davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MI)

My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX
Consumer complaint received 2021-06-16
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: Fidelity National Information Services, Inc. (FNIS) (IL)

The Company ChexSystems continue to report inaccurate information in the file that they maintain under my SSN. I have sent numerous certified letters asking this company to remove this information as this information is not correct. The company refuses and continue to validate a debt that I do not owe nor have I ever owed to this company. They claim that I owe XXXX XXXX XXXX an amount of {$230.00} for alleged account abuse. They have not provided me any information that bears my wet ink signature to show proof that this is a debt that I owe. I received from ChexSystems a itemized bank statement from XXXX XXXX XXXX XXXXhat continues to state that this is my debt. This does not prove any validity to there claim and I am aware that a printout of a bill or itemized document does not constitute verification. I have written ChexSystems several times attempting to correct erroneous information on my credit report. I know they received my written dispute letters because I sent the letters using registered mail and requested signature receipts. The last dispute letter I sent to ChexSystems was delivered registered mail on XX/XX/2021. My attempts to correct my credit report administered by this company have been unsuccessful. Therefore, I am filing a complaint for your intervention. I have requested the information below to be corrected in accordance with the Fair Credit Reporting laws, but ChexSystems has not complied.
Consumer complaint received 2024-11-29
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over the last few years I have multiple claims with Bank of America requesting reimbursement for charges related to a bank error ( s ). Despite the bank acknowledging the errors, they continue to deny the majority of my claims. However Bank of America has been posting " Credit Adjustments '' to my account for approximately the last eight ( 8 ) months and refuses to tell me where the adjustments are coming from. I've called several times and requested details or a detailed statement informing me why I was receiving these credit adjustments and they refuse. I informed them that it was illegal to run money through my account and not tell me where or why they were doing this and nobody knows the source of funding. I am on XXXX XXXX XXXX  right now and I am under very strict income requirements, I am unable to explain this income and the bank refused to assist me. The pre-paid XXXX cards division of Bank of America doesn't follow any of the rules or laws ( state or federal ) set in place to protect consumers. Bank of America is also FAILING TO UPHOLD THE ACTIONS IMPOSED ON THEM BY THE O.C.C. ON XX/XX/2022 PER THE SIGNED CONSENT ORDER.
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

IN REGARDS TO COMPLAINT # XXXX. THAT WAS CLOSED. NEEDS TO BE REOPENED. THE COMPANY " XXXX '' STATED THAT THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTIONS ACCORDING TO XXXX XXXX XXXX. " XXXX '' HAS ADMITTED TO CREATING A DUPLICATE ACCOUNT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) I AM A NATURAL PERSON. " XXXX '' IS IN VIOLATION OF PURCHASING A DEFAULTED DEBT. UNDER XXXX XXXX XXXX ( G ) AS A FEDERALLY PROTECTED I REQUEST ALL DOCUMENTARY EVIDENCE UNDER XXXX XXXX XXXX OF SUCH CONTRACT EXISTS WITH MY SIGNATURE, DATE OF ORIGINAL CHARGE OR DELINQUENCY., AMOUNT PAID FOR THE DEBT THAT " XXXX '' ADMIT TO PURCHASING WHICH THEY ARE IN THEIR RIGHTS BUT MY INFORMATION WAS COMPROMISED AND THIS IS AN INFRINGEMENT UPON MY CONSUMER RIGHTS. YOU ARE ABLE TO REQUIRE ABOUT CONSUMERS LOCATION INFORMATION PURSANTED TO XXXX XXXX XXXX ( B ) FROM A PERSON CLOSE TO ME WHO DID YOU COME IN CONTACT WITH? THIS IS CALLED DEBT PARKING. I REQUEST A XXXX XXXX XXXX AUDIT XXXX XXXX XXXX ( XXXX ) ( A ). NO CONTRACT NO CONSENT IS IDENTITY THEFT, AS I WILL BE FORWARDING TO THE FTC. CLEARLY IN VIOLATION OF XXXX XXXX XXXX ( A ) AGGRAVATED IDENTITY THEFT. AGAIN CONSUMER DISPUTES THIS DEBT AND ALL CLAIMS IN ACCORDANCE OF XXXX CFR XXXX, TITLE XXXX XXXX XXXX, REGULATIONS Z AND REGULATIONS M. AS TO I WAS NOT NOTIFIED I HAVE A RIGHT TO KNOW WHAT THEIR COMMISSION IS IF THEY ARE SUCCESSFUL IN THE COLLECTION OF SUCH DEBT PURSUANT TO XXXX XXXX XXXX ( C ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( A ) ABUSIVE PRACTICES AND XXXX XXXX XXXX ( J ) XXXX XXXX XXXX XXXX Chapter XXXX, engaging in counterfeiting and such behavior is a felony according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) if a company has filed a XXXX they have committed XXXX XXXX  and should be reported to the IRS XXXX under XXXX usc XXXX ( XXXX ) ( b ) no right to collect. if you are not affiliated with the united states XXXX and you are or are working with a private attorney. until you can produce a contract to collect services under XXXX XXXX XXXX you can not collect ant debt in the united states XXXX to XXXX XXXX XXXX CEASE AND DESISTS IN YOUR UNLAWFUL FURNISHINGS AND REMOVE FROM " ALL '' REPORTING AGENCY IMMEDIATELY. FOR MY EVIDENCE TO PROVIDE TO ANY COURT PROCEEDINGS I REQUEST XXXX FORM PLEASE SEND BACK ALL REQUESTED ITEMS LISTED HERE IN COMPLAINT
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a XXXX store credit card issued by Capital One on XX/XX/XXXX. After a couple of weeks I still had not received my card. I called Capital One & this is where the first lie was told. I was told it takes 30 days to receive a new card. Then the rep proceeded to tell me my statement had already been cut and it was mailed out on XX/XX/XXXX. She also told me my due date was XX/XX/XXXX. After still not receiving a credit card or a statement I called Capital One on XX/XX/XXXX. The rep told me that she doesnt know why I was previously told it takes 30 days to get a card. She said that is not true, she said it takes 7-10 days. She then said the address for me in their system was incorrect. She updated my address to the correct address and she said she re-issued my statement and also re-issued me my credit card. I did receive my statement but I STILL HAVE NOT received my card. I called Capital One again on XX/XX/XXXX demanding to have my card overnighted to me. Before that I was told cards take 46 days to arrive. I demanded to speak to a supervisor. Supervisor verified my address and could not tell me why I dont have my card. She said she could reissue another card and send it 2-3 day priority mail. I then paid my bill over the phone with her. On Wednesday XX/XX/XXXX I called Capital One again and I was told they dont have the capability of sending cards out 2-3 day mail. She said they only send standard mail 4-7 days. I informed rep I am tired of Capital Ones lies and I will be filing a complaint with XXXX and CFPB. Capital One is already reporting me to all 3 credit bureaus, they took my money and they REFUSE to send me my credit card!!!
Consumer complaint received 2021-04-14
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. (WA)

An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and transunion to remove from my account and have not removed it. the account added is XXXX XXXX creditor is XX/XX/XXXXthis was never my account I am requesting this account be removed immidiately
Consumer complaint received 2019-03-21
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. (MI)

DURING THE TIME I WAS IN A HOSPITAL, MY VEHICLE WAS AT AN IMPOUND LOT RACKING UP STORAGE FEES AND MY VEHICLE WAS SUBSEQUENTLY AUCTIONED OFF AS I WAS STILL IN THE HOSPITAL AND UNABLE TO LEAVE. 

IN MY VEHICLE, WERE MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS AND XXXX AND XXXX AS I WAS PREPARING TO GO OVER MY TAXES AND SEE IF I MISSED OUT ANYTHING. 

WHOEVER RECEIVED MY VEHICLE AND THE PERSONAL IDENTIFICATION DOCUMENTS AND CREDENTIALS DID NOT SECURELY DESTROY THEM AND IT ENDED UP IN THE HANDS OF FRAUDSTERS WHO SPENT OVER USD 5000+ ON EACH OF MY CREDIT CARDS THAT I PAY IN FULL EVERY MONTH SINCE 1998. 

I HAVE NEVER HAD XXXX INTERNET INSTALLED IN MY HOUSE AS IT IS SLOWER THAN CABLE OR FIBER AND SO I DO NOT KNOW HOW AN XXXX XXXX XXXX XXXX COLLECTION ACCOUNT APPEARED ON MY CREDIT HISTORY AS A COLLECTIONS. 

THE PERSONS WHO GOT A HOLD OF MY IDENTITY DOCUMENTS MAY HAVE LISTED ME AS A GURANTOR OR LISTED MY ADDRESS AS THE BILLING ADDRESS FOR SERVICE SOME WHERE ELSE. 

THIS HAS ALL BEEN REPORTED TO THE US POSTAL INSPECTION SERVICE ABOUT THIS IDENTITY THEFT WHICH THEY ARE INVESTIGATING. SEE ATTACHED REPORT.
Consumer complaint received 2023-04-05
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: JPMORGAN CHASE & CO. (NY)

JPMORGAN violated 15 USC 1681i by failing to do a reinvestigation and is liable under 15 USC 1681o. A letter was mailed certified mail to XXXX ( XXXX reporting agency ) XX/XX/2023. XXXX opened account disputes XX/XX/2023. Report number XXXX. Jp morgan was suppose to do a reasonable investigation but negative information is still reporting on my consumer profiles.
Consumer complaint received 2023-04-05
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: Navient Solutions, LLC. (CA)

I am writing this complaint to NAVIENT. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had XXXX $ in Bank of Amrica. It is an Account just for savings. So I never used that account. In 2020 somebody could access to my acount and made lot of XXXX and transactions and took all the money. I went to Bank of Amrica and said it was not me, but they haven't refund my money. They are responsable for not having a secure system. So I need my money back.
Consumer complaint received 2019-03-21
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. (NY)

I have contact transunion with the inquiry more than 48 and they havent remove them I have spoke consumer services told them it was fraud and still they do nothing
Consumer complaint received 2023-04-05
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: Resurgent Capital Services L.P. (TX)

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. 
The fraudulent accounts are LVNV Funding {$14000.00}, LVNV Funding {$1100.00}, LVNV Funding {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I co-signed on my husband 's student loan with XXXX, when he graduated the loan was transferred to Firstmark Services. Since Firstmark Services has received our loan, we have had nothing but trouble. They tried to make us make a payment prior to the end of the 6 month grace period, they provided incorrect information to both me and my husband on separate calls. Furthermore, after my husband made a payment by phone in the amount required by the caller, I received collection calls stating that we still had a past due balance. After multiple requests for a break down of the payments, I still have not received such information. Now again, after making a payment, we logged into our account saying we have a past due balance. 

We enrolled in interest only payments in XXXX, but have consistently received statements requiring principal and interest payments. Based on our XXXX statement, interest only payments should be around {$170.00} ( give or take a dollar or so ), but the current amount due shows {$280.00}.

Loan 1 Principal Balance {$15000.00} Interest Rate 11.49 % Daily Interest {$4.00} XXXX Daily Interest * 30 Days in the billing cycle = {$140.00} Loan 2 Principal Balance {$2900.00} Interest Rate 9.44 % Daily Interest {$0.00} XXXX daily interest * 30 Days in the billing cycle = XXXX  Total Interest Only Payment for Loans 1 & 2 = {$170.00} This company violates the UDAAP by not producing the documentation to support the payments they are requiring and demanding more than what should be due. Looking at the XXXX reviews, I can see this is common practice with this company. I feel as though they are taking advantage of their customers. If we weren't so thorough with our bills, their deceptive acts would have caused us to over pay twice since XXXX. My husband and I just had a baby and are not made out of money, their abusive acts could have caused substantial injury in our lives. Please feel free to contact myself or my husband if you require further details regarding my complaints.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year>
Consumer complaint received 2022-08-15
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report and saw an inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my XXXX XXXX and causing unnecessary stress.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (PA)

To whom this may concern, CoreLogic illegally furnished fraudulent reports without my knowledge or consent infringing upon my right to privacy pursuant to 15 U.S.C.1681b, 15 U.S.C . 1692e, and 1692d false and misleading information in my consumer file/report. This information was in turn supplied to XXXX as well as XXXX XXXX XXXX. A clear breach of my privacy has taken place under the guise of : " credit risk assessment ''. I am demanding that this information be removed and ask that Remedy be sent through mail.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (VT)

In XXXX of 2021 Bridgecrest placed my vehicle for repossession without warning or any way of settling the unpaid balance to avoid repossession. When I contacted them to settle the debt the first rep could not help me, I was transfered to a supervisor who told me if i paid the past due balance they'd cancel the repossession. I needed to wait one day to be able to make the payment, when I called back the next day they would not accept my payment even though the supervisor had made the guarantee to me. Bridgecrest repoed the vehicle in XXXX of 2021.
Consumer complaint received 2022-04-12
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-12
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. (NJ)

I previously filed a complaint and you Consumer financial protection bureau didnt file my complaint because you think someone other then me filed this complaint I attached proof of your letter I received though the mail. Please once again remove this account that was fraudulently obtain in my name next step will be a law suit please submitted my inquiry for a investigation on this account thanks again.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IN)

Late XXXX I traded my car in, XX/XX/XXXX payment in full ( check # XXXX ) was sitting in TD Auto Finance 's XXXX XXXX ( got from their website ) sent from dealership certified mail. Middle XXXX TD had not cashed check and reported on credit report as late. Called TD gave them dealer info. Dealer had to cancel first check, send new check ( certified ) to an address in South Carolina. TD signed for check on XX/XX/XXXX ( check # XXXX for {$18000.00} ) TD held check until XX/XX/XXXX then charged off loan on XX/XX/XXXX. XX/XX/XXXX TD reported a charge-off in the amount of {$17.00} claiming is was interest on the loan that was charged during the time they refused to go to the Post Office and get the original check ( check # XXXX ). XX/XX/XXXX TD reports " Paid, was a charge-off ''. which is incorrect and fraudulent.