davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TransUnion : XXXX XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXX/XX/XXXX {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX  Account # 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 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I can not wait to return this vehicle and never deal with XXXX XXXX   again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not  figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX  or XXXX  due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (UT)

Receivables Management is reporting an account on my credit file for a debt that has been paid and settled. I recently checked my Credit and noticed this debt was showing. This debt was paid off years ago and they assured me the account would be removed from credit. However 6 years later it's still there. I need them to remove this account immediately. This debt is no longer owed and it needs to be removed from my credit.
Consumer complaint received 2021-01-22
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. (IL)

The company is reporting an account XXXX  XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with XXXX  on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

In XXXX of XXXX I filed a complaint against Chase Auto Finance regarding my loan. The complaint number for that claim is XXXX. I have been XXXX since XXXX of XXXX and I bought a policy through XXXX Insurance for XXXX XXXXXXXX and XXXX XXXX when I bought the car. XXXX has been making my payments since XXXX of XXXX. Once again, they are claiming they didn't get a check for XXXX of XXXX. XXXX at XXXX, sent that check on XX/XX/XXXX. She has sent over a copy of the check that was sent to them. Chase has charged $ XXXX in late charges and are harassing me once again about non payment, even threatening to repossess my vehicle. I have made numerous calls to Chase and I get no resolution. This is so frustrating to me as I am chronically sick, and this is causing me undue stress. XXXX is doing nothing wrong, Chase Bank is once again dropping the ball, exactly as in my first complaint.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (ME)

On XX/XX/21, I transferred {$120.00} from a Venmo payment from a friend via bank transfer. I submitted the incorrect routing number for the bank and tried to cancel or retrieve the transfer within 10 minutes. I couldnt do that on my own so I started a chat with Venmo customer support. The Venmo representative told me to contact my bank and wait 3 days, even after I told them the routing number was for a bank that was not mine ( multiple times ) and I would NOT see the money applied to my account, a loan, or a mortgage as a line of credit as they told me to expect. They told me there is nothing they can do aside for tell me to contact my bank ( even though the routing number is for a bank that is NOT mine ), wait, and contact them after 3 days if things are not sorted. The disappointing part is that a company specializing in money transfers does not have the ability to cancel or retrieve a bank transfer until after 3 days.
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-30
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. (FL)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX  XXXX Balance Owed : {$1400.00}
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

My score dropped nearly 30 pts from XX/XX/XXXX to XX/XX/XXXX, however absolutely no changes were recorded during that time. I've called Equifax twice and both times I was just read back my report to me. Equifax is the only bureau that reported this drastic change with no actual changes in the reporting on my account, therefore the score should at the very least have remained unchanged. 

It's also concerning that Equifax staff and supervisors report being unable to see credit score history. If they can not see the changes month to month, how can they search for errors and potential data breaches, fraud etc.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (NV)

I have took the time to find a ATM that was not on the Simple Fee Free Map due to get charged repeatedly at a atm that wasn't within there network. I contacted the bank to dispute they dispute it back in XX/XX/2020 and left out details of the ATM being missing. So they come back and say claim is denied and I knew it was because the dispute was never filed properly with the ATM that should of been on the Fee Free Map. So I have to reopen my claim with the real details provided thru Support Message. So they reopened it and still deny the claim after the fact they stated they would dispute due to it being a mistake on there part with the Fee-Free ATM. I been having to use a Fee Related ATM due to this mistake done on there part. Instead they closed my account so they could steal my funds out and lock me out of my card and account. Good thing I had my direct deposits transferred or they would of stole that as well after they did me scandalous regarding my dispute that was a valid dispute. They sent me this " Hello XXXX, This account is pending closure in accordance with Closing Your Account provisions outlined in section 17 of Simples Deposit Account Agreement. https : //www.simple.com/policies/deposit-account-agreement The card and account have been blocked so no further deposits, transactions or transfers can be made. 

Once your account closure is finalized, if the account balance is {$1.00} or greater, the balance will be remitted by check to the address we have on file. If the address needs to be updated, please let us know as soon as possible. Any balance lower than {$1.00} will be forfeited. You will receive a follow up support message once the account closure is completed. '' Which clearly shows that they use a fraud scheme while deciding on my claim!!!
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

I received an email message from XXXX XXXX XXXX  on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX  XXXX XXXX  ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX   sold my account to LVNV Funding several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of LVNV Funding. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, LVNV Funding continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXX XXXX XXXX   message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX  XXXX XXXX, XXXX If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} Twenty consecutive monthly payments of {$25.00} XXXX XXXX XXXX  has implied there is monies owed to XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  has misrepresented on whom they are acting on behalf, XXXX XXXX XXXX sent a clear text message to a shared email address containing confidential information, XXXX  urges immediate payment or face to the account being recalled and sent to a lawyer, XXXX XXXX XXXX  implied they have been trying to reach me, this was the 1st communication I had received from XXXX XXXX XXXX. LVNV Funding had been notified of the balance dispute via a direct filing with the credit reporting agency. LVNV Funding has not taken any action, nor provided any response to the credit dispute. In countless way, XXXX XXXX XXXX  and LVNV Funding have violated rules under the FDCPA.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (TN)

I have been trying to reset my password to access my account for 2 weeks now. I am unable to reach American Express Bluebird on the phone. When I call it says my social security number is not found then the call ends. 
I have tried to request a password reset email numerous times and have not received it. 
I am not given an option to speak with a customer service representative. When I select " 0 '' the call ends.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Approximately 2 years ago, around XXXX or XX/XX/XXXX I began receiving phone calls asking me if I had opened a credit card with this company or the other. I repeatedly said no, I hadnt. I became weary of people calling who asked me for personal information. At some point I spoke to someone on the phone who stated she was from some credit approval department or other and asked if I had applied for a credit card with their company, I said no. She said someone had tried to open a line of credit in my name and social security number and recommended I put a fraud alert. Following that conversation I put a fraud alert. Sometime after that I was contacted by a secret service agent who informed me I was the victim of identity theft along and she had an ongoing investigation as I was one among many people who had their identity stolen. I was informed I was the victim of identity theft by Secret Service Special agent XXXX XXXX. The contact number I have for her is Cell : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX or email XXXX. I put a freeze on my credit and renewed the credit freeze since. 
More recently, with in the last 6 months, I started receiving mail from XXXX XXXX at Midland Credit Management, that stated I have a XXXX XXXX XXXX XXXX CREDIT CARD notice that I have a current balance I responded to their mail notifying them I am a victim of identity theft and provided further details. I requested they stop attempting to collect the amount since I did not open a credit card with XXXX XXXX and do not owe them money. They continue to send mail and I responded again within the last month or two, again stringing that I am a victim of identity theft. I have notified them again on XX/XX/XXXX that I am a victim of identity theft, did not open a credit card with XXXX XXXX and and do not owe them money. I also requested that they send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

XX/XX/XXXX Santander Consumer USA was involved in 34 state class action lawsuit and one these states being my home state. All auto loans account from XX/XX/XXXX to XX/XX/XXXX qualify. I first contacted my attorney general office to see if my auto loan qualify account open XX/XX/XXXX account closed XX/XX/XXXX {$12.00}, XXXX written off with the information I provide them my account qualify. Santander Consumer USA was court ordered to remove all repossession account from my credit report and ordered to cease and dismiss XXXX XXXX XXXX collection efforts. They are ordered by the court to issue a deficiency waiver for charge off accounts.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

SOURCE RECEIVABLES MNG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt  requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOURCE RECEIVABLES MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX, NY XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, XXXX, and Transunion have failed to remove the extended fraud alerts to date.