davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I rented at the XXXX XXXX XXXX. Since I moved there it was nothing but problems. For starters the gate arm constantly kept falling and one day it fell on me so I went to XXXX because I was so paranoid and scared. I gave XXXX ahead of time and constantly had to deal with stress and nightmares about the gate arm because everytime I went in and out I was worried sick. I was worried that it might fall on top if me or my kids again. On top of that the ceiling and the walls leaked water after it rained. There were areas that looked moldy. There were many many issues and I couldnt deal living there anymore so I left. I now owe about XXXX because I left but who the heck can live in such a unsafe community? I got a lawyer and there was a settlement for the gate arm accident. I tried telling the community that I couldnt not be there anymore because of the ongoing issues the nightmares and the anxiety. I asked if my debt could be forgiven and I was told no. I was told I could pay 60 % if my debt. I said I barely have money Im a XXXX mom with XXXX kids struggling but I got the funds. I asked if I could have this removed from my credit which is my main concern and i was told no. I would only have a settled debt on my credit and it will remain on my credit. How is this fair when the only reason I left was because this place was unsafe to live at. I had continuous nightmares of the gate arm falling on top of me or my kids or the ceiling falling on top of me or my kids because of the ceilings and walls that were soft from getting wet all the time. They should be ashamed of them selves for renting out a place like that and having a gate arm falling all the time. I cant have this on my credit report XXXX a mom thats XXXX with XXXX  kids and only count on my income. I cant even rent a place now and we are probably going to end up under a bridge at this point if this isnt resolved. Please help this is unjust
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I am a trustee/executor of my Dad 's estate XXXX opened a Pacific XXXX bank account in XXXX it changed to XXXX bank in XXXX. In XXXX XXXX took me to the branch in XXXX XXXXXXXX and put me on Pay upon death beneficiary. In XXXX the bank changed to XXXX bank. Somehow there are no documents or signature card for XXXX at either the XXXX branch or XXXX. The only signature card is from Pacific XXXX bank in XXXX the next one is from a conservator of XXXX when he became demented XXXX XXXX. I have exhausted my resources trying to find this document. I can not see how it could have gotten lost. I did subpoena the records of all 3 banks and nothing. Do you have any suggestions on how to find this document? Or just forget it.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I applied for a credit card increase and was denied. When I received an explanation in the mail it said I had many accounts derogatory. But I did not owe anyone any money. Then On XX/XX/XXXX while at a family get together I mentioned what had happened to me and said it was bothering me. I was told to get a copy of my credit reports. And XXXX XXXX, a former girlfriend of my previous tenant/housemate who was at the party told me that it may have been him who used my information to get credit. Once I looked at my credit report I saw my report was trashed. XXXX of the ACCOUNTS THAT I NEVER APPLIED FOR AND NEVER USED WAS CAPITAL ONE ACCT # XXXX. Date XXXX began : XX/XX/XXXX. DATE I DISCOVERED XX/XX/XXXX. TOTAL FRAUDULENT AMOUNT {$4600.00}. 

However, it gets worse! Capital One acting as a debt collector " NOTIFIED '' me of this debt at an address where I never lived : XXXX XXXX XXXX XXXX XXXX CA XXXX. 
They mailed a letter " NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' on XX/XX/XXXX to a place I did not live. I had NO CLUE I was being sued. 

On XXXX XXXX XXXX and XXXX who filed a lawsuit against me for this fraudulent debt, signed the reason for filing the complaint in XXXX XXXX XXXX was because the DEFENDANT RESIDES IN THIS JUDICIAL DISTRICT. THE ADDRESS OF DEFENDANT IS : XXXX XXXX XXXX XXXX XXXX CA however, my address WAS NEVER XXXX XXXX XXXX XXXX XXXX CA and was used to commit fraud by using my information to obtain credit cards under my name. 

MY ADDRESS HAS BEEN XXXX XXXX PLACE XXXX CA XXXX. 

On XX/XX/XXXX a DECLARATION OF NON SERVICE was filled with the court by the processes server. It stated that they attempted to serve me on XX/XX/XXXX at XXXX pm at XXXX XXXX XXXX XXXX XXXX CA but were not able to and even stated " NEIGHBOR DID NOT KNOW SUBJECT. '' The registered process server was XXXX XXXX and worked for XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act ( Account : XXXX XXXX XXXX  Account # XXXX ), has 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I had an auto loan with Prestige Financial back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called Prestige to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (FL)

Filed a claim XX/XX/2022. Requested creditor to be removed off of rental history and all 3 credit reports. Still fraudingly reporting to all 3 credit reports. Remove ASAP off of my credit report. 

See case XXXX stated they illegally tried to collect $ XXXX in debt for rental lease that was not broken and verified
Consumer complaint received 2022-08-19
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. (GA)

In accordance with the Fair Credit Reporting act ( Account, : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act ( Account, : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/XXXX I purchased an American Express debit gift card in the amount of {$250.00}. As soon as the card was activated at the cash register, there was a pending transaction for {$240.00}. and some change at a restaurant in XXXX XXXX  New York. I called the number on the back of the card and when I finally got a representative named XXXX, she told me that they can't stop a pending transaction and said to call back in a few days. I called back on XX/XX/XXXX and the representative told me I'd have to call that restaurant. I knew that wouldn't do any good. I am out the {$250.00}. on this card and it sure would be nice to get my {$250.00}. back. I live in Tennessee and purchased the card in Tennessee. The transaction was in XXXX  NY. The card number is XXXX XXXX XXXX. Expires XX/XX/XXXX and the code is XXXX. Thanks
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX Via Email XXXX Account Number XXXX Buyer XXXX XXXX XXXX Co-Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Inquiry dated XX/XX/XXXX Thank you for your recent request. Listed below is a summary of your account information as of todays date. 

Original Principal Amount : {$16000.00} Payment Amount : {$180.00} Payment Frequency : Bi-Weekly Current Principal Balance : {$1300.00} Date of Last Payment : XX/XX/XXXX Current Account Status : Active Next Due Date : XX/XX/XXXX Last Reported Account Status : Active : Current Last Reported Balance : {$1300.00} Payment Habits ( Last 24 months ) : 30 days past due XXXX ( XXXX ) ; 60 days past due XXXX ( XXXX ) ; 90 days past due XXXX ( XXXX ) Bridgecrest reports to Equifax, XXXX, and XXXX monthly. XXXXXXXX XXXX XXXX may be reached at XXXX. 

In XX/XX/XXXX, I was involved in a vehicle accident that resulted in a total loss of the vehicle. After a few months of negotiating with the insurance company, a settlement was reached in the amount of {$7500.00}. The check was sent directly to my lender XXXX on XX/XX/XXXX. In addition to the {$7500.00} settlement, I also made my monthly payment of {$400.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that was very simple and easy to understand that was established by XXXX notifying me of my next scheduled due date of XX/XX/XXXX. Unfortunately, XXXX failed to honor the XX/XX/XXXX, due date by charging off my account on XX/XX/XXXX, due to lack of payment. Although XXXX has my personal contact information, I never received a phone call, letter, or email to notify me of their intent to charge off my account. I became aware of the charge-off from an alert from XXXX indicating that my credit score has decreased. I contacted XXXX to have the error corrected, but I have not been successful in my task. I decided to dispute my credit report with all three credit reporting agencies due to the inaccurate information reported by XXXX. After waiting the required 30 days, I received a response indicating that the information was correct. I am not clear on the law or the rules about how each Credit Bureau collects and researches erroneous information in a dispute, but I am clear about the facts of the letter that I received from XXXX advising me of my next scheduled due date on XX/XX/XXXX. XXXX, XXXX, and Equifax have all failed to remove or correct my credit report, so I am searching help from the CFPB to review the facts of the letter that I received from XXXX and require all three credit agencies to remove the inaccurate information from XXXX about me from my credit report immediately.
Consumer complaint received 2022-09-13
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX 
This has caused me tremendous XXXX, stress, and financial hardship.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE : XXXX XXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF NEVADA. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of XXXX  for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus. 

FCRA consumer laws state that if information can not be verified that it must be removed. 
In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED.

4. A METRO 2 COMPLIANCE LETTER HAS BEEN SENT TO XXXX 5. A XXXX COMPLAINT HAS BEEN FILED.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX a check that I wrote to a vendor was cashed by someone other than the intended payee. I found out that the vendor had not received payment and they told me they did not cash the check. I initiated a claim with my bank on XX/XX/XXXX and both the intended recipient and me filled out affidavits regarding the situation. My bank is telling me they will close the case without me getting reimbursed if they don't have a resolution from the bank that cashed the check within 90 days ( I received this letter today, XX/XX/XXXX. At this point 138 days have passed from when I filed the claim. My bank is Chase and I have not been told who the other bank is. The check was for {$2400.00}. I don't see how this can be my problem when the bank is supposed to verify ID. I have followed up with my bank at least 10 times and have gotten no satidfaction.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I, XXXX XXXX, went in to the Wells Fargo XXXX, VA branch on XX/XX/XXXX and brought the necessary documents to file a small estate affidavit for my dather- XXXX XXXX XXXX His address was XXXX XXXX XXXX in XXXX, VA XXXX. His was a veteran. I am his only heir. His birthdate was XXXX. I had called WF priorto going in... but was not told i needeed a appt. ( I already, as his sole heir, sent in the death certificate to WF and others ) I ended up being there approximately 5 hours. I filed a fraud for transactions made on his acct after he was dead ..after being asked. I provided my birth certificate, license, death certificate, social ..my dad 's XXXX... everything. I was told a decision would've made in two weeks ..given a claim number and a phone number. I called and was told after about an hour of transfers they couldn't talk to me. Call back tomorrow and get the acct number. I asked why they had not sent a letter, email or called themselves ..and do they need more info. Just call back. So I did. Again ..the run around. I am asked for all the info... acct... birthdate ..my info... etc ... to each transfer. Then put on hold forever by XXXX ..who says they need more info. So I tell them to call me or what is it. They can't talk on phone. I have to make appt with the branch. So I call the same gentleman who filled out the info ..to see about what they need as not to extend it longer. And makes an appt for 5 days out for me to come in. Fir what? I guess to drag things along? This is approx {$6500.00}. I have XXXX XXXXXXXX and am sick. I don't want to go back in for five hours for who knows what???? With my young kids. I can struggle walk ... drive... am in pain and can't take my meds if I go in... yet again. I'm XXXX. My dad would be disgusted. He was found XXXX XX/XX/XXXX. The bank provided me a print out of the transactions after his death.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account Open XXXX XXXXXXXX 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 XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-19
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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.