Reconveyance recorded XX/XX/XXXX. 1 ) Require CHASE JP Morgan to reveal it's involvement as a trustee and beneficiary ; 2 ) reveal the description of the collateral used, i.e. real property single family dwelling commonly known as XXXX XXXX XXXX, XXXX, California XXXX OR personal property i.e. vessel, mobile home? ; 3 ) describe the obligation involved, i.e. consumer mortgage loan funded by a credit grantor ( one that extended credit, provide the name of the credit grantor ), a construction loan ( line of credit account ) name of party, or other description such as an inheritance ( personal property-legacy asset or Devise ( Real property single family dwelling ). Provide account information of testator ; 4 ) Require CHASE/JP Morgan to reveal if it had any involvement in a Judicial Foreclosure Proceeding sometime in XXXX of XXXX relating to real property single family dwelling commonly known as XXXX XXXX XXXX, XXXX, California XXXX or Inheritance matter of personal property ( Legacy Case ) or inheritance of real property single family dwelling matter.
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: EQUIFAX, INC. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I had sent a wire transfer for {$6400.00} from my Citibank checking account to my sister in XXXX. On the transaction receipt it was mentioned that the money be available by XXXX XXXX or even sooner. As of today ( XXXX/XXXX/XXXX ) neither my sister received the money, nor the money has been returned to my account. I called Citibank around XX/XX/XXXX to check the status of the wire. I was told to provide my place of birth and proof of my citizenship. Per the requirements I had provided copy of my US passport and disclosed my place of birth. I have made several calls ( calls dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Citibank Wire Specialty Unit and every time I called I got a totally different answer or information from a Citi rep :. 

What I understood that the wire was blocked for XXXX reason as my name is " XXXX XXXX '' and the money was going to XXXX. But Citi never confirmed that me and told me that the money was released and held in XXXX. My sister checked with her bank, XXXX XXXX XXXX XXXX XXXX ), and she was always told that the money never made to XXXX. 

All I want that either the money credit to my sister account, or return to my account. I has been over 100 days and no one at Citibank seems to track the wire. It is hard to believe for a bank like Citi to having difficulties tracking the wire. This delay makes me believe that Citi is not treating me right. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with Experian but i was told i could not do so becaise XXXX reported the address. I then immediately contact XXXX to advise this was not my address and i did not know where the address came from. I was told by XXXX my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both Experian and XXXX and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation (MN)

US DEPT OF EDXXXX XX/XX/XXXX {$10000.00}, XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$3800.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1900.00}, XX/XX/XXXX $ XXXX {$32.00} THIS COMPANY IS REPORTING INACCURATE INFORMATION SUCH AS MY NAME MY BIRTHDATE MY SOCIAL MY ADDRESS AND WHAT SCHOOLS I ATTENDED. I HAVE CONTACTED THEM NUMEROUS TIMES CALLING SENDING LETTERS ETC. THIS COMPANY HAS SEVERAL MISSPELLINGS OF MY NAME SEVERAL SOCIALS AND MULTIPLE NAMES THAT DO NOT BELONG TO ME.I AM UNABLE TO OBTAIN ANYTHING IN MY NAME OR ASSIOCIATED WITH MY NAME DUE TO THESE INACCURATE INFORMATION
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA charged me {$240.00} on XX/XX/2021 for accessing my own money, contrary to what i was told by USAA Representative that it was my money and i could access it anyway without any USAA fees or charges. 
And on XX/XX/2021 USAA charged me XXXX cents for interest. 
Where is the balance that i owe? that i am being charged interest on?? 
For years and years, I always pay off my FULL balance, long before the due date. 
There is obviously glitches on USAA 's systems! 
Where there is no money borrow or loan or advanced or even outstanding, why am I being charged interest??? 
Why the XXXX, am i being charged fees and now interest on my very own money???
Consumer complaint received 2022-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion continues to report a public record that has not been verified as accurate which is a direct violation of 15 U.S.C.1681 Fair Credit Reporting Act.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has been charging me interest on a cash advance withdrawal from 7 years ago that's been paid back 5 times over. 
This has made it impossible for me to catch up with payments. 
They also charged me overlimit fees that they refuse to take off making it more impossible to pay on the credit card. 
This has also hurt my credit rating. 

I'm sure Capital One got PPP loans to help themselves through the corona virus pandemic. Yet, they won't help consumers in these challenging covid19 times.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Please due not mark this as duplicate as I have no other channel to report this matter before pursuing legal counsel. Please accept this complaint. 


Facts : I have disputed these accounts through each credit bureau XXXX and XXXX and the company has retaliated by placing past due payments on my credit file for debts that I dispute and do not own. 

I demand this company stop reporting false information and harassing me to pay debts I do not owe. If I am not able to resolve this, I will need this escalated to someone who can help protect me. 

This is illegal and according to Midland Fundings legal record, this is common practice to coerce people into paying unvalidated debts. I will not be bullied by this company.
Consumer complaint received 2021-08-16
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. (VA)

Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2022-07-15
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. (CA)

In accordance with the Fair Credit Reporting act 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 2021-08-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I filed a complaint against Fifth Third Bank last month because they charged me a {$25.00} service charge on a checking account with a XXXX balance. I just received a letter from Fifth Third stating my savings account was overdrawn by {$5.00}. This account has had a XXXX balance since XX/XX/21 and the service charge was applied on XX/XX/21. Just like the checking account issue Fifth Third 's online application does not appear to have a feature that allows a consumer to request the account be closed. 

Clearly Fifth Third has automation routines that create these overdraft notifications, they should also use automation to stop applying service fees on XXXX balance accounts instead of relying on consumers to go through a notification process to have these charges reversed. That would be a " Fifth Third Better ''.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I recently sent letter, dated XX/XX/XXXX to Equifax, regarding inaccurate information that they have been reporting on my credit report. That information is the following ; XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX XXXX, Dept of Education, and Child Support. Its been 45 days and i have not received any response.