davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
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. (PA)

The LAW has clearly established that financial institutions are not permitted to sell or disclose my nonpublic information without my written instruction, consent, or permissible purpose, and that I must have the opportunity to OPT OUT. I was not given this opportunity, and this is a violation of the FCRA, GLBA, and FDCPA. 

These are the specific violations that have occurred and the laws that make these actions unlawful with a penalty and remedy if pursued in court : 1. XXXX XXXX XXXX illegally shared transactions and experiences on my consumer reports. This is a direct violation of 15 USC 1681a ( 2 ) ( I ), which states that reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. 

2. XXXX XXXX XXXX disclosed nonpublic personal information to a non-affiliated third party without providing me with the required notice under 15 USC 6802 ( b ) ( 1 ). 

With knowing the law, I DEMAND that the transactions and experiences of the XXXX XXXX XXXX account must be removed from all my consumer reports. I have registered a fee schedule with the court clerk in my jurisdiction. If this matter is not resolved within 7 days, I will take legal action, including but not limited to reporting this activity to all government entities and regulating agencies. I will seek out the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, CFPB, all applicable governors of the corresponding states, all applicable District Attorneys of corresponding states, all applicable Attorney Generals of corresponding states, and the Department of Justice to create and impose litigation and arbitration amongst all parties involved. Then I will seek legal representation ( with whom I already have an attorney on retainer ) to purse remedy based on my registered fee schedule and the unlawful acts that have occurred. My fee schedule includes the credit reporting agencies must pay me {$1000.00} per day for each day that they continue to report this false and fraudulent information. Also, after 15 days the credit reporting agencies must pay me an additional {$20000.00} in attorney fees. Additionally, XXXX XXXX XXXX must pay me {$2500.00} per day for each day that they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I thank all parties involved for taking swift actions in resolving my matter at hand and obeying the law as I am demanding this First XXXX account being removed IMMEDIATELY.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TX)

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with ACIMA DIGITAL FKA SIMP  and the XXXX back in XXXX. XXXX I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing an ACIMA account on my credit report because it is not mine and I did not open it. I'm unaware what the account is for, I only know that it appears to be a lease or installment account with an extremely large balance of {$7500.00}. ACIMA has not responded to me by mail, and I'm unaware if they have responded to XXXX since I also mailed XXXX XXXX dispute letters in XX/XX/XXXX and XX/XX/XXXX. However, XXXX completed their first investigation and did not remove the account. I advised them to validate the debt/account with documentation bearing my signature, and if this documentation was not provided I formally requested the account be removed from my credit report. My identifying information has been compromised for years now. I informed ACIMA DIGITAL FKA SIMP and XXXX that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature, and remove the account. Additionally, I've started my second investigation with XXXX, and the account has yet to be removed and ACIMA has yet to respond to me by mail with ANY documentation bearing my signature. I mailed my ACIMA letter on XX/XX/XXXX, and my second XXXX  dispute letter for the ACIMA account on XX/XX/XXXX, my first XXXX dispute letter was mailed in XX/XX/XXXX. XXXX currently has the second investigation open now, but they continue to rule in favor of ACIMA despite my request for documentation and receipt of my FTC identify theft letter.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (CA)

Contacted by XXXX XXXX - Phone No. ( XXXX ) XXXX - Regarding a debt from Washington Mutual- later Chase, from 2010. This debt was Discharged in Bankruptcy Case No XXXX - Eastern District of CA. - XXXX XXXX, Which I sent them on their " Chat Box ''. This was the only way to communicate with them - Could not talk to a Rep., Could not fax, could not e-mail. The only option was to pay all or installment amounts on their website. I later received another call from them after sending them this communication. I blocked their number on my phone, but I am concerned that they may try to proceed with some type of collection action. 

I have attached copies of my Bankruptcy info, for your review.
Consumer complaint received 2021-07-14
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. (VA)

On Multiple occasion Transunion Refuse to thoroughly investigates the public records on my report. Every single time I dispute it they told me it was verified within 24 hours. I am 100 percent sure they did not investigate the account. There is no way they could verified that inaccurate public records on my report within 24 hours of submitting a disputes. Transunion is willfully violating FCRA with absolute impunity. 
the method of investigation under fair credit reporting act ( FCRA ) section 611 ( a ) ( 7 ) for the bankruptcy record ( XXXX XXXX XXXX VIRGINIA ) on my TransUnion Credit report which was furnish and verified by Transunion. Under FCRA 611 ( a ) ( 7 ), the law afford me a right to accurate and complete investigation. I have a doubt that complete and accurate investigation was done since some of the investigation took only less than 24 hours after disputing with Transunion. The FCRA afford me a right to accurate and complete report. If the record is not 100 percent match the furnisher must immediately delete according to FCRA regulation. I do believe that TransUnion mixed up my files with somebody with similar names. Above is my information including my Names, Address ( 17 years at the above address ) and my social with DOB. Under the FCRA 1681e ( b ), furnisher must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Matching only the last four digits of my social is not a maximum accuracy and it therefore violates FCRA and recent 11th Appeal court decision. I am also requesting that TransUnion furnish verifiable proof that this record belong to me.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TN)

THESE COMPANYS ARE REPORTING FALSE ACCOUNTS ON MY CREDIT REPORT THAT I NEVER SIGNED FOR OR USED I HAVE ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT YET THEY HAVE NOT.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I had my Chime debit card stolen on the night of XX/XX/XXXX and was then fraudulently used at a XXXX  Lottery machine in a XXXX near my address at XXXX and XXXX the next morning. I file a police report and called the bank as soon as I realized the card was missing after I got off of work that day but by then it was too late and they people who stole it spent {$500.00} and made my account go into the negative {$120.00}. The bank said I could dispute the transaction but had to wait for it to be cleared in my account before I could do that. It finally cleared in my account and I disputed it but accidentally cancelled the dispute thinking I was removing the transactions from my account. I have had this account with this bank for almost four years and have never in all that time spent money on lottery much less {$500.00} in less then XXXX minutes. I have provided them with the police report and they still said that it was still me who made these transactions even though I didn't have my card and they knew I didn't have it. They also refused to give me an address for the place my card was used even after being asked multiple time on the phone and over email.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting act 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 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 2022-06-04
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. (MI)

XXXX XXXX I reached out to The XXXX XXXX XXXX XXXX via certified mail in regards to a collection account for {$1100.00} on my report I have actually reached out to this company twice in regards to validating this debt. I have no contract with this company with my signature.This company doesnt have a license to collect a debt in the state of Michigan XXXX They also did multiple soft pulls on my credit report. This company never responded both times Ive reached out. On XX/XX/2022 I decided to reach out to XXXX, Equifax, and XXXX via certified mail in regards to the collection account as well as a charge off account from XXXX  XXXX  and a few other accounts asking all three of the bureaus to validate these accounts. All three credit bureaus stated that the debts were verified I saw this information from the main websites they did not send me any of the documents that I asked for. I feel like the credit bureaus have failed in regards to treating me fairly. This has affected my credit score Tremendously and this has affecting me in regards to obtaining new credit.
Consumer complaint received 2019-10-25
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. (UT)

XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.
Consumer complaint received 2022-06-01
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. (AL)

in accordance with fair credit reporting act convergent account XXXX XXXX XXXX ON XXXX AND account XXXX XXXX XXXX ON EQUIFAX 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 aslo states a consumer reporting agency can not a account without my written instructions
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and XXXX Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX- I bought a used XXXX XXXX coffee grinder online for XXXX dollars. 
The seller confirmed my money went through via chase quickpay and then never sent the product nor is responding to me. So I have sent XXXX dollars to someone when they led me to believe they would send the coffee grinder to me. Seller is now not responding to any messages or phone calls. This is a scam - I have lost XXXX dollars and my bank chase is not reversing the transaction. I have the documentation to prove this is a scam but they will not even look at it. 


XX/XX/2021 - Spoke with XXXX XXXX fraud department multiple times and they insist they can not do anything about this transaction. This is a bank account tied to a real person and they can not reverse it? Many people are getting scammed by this person and I have the documentation to prove it. However they will not even look at the evidence. They just refuse to reverse it and refund my money.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WI)

Symphony bank has added and adsorbent rate of 29.99 % to a purchase and continues to add a monthly interest fee. I had an 18 month interest free promo and monthly payments should of paid the balance in full after 18 months. That did not happy and they added intereste over the entire purchase. I submitted two emails XX/XX/XXXX and XX/XX/XXXX and rec 'd a canned response. Called and spoke with four different Account Managers, two on XXXX, XXXX and XXXX. They refuse to work with me and I can't speak to a decision maker around the process. I paid my purchase amount in full XX/XX/XXXX and they still will not work with me on the absorbent interest. I will never get out ahead if they keep adding on monthly interest.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (TX)

please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NJ)

We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NC)

I was a resident of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in XXXX of XXXX to XXXX of XXXX. My partner and I moved out on XX/XX/XXXX because I had lost my job and my partner bought a home ; however, I gave a notice of two months to the apartment manager. I turned the keys in on XX/XX/XXXX and gave my new address. At that point, management had quit including two staff and only a new girl was at the front. The apartment was cleaned, carpets cleaned and vacated. I was told I was good to go and the apartment was in great shape. Fast forward and in XXXX I received a move-out notice months later but I had already moved out and was told the apartment was rented. Then in XXXX of XXXX as well, I received a notice to vacate with instructions and the total amount due. I sent two emails requesting feedback as I was confused. I called and no one answered or responded ( I have documentation ). Then an {$8000.00} debt showed on my credit and when I reached XXXX billing they told me the XXXX was purchased and probably made a mistake with the confusion and lack of management. This is a serious allegation and a large debt that is completely accurate. I have never left an apartment abandoned and was a good-paying tenant. I am now having to hire an attorney because this is false and inaccurate information. I was able to speak to someone at the previous company, XXXX and they have no record of anything. This is false information that is affecting my livelihood.