davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Ref # XXXX, Due to Bank of America incompetence 's I can not used my XXXX credit XXXX This morning I placed an order for an item and my purchase was declined. Not due to any fault of my own. 
Yesterday I received a phone call from a bank representative informing me that my complaint was assigned to her, and I will not receive a response from her until XX/XX/2022. Your website states that a company has 15 days to response to a complaint. I am being penalized due to no fault of my own and my credit report will be impacted due to bank of America careless. I have waited since XX/XX/2022 through XX/XX/2022 and this issue is still not resolved. 
Neither the bank nor its representatives care that their non- action is affecting me negatively and they are not willing to do anything to resolve it. Where is the justice in this situation? I need to have this issue resolved immediately and a notice sent to the credit agencies to remove any derogatory reporting from chase bank from my credit report. I have a good credit report and score and should not be subject to any derogatory reporting. I further believe that because I am a XXXX customer, I am experiencing such bad service. As I have stated I have been trying to resolve this issue since XXXX, XXXX, XXXX and XX/XX/2022, and now I am being penalized. If I was a white customer, would I have this problem? 

Thanks XXXX XXXX
Consumer complaint received 2022-09-23
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 (CA)

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being XXXX  and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this 30day late removed as it is hindering me from the purchase of a business. I am hopeful Target will reconsider its position, because I can't see myself doing any more business with them otherwise.
Consumer complaint received 2022-09-24
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. (NC)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (WA)

I created a money transfer transaction on XE.com, on XX/XX/2022, sending {$6000.00} USD to XXXX. I deposited a draft at a XXXX XXXX XXXX branch, into XE ( continental exchange solution ) 's bank account. The {$6000.00} was debited in my account on the next day. Later on when I contacted with XE customer service, I was told they do not accept counter deposit and my deposit would be rejected. My funds would be returned to my US Bank account. However, it's already 4 and half months, I still have not received the funds. I had tons of emails and phone calls with XE customer service, they just told me they were investigating. They could not provide proof they had rejected the deposit, nor they had returned the funds. They could not provide bank tracking numbers. They just kicked ball to XXXX XXXX XXXXXXXX and would not take responsibility to complete the transaction.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of inquiries below below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  XX/XX/XXXX XXXX 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 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 I opened a chase business account online. I would have rather opened an account in person however there were no available appointments anywhere near me at a Chase branch.I funded the account, was issued a debit card and began providing the account details to merchants, vendors and my direct deposit provider. Chase also provided me a promotional code for cash back after funding and making 5 transactions. I attempted to login to Chase website on XX/XX/2022 and it instructed me to call however it was after XXXXXXXX XXXX and they were closed. I called again on XX/XX/2022 and the hold times were incredibly long to speak with someone. I waited over an hour before I had to disconnect the call to get back to work. I finally spoke with someone on XX/XX/2022 and I was told that my account had been closed because the account was opened online and a " suspicious '' email and phone. At no point did Chase call, email, or otherwise send any correspondence to me at any of the contact methods they have to let me know they needed verification. I have been a client for over 20 years so if they wanted to make an effort to get in touch with me they would have tried. The representative I spoke with on XX/XX/2022 confirmed that no effort was made to contact me about the account closure. Adding insult to injury, Chase continued to send me marketing offers via email after the account was closed. They were able to contact me to sell products but not to inform of a pending account closure. My small business has been disrupted as I have to open a new account elsewhere and redirect payments and deposits. Chase made no attempt to remedy this situation and showed zero remorse over their error, lack of effort and general incompetence in this matter. I was treated unfairly by a mega organization with virtually limitless resources. There is no recourse when they step all over the small business owner. Disrupting minority owned small businesses is not the right thing to do.
Consumer complaint received 2022-09-23
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. (NY)

To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.
Consumer complaint received 2022-09-23
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. (CA)

In accordance with the Fair Credit Reporting Act, 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 USC 1681 section 602 A , states that I have rights to privacy. 
15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.
Consumer complaint received 2022-08-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pacific Credit Exchange Corporation (CA)

XXXX XXXX freely agreed and signed a valid contract which was breached or violated : The vehicle was not promptly sold ( within 90 days of repossession ), the vehicle was XXXX on XX/XX/XXXX and sold on XXXX vehicle was not sold in a commercially reasonable manner at The XXXX XXXX XXXX XXXX XXXX XXXX referred Pacific Credit Exchange did not provide the required notices properly to my address, XXXX XXXX XXXX XXXX XXXX XXXX  Thats on my ID. I tried to pay and did't get any credit for on time payments for the 2 years I paid. XXXX XXXX referred Pacific Credit Exchange XXXX unrelated fees on the account documents, Plan to sell property show Principal Balance is {$7700.00} the Calculation after selling the property unpaid balance show {$7900.00} The debt balance is incorrect and these or FDCPA violation. XXXX XXXX has committed wrongdoing and is attempting to benefit from this. XXXX XXXX and Pacific credit Exchange keep Charge off and Writing off the debt, Counting it as loss for accounting purposes on my credit report and have Re-aged the account. XXXX XXXX sent direct mail notice on XX/XX/XXXX and on XX/XX/XXXX forcing me to pay additional money other than the debt I owe is considered an FDCPA violation. On XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX that show I made these payments and didt get any credits for on time payments XXXX XXXX referred Pacific Credit Exchange XXXX provide at least XXXX days notice before they cash any check and no Disclosure Verification of XXXX check payment that was made on XX/XX/XXXX that was required. 

Breach of contract by XXXX XXXX, Pacific credit Exchange is not the original creditor, that the contract was not properly assigned to Pacific credit Exchange. The debt is pass the statute of limitations and the debt is considered expired, XXXX XXXX Account # XXXX and Pacific credit Exchange Account # XXXX have no rights to collect the debt and I demand XXXX XXXX and Pacific credit Exchange stop reporting the debt on my credit report. NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. ( Civil Code section 2981 ).
Consumer complaint received 2022-09-23
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Someone Tried to open the below credit card with my name as XXXX XXXX XXXX. 

Account name- CAPITAL ONE Date opened- XX/XX/2022 Business type- XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (AZ)

I have disputed fraudulent activity and equifax has let the dispute go past 30 days. Confirmation number XXXX Also, I have sent a picture of my photo ID and social security card with the inquiries listed that are not mine on XX/XX/2022 with no response! The inquires are : 1. First phase visa XX/XX/2022 XXXXXXXX XXXX  XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 They have failed to remove these inquires that were placed on my credit profile without my consent! 

Also, there is a account called XXXX XXXX that shows as a derogatory remark that is not mine and has been disputed.
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy. 15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-11
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. (PA)

My name 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EXPERIAN. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to XXXX U.S.C XXXX Section XXXX and XXXX U.S.C. Section XXXX A Section XXXX, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-24
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-24
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TX)

Merchant Credit Guide has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX I sent my dispute letter thru USPS certified mail. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also, on my credit report the balances appear to be changing periodically and due to the non-response, I do not know. To my knowledge the account is inaccurate and has not been Validated
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lockhart, Morris & Montgomery Inc. (WA)

I received a phone call at XXXX on my home phone. I was awakened, as my family was still on vacation, but I missed the call. When I called back at XXXX to inquire about it, I was asked to hold, then hung up on. I still have no idea - WRITTEN or otherwise- as to what the issue is. I filed with the company 's local XXXX ( with whom they are a member I believe ), and received a canned response from their legal unit 2x telling me to contact the FTC.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank (SC)

I have had XXXX credits credit to this closed account and did not realize it until a few months ago. The bank need to check their legers to see where my money is. They have sent my account for collection and never paid it with the credits owed.