davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, XXXX and TransUnion as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.
Consumer complaint received 2023-02-06
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-06-17
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: Experian Information Solutions Inc. (GA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX  Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX  Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX  Failure to perform an investigation per fcra regulation
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I wired {$41000.00} to XXXX to purchase equipment I won in an online auction ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I wired another {$45000.00} to XXXX for vehicles I won in another auction ( XXXX XXXX XXXX and a XXXX XXXX XXXX ). About two hours after sending the second bank wire, I received information that let me realize that I was a victim of the XXXX, XXXX XXXX Scam. 

I immediately contacted the FBI field office in XXXX XXXX and file a report. The FBI officer advise me to contact my bank and ask them to retrieve the bank wires. I contacted JP Morgan Chase Bank immediately and explain the situation in detail. I told the bank representative I was defrauded {$85000.00} and the FBI officer told me to ask the bank to retrieving the wires. The representative told me she filed a report and gave me a reference number ( Ref # XXXX ). She also explained that it was not 100 % guarantee that they will be able to retrieve the wires, but my chances were great because I reported the fraud early ( the same day ), and the wires were sent to another JP Morgan Chase Bank so they have more control over the process. She told me the bank will contact me within the next day or two with a follow up report on whether they were able to retrieve the wires. Below is a timeline of the actions/activities since my initial bank report to JP Morgan Chase Bank on XX/XX/XXXX : XX/XX/XXXX - I did not hear from the bank so I did a follow-up call on XX/XX/XXXX. I was told that they could not find the report and I need to file a new report with the Wire Research Department. I filed a new report. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. 

XX/XX/XXXX Update report to add a XXXX  XXXX XXXX bank account that the Scammers were using. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. Also ask for update and state we need to act immediately and freeze the Scammers bank accounts because they will disappear the next day. 

XX/XX/XXXX Receive update from JP Morgan Chase Bank saying they are still working to retrieve the bank wires. 

XX/XX/XXXX Finally got another response from JP Morgan Chase Bank saying they request the wires to be returned but have not heard back from the Scammers so I should try and contact the Scammers to resolve the matter. 

XX/XX/XXXX I followed up with a response to JP Morgan Chase Bank to let them know I was very disappointed with their handling of the situation. 

XX/XX/XXXX Receive a response from JP Morgan Chase Bank saying they will continue the process of asking the Scammers to return the wires. 

XX/XX/XXXX Receive another response from JP Morgan Chase Bank saying the Scammers bank account is closed.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the TransUnion are required byfederal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The TransUnion failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I applied to Citizens Bank to take advantage of their Citizens Bank Education Refinance Loan I have never missed a payment on any credit issued in my credit history. I am up to date on all credits issued. I have a credit score of XXXX and I was denied an Education Refinance Loan. I feel that Citizens bank has violated the regulations of the Unfair and Deceptive Acts and Abusive Practices I feel they have Bait and Switched what they claimed would be a chance to repay my student loan in a timely matter. When I called to ask questions I was told by the person on the phone " Well it looks like you have XXXX options to repay your loan, borrow the money from a family member, win the lottery, or die '' I feel this was a way of them saying that they do not think that my life or my wanting to better my financial situation is worth the time to actually look at my credit report and see that I should have been approved for this loan, and with out a shadow of a doubt that repayment would be fulfilled according to the terms of the loan. I find the way that I was spoken to on the phone and the way that my application was denied with my great credit history and payment history again is violating the Unfair and Deceptive Acts and Abusive Practices regulations and a Bait and Switch scam.
Consumer complaint received 2022-06-17
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. (SC)

need to remove my personal information that i dont want on my credit report.According to fair credit reporting act XXXX usc XXXX have the right to privacy.Also according to XXXX usc XXXX no XXXX innstitution is suppose to share my information to third party people. 

these are clear violations of my federally protected consumer rights
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (AZ)

I initially applied for an XXXX XXXX through XXXX bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. XXXX responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to Spring Oaks Collection as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from XXXX saying I am not responsible to Spring Oaks. Today I received an email from Spring Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. 
Please see all attachments.
Consumer complaint received 2020-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

This is a VA Loan XXXX XXXX is a Veteran. We talked to BSI Financial Servicing around XXXX, 2019 and several several several years several times prior and asked if we could speak to the department that handles Modifications they said they do not do Modifications. We wanted to do a Modification of the VA Loan from 6 % to the current market rate 4 % or what ever is was at that time. We did not want to change any of the terms other than the interest rate as we have only 6 to 8 years to pay this loan off. They said they only do refinances for a 30 or 15 year loan. We were struggling at that time as the XXXX XXXX XXXX XXXX was taking a down turn in which we work. 

Our prior professions were in the XXXX XXXX XXXX I worked in this profession for over 36 years XXXX XXXX, XXXX XXXX, whether it was a XXXX, XXXX, XXXX or XXXX. I have closed more properties that you can imagine.

Now we are really struggling due to the Cornavirus Pandemic and the XXXX XXXX XXXX is the worst it has ever been, gas stations are selling gas where we live at {$120.00} per gallon. We have been calling the for the past few months and leaving detailed messages the recording says they will call you back in one business day. They have never called us back and the recording will hang up on you. They also messed up our escrow account last year and this year they increased our monthly {$300.00} that is crazy they said they were sorry, they have also messed it up in the past several times. We have worked hard to get this house paid off not to increase the mortgage. We asked them how is the owner of the loan and the phone number, address and could not get a answer from the. The prior servicing co. was XXXX  XXXX XXXX we never had any problems they are one of the best banks and lending companies. We are not going to go on their web sites as the are just a bill collector wanting more information. BSI Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX they need to get it together and been more professional. We need help from you on getting them straight and doing our Modification or the Owner of the loan. I used to XXXX XXXX XXXX XXXX for lenders and work with the client to sign and record it of record. It only take a few minutes to XXXX XXXX XXXX. Please help us we want them to do the right thing or lead us in the right direction. We wish they would respond as follows : Thank you for your sacrifice, your bravery, and the example you set for us all. In short, thank you for your service! To all those who have served, and those who continue to serve. Kindest regards XXXX & XXXX XXXX - XXXX. VA rates are about 3.500 % now. We are not in this for them to make more money from us but to lower the VA rate and pay this loan off. Its secured by a VA Certificate of Eligibility.  We need your help. XXXX & XXXX XXXX - XXXX
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 2022-06-17
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (GA)

Creditor Name : Bridgecrest Account # : XXXX Date opened ( XX/XX/18 ) 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 
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.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX, NA 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 2020-04-28
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$180.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXXXXXX {$780.00}
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (NC)

I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
Consumer complaint received 2022-06-17
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. (AL)

XXXX XXXX XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-17
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. (AZ)

I am making this complaint against TransUnion, XXXX, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.