davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
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: EQUIFAX, INC. (TN)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

Hello there, on XXXX I purchased a newXXXX XXXX XXXX  XXXX from XXXX XXXX Dealer. The XXXX was not what the Dealer told me. This electric XXXX take more time to charge then I was told, and it not giving XXXX XXXX  for charge, it doesnt work for service company that is on the road all day. We returned back after 2 days, on XXXX. The dealer refuse to return the money, they told me I have a loan with Ally bank that cant be cancelled. The only option is to take another vehicle. I chose a XXXX XXXXXXXXXXXX XXXX XXXX and they told me it will be with the same Ally bank but from7 % wil change to 9 % and is what the bank decide not us. After one month I want to pay the loan. Ally bank doesnt have any information about the XXXX XXXX, they have my first loan for XXXX XXXX. Ally bank sent me a letter that the XXXX XXXX XXXX financing was never approved. Ally want me to pay for The XXXX that I dont have. Ally told me to call the Dealer and inform them about this situation, they never responded to me or called back. I sent another email to the Dealer, I am still waiting. I have the XXXX XXXX XXXX that never was sold to me. Please help me with this problem, I really dont know what is the next step. Thank you
Consumer complaint received 2022-12-07
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. (MD)

Experian continues to report incorrect personal information on my credit report. 

My name should be listed as : XXXX XXXX XXXX XXXX ( All other names should be deleted. ) My address should be listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( All other addresses should be deleted. )
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I have occasionally used a XXXX XXXX ( TD Mastercard ) to make purchase at XXXX during the last year. In total I have made {$390.00} in purchases and incurred {$240.00} in late fees and {$20.00} in interest charges. This is equivalent to being charged XXXX percent. I have paid the fees and will close my account, but I want other consumers to be aware that Target/TD XXXX may be intentionally ignoring requests for automatic debit in order to earn fees. 

I have tried multiple times to set this card up with automatic debit, both online and by calling them. I connected my checking account and selected automatic debit on the website. Instead of enrolling the account in automatic debit, I have logged in multiple times to find that they charged me late fees for not manually making a payment. I believe this is an intentional practice to earn late fees. I have called the company to set up automatic debit, but I am still getting charged fees.
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (NJ)

I traded in my leased XXXX 6 months before lease end on a new XXXX lease at a XXXX dealership. The lease included provisions for the dealership to pay off the trade in in full. A month later I got a lease end termination bill for {$6000.00} from Chrysler Capital and when I contacted them they said it was probably just a delay in paperwork and not to worry about it. A month after that I got another {$6500.00} bill from Chrysler Capital and when I contacted them they lied and said I never traded in the old Jeep and that I owed this money. I have the new lease contract that proves otherwise. They say I have to pay the amount, which is not supported by any type of documentation. My remaining payments ( 6 times $ XXXX/month ) only add up to {$3300.00} so theres no way I could owe {$6500.00} even if what they said was true. These people were rude, arrogant and dismissive. The best part is that this happened 3 years earlier on my previous trade in as well, which eventually got sorted out after weeks of harassment by them. Should I have learned my lesson then? Probably. But now I have proof of a pattern of fraud, contempt and disrespect for a loyal cuStomper who always pays their bills on time. Chrysler Capital needs to be brought to justice.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Revenue Group sent me a letter to attempt to collect a fraudulent medical bill from XXXX XXXX. The bill is for {$32.00} for a virtual visit. However, the visit never took place since there was no two-way interaction or communication with a provider. This is a fraudulent bill and violation of the XXXX billing practices and the Fair Debt Collection Practices Act. I have informed this company in the past not to contact me.
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

In XXXX I was notified that as of XX/XX/2022 Truist Bank would be taking over my mortgage from XXXX. 
Since day 1 I have been trying to set up a way to pay my mortgage to them but they have given me nothing but excuses as to why their systems won't allow me to set up an account. Today I tried again and they told me that my cell phone did not pass their security measures so they couldn't set up online banking for me. I said sending me a book of payment slips would be fine as well. I just need a way to pay. They refused to send a book also. I said there.must be a way to pay my mortgage. They had no response. I did not ask to do business with this bank. I was perfectly happy with my original bank. I feel that Truist bank is purposely not allowing me to service my loan because of my low interest rate and they are looking for a way to add additional fees or foreclose on my home. All I want is a simple way to pay my mortgage like I always have.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Initiated transfer from my PayPal account to my debit card. PayPal transmitted funds to a different card on my account. The account was to a closed checking account, via a closed Debit card, that belongs to my cousin ( she uses my PayPal account. 
XXXXXXXX XXXX has repeatedly rejected the attempted transfer and attached is statement showing the rejections. 
PayPal claims the transfer was completed on their end. Attached is their statement. 
I filed a trace with PayPal, a dispute with PayPal and have had pages of messages back and forth on their message section ( no way to print them. ) The amount is {$510.00} ( after fees ) and this started on XX/XX/2022. I still do not have my money. My big question is : if PayPal really believed the transaction was completed on XX/XX/2022 why do they keep trying to submit it to the bank, day after day after day. 
Please help
Consumer complaint received 2020-05-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am currently repairing my credit and only wish to be treated fairly. Once I disputed the inaccurate information equafix took my score down 21 points the day after my disputes. They penalised me for disputing before the investigation was complete. They also had one of my accounts showing closed that is actually in good standing and yes I did contact the creditor to make sure it wasn't on their end. I'm currently working on getting a house for my family and things like this can only hold me back. I deserve all of my points and accurate account information to be stated on my report.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2022-10-11
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. (TX)

In accordance with the Fair Credit Reporting act - # 1 XXXX and the Acct # XXXX have violated my rights. XXXX5 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 So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ XXXX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, XXXX  date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, XXXX  date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

# 2 - XXXX XXXX  Acct # XXXX This is the only one reporting but XXXX and XXXX XXXX the account except for Experian so why are you reporting inaccurately? Because you guys haven't properly investigated for a matched date last active with other bureaus which is completely violated.

# 3 - XXXX  Acct # XXXX Why date last active is different dates shown as XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian please remove this because it is inaccurate. I've uploaded for proofs in the attached documents.
Consumer complaint received 2022-05-18
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/1995 XXXX Experian XXXX XXXX XXXX XXXX. TX XXXX You are breaking the law. Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : If you choose to not take my request into consideration, I will have my information removed from your database. I will no longer do business with you or any financial institutions that pull information from you. Your company has practiced unfair reporting methods. You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me.
Consumer complaint received 2022-04-29
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. (TX)

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.

US DEPT ED XXXX, DEPTEDXXXX XXXX*, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : ACS 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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. (NC)

The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (FL)

I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.
Consumer complaint received 2022-11-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 and CARES ACT. 

XXXX XXXX XXXX account # XXXX Opened XX/XX/2013 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They are also in violation of the CARES ACT.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit percentage has not been updated currently. I had the same credit score for almost two months with no updated account information. I paid off all collections accounts in full within the 2 year agreement. Over XXXX points was taken and promised to be put back on my credit report by creditors if I paid within the time. All my credit accounts are paid below 30 percentage. XXXX XXXX XXXX XXXX  trans union, XXXX, XXXX is not updated my credit score. My perception is that I am being discriminated against because I am XXXX over XXXX. This is hindering me from getting any future credit cards, loans, to purchase a home etc. if I were to use any accounts they would decrease my score in minutes.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

Chase bank withdrew all the funds from my checking account, totaling over {$5500.00} and closed or suspended the account and are not responding to calls to resolve. Around XX/XX/XXXX and XX/XX/XXXX, deposits were made to my checking account comprised of checks and money orders paid to me as rent on some units I own personally. The deposits were each help for around 14 days, then cleared. When the second group of deposits cleared around XX/XX/XXXX, I attempted to transfer the funds to another account and was not allowed to transfer. That evening, the account showed that all the funds had been withdrawn, totaling over {$5500.00}. When I called, after being on hold for over half an hour, I was told all they could tell me was that it was done by a Chase employee and they confirmed it was not due to insufficient balances on my other accounts. They gave me another number to call during business hours. Upon calling the next day and being on hold for nearly 40 minutes, I was told the deposits were flagged a suspicious because of so many money orders from different people, but they would not provide details on which money orders caused them concern. I spend over 2 hours on the phone giving them the phone numbers of my tenants, only to have them tell me they were only able to reach one individual, but even that conversation was not sufficient. They instructed me to have my tenants return to the place they got the money orders, cancel them and give me the funds by another means. This would incur cost and inconvenience for my tenants at a time when people are already stressed and low on cash, besides the fact that the bank already reported the funds as cleared so they likely could not be reversed. They said a manager would call me by end of day, but I received no call. I have not tried to call back daily and they are not giving additional information or attempting to resolve their concerns, just holding my money and the account in limbo. This was all done with no proactive outreach by Chase to resolve their concerns prior to taking action. They have also removed all access to statements and transactions related to the account.