davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting 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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: USA DISCOUNTERS LTD ()

I financed some items from USA DISCOUNTERS in XX/XX/XXXX while I was stationed at XXXX XXXX in XXXX State. I started soon after getting calls at work asking to speak to my supervisor. A women called my office XXXX times a day telling my supervisor my account was late and how much I owed to them. I returned their call and asked them not to call my job. They continued to call and tell anyone who answered, my detailed info about my account. I talked to someone in the debt section and I was told that my account was n't over due yet but it would be in 30 days. I asked so why all the calls? I was told because my full payment was short by {$45.00} and if not paid I would be over due. I paid the money. Shortly after I was placed on orders to XXXX XXXX and sad to say, I was going through a divorce. I called USA DISCOUNTERS and told them my money will be short because I no longer have XXXX incomes. I fell behind on payments and I received a court sums soon after saying I was being sued in XXXX courts. I never bought any items in the state of XXXX and I was still stationed in XXXX. I sent a letter to the court stating I was in XXXX. I never hear anything back from them. This XX/XX/XXXX, I retired from the XXXX. My account was frozen by USA DISCOUNTERS because of the lawsuit. I can not get any money out of my account which is my retirement. They are trying to garnish my retirement. I was told by my jag office that it could not be garnished but seems like they were wrong. I 'm currently living day to day trying to make it on what little money I have almost just change now. My account is frozen and I have medical issues I have to take care of and bills to pay but I ca n't. Just need help trying to figure out what to do.
Consumer complaint received 2023-02-20
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. (CA)

My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a XXXX XXXX XXXX for 36 months. After that I had a XXXX more months extension. All 42 payments were made on time. Now XXXX XXXX XXXX presents my already closed account in XXXX of XXXX, as a 48 Month XXXX and as delinquent. I have never signed for a 48 Month XXXX with XXXX XXXX XXXX, it's a lie. XXXX XXXX XXXX must present as proof a copy of the 48 Month XXXX, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the XXXX 's XXXX. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the XXXX Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like XXXX XXXX pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the XXXX  XXXX, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called XXXX XXXX XXXX and explained to them the situation. After a few days, XXXX XXXX XXXX Reported my already closed account as delinquent, and as the result my Credit Score went down almost XXXX points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my XXXX XXXX. The car, XXXX XXXX XXXX, is criminal evidence now, until the case is resolved. XXXX XXXX XXXX started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXX of XXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of XXXX XXXX are involved in such criminal activities!!! Shame! Here is a factual reference : XXXX XXXX XXXX Criminal Investigation Filed XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to formally dispute the following charge-off accounts that are inaccurately reported on my Transunion credit report. I believe these accounts have been inaccurately reported, and I am requesting their removal. 

Accounts in Question : XXXX XXXXXXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX. : XXXX These accounts have been reported as charge-offs on my TransUnion credit report. However, I believe this reporting is inaccurate and/or outdated. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I am entitled to accurate and complete information on my credit report. The accounts listed above contain erroneous information that is adversely affecting my credit score.

Inaccurate Reporting : I have noticed discrepancies in the reporting dates and amounts that do not match my records.

Failure to Verify Debt : The creditors have not provided sufficient evidence to verify the accuracy of these debts, which is required under the FCRA.

Consumer Rights Violations : I believe my rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] have been violated. Specifically, I am concerned that the reporting agencies and creditors have not taken reasonable steps to ensure the accuracy of the information they report. 

I have attached relevant documentation, including my TransUnion credit report and any correspondence I have had with the creditors regarding these accounts. 

I trust that the CFPB will take this matter seriously and assist in rectifying these issues. Inaccurate information on my credit report is causing me significant financial harm, and I am eager to resolve this matter as quickly as possible.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX, I'm writing to address several problems I've found with my credit report. These include incorrect account listings, unauthorized inquiries, credit reporting mistakes, billing issues, and accounts that do not belong to me. 

I am requesting help to fix these issues and protect my financial security.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and these items were added without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$4900.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts.

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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
Consumer complaint received 2016-08-01
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

Rushcard shut my account down reissued me a new card. Thy did not require a signature on delivery. Due to tht my card stolen someone activated my card with my info and stole my money. If signature was required this could have been prevented. I filled out police report and disputed. But rushcard says due to my info used they refuse to refund. This is n't fair I did not authorizes the activation, someone stole my XXXX cost me XXXX for another card. Rushcard allowed it. Yet tell me I 'm a valued customer. Yet wo n't allow a refund as it seems I 'm a liar. I work hard for my money I deserately need that money. I feel thy feel I 'm lying. I would n't do that! If they would have required a signature. I 'd still hve my money. So much hardship for me from this. Migraines my electric shut off. Really was n't treated as I was a valued. Customer. Ups said they 'd even refund rush. To treat me as I was valued. I feel thy should have taken my word with police report and refund me.
Consumer complaint received 2023-02-20
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. (MS)

The debt collection company XXXX XXXX has been settled. Before it was turned over, it was with a credit card company with which I paid medical bills. By the debt originally being medical bills, I feel it should be removed. Also, the date of removal is incorrect. It should be 2018 which would mean it should be removed.
Consumer complaint received 2023-02-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Balance {$10.00}
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!
Consumer complaint received 2023-02-20
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. (CO)

Step 3 I AM DISPUTING ACCOUNT # XXXX FROM XXXX XXXX FOR {$6300.00}. ACOUNT # XXXX FROM XXXX FUNDING FOR {$740.00}. ACOUNT # XXXX FROM XXXX XXXX BANK FOR {$520.00}. ACOUNT # XXXX FROM XXXX XXXX FINANCE FOR XXXX. ACOUNT # XXXX FROM XXXX XXXX XXXX LL. FOR {$630.00}. ACOUNT # XXXX FROM XXXX INDIGO/GF FOR $ XXXX PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I GOT A BILL FOR XXXX OF {$5700.00}. ON XXXX XXXX PD {$5700.00}. BANK OF AMERICA CHARGED ME INTERST OF {$140.00} ON THE SO CALL REMAINDING BALANCE. BANK OF AMERICA SENT ME A BILL XXXX SAYING I OWE {$230.00} WHICH INCLUD AN OTHER INTERST CHARGE. I FEEL THESE INTERST CHARGING ARE A SCAM AND THEY SHOULD BE COUNCELED ON HOW THEY ARE CHARGING PEOPLE. IT IS UNFARE AND A RIP OFF. 

MS XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXXXXXX XXXX received an alert from XXXX that there was a hard enquiry on my credit report. It stated that the status was reported by Equifax and the institution name as XXXX XXXX and phone XXXX. Submitted a inquiry with Equifax on XX/XX/XXXX reporting that the hard enquiry is incorrect since I didn't apply for any new card or loan with XXXX XXXX. Equifax closed the request with message " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX '' Called XXXX XXXX at XXXX and they confirmed that the couldn't find any account using my SSN, phone #, first/last name and address/zip code. 

Unable to reach Equifax via phone XXXX. Equifax report states that there was a hard enquiry on XX/XX/XXXX by XXXX XXXX which is not correct. 

Would like help/support from XXXX to dispute this so that hard enquiry can be removed from my file.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

After strongly encouraging customers to use online banking services rather than banking at physical branches, JPMorgan Chase has more recently begun trying to entice customers to go paperless ( i.e., to receive all of their communications, such as monthly statements, online only ). I have always tried to decline that option, but Chase makes it very difficult to do so. Recently, Chase has taken its attempts to force paperless on its customers to a new level. Specifically, when I signed on to my account several days ago, I was greeted by a screen that required me to accept Chases Online Electronic Disclosure and Consent and its Digital Services Agreement BEFORE I could access my bank accounts- checking and savings - or my credit accounts. Moreover, one of those documents was 10 pages long ; the other was 125 PAGES! Which I was apparently expected to review in a 5-inch phone screen. 
Its unfair, deceptive and abusive to advertise the ease and safety of electronic accounts while enticing people to sign away important rights they would have in a non-electronic environment, especially since Chase has knowingly fashioned the signup process such that not one in a hundred reasonable consumers will read - or understand - whats happening. And, if a customer chooses not to agree to this surprising, one-sided and completely non-negotiable agreement, what then? Does the customer have any recourse other than to periodically appear at a brick and mortar branch - which Chase has been actively discouraging its customers to do for years - and request a transcript of their accounts? Indeed, a customer who previously consented to paperless delivery can not even access their account to rescind that consent in order to receive the agreement by mail, at least not without first agreeing to the terms of Chases 125 page agreement. How is this fair? Or ethical? Or even legal? 
This is especially frustrating because, after being hacked many years ago, the banks fraud prevention officer advised me to check my account - every day- to help identify and prevent fraudulent activities. And, for the most part, I have done so. Until now. 
These types of sharp business practices, which inure entirely to the benefit of the bank, should not be tolerated.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

I was falling behind in my mortgage payment, I received a letter from Caliber Home Loans offering financial compensation for a Deed in Lieu Foreclosure in XX/XX/XXXX. I was hesitant at first because I did not want to lose my home. I received another offer from Caliber for less money that the first one and after reviewing my options, I accepted their second offer ( for less money ) in XX/XX/XXXX. I was told I had until XX/XX/XXXX to leave the property and hand over the keys to a local representative. They offered me an extra week if I needed to to turn in the keys, which I accepted. It was n't until I handed the keys over on XX/XX/XXXX that they told me that they would now have to " investigate '' my personal finances to see if I had other properties and I would have to wait 4-6 weeks. This information was not told to me at the beginning of the process but what could I do, the keys were already turned in. I would call Caliber at least once every week to check on status of the process with little results or information. On XX/XX/XXXX I received a letter form Caliber Home Loans stating that my application was being held up because records showed there was a junior lien on the home by the state of Arizona. After talking to the state tax department, they assured my that there was not a lien on the home. They did tell me that there was at one time a lien on the home for tax purposes back in XX/XX/XXXX but the lien was released once the back taxes were paid in full. According to the letter I recieved from Caliber, I had 30 days from the date of the letter ( XX/XX/XXXX ) to respond and clarify the problem holding up the process. On XX/XX/XXXX, I faxed the necessary paper work from the county recorders office stating that the lien was released in XX/XX/XXXX over to Caliber. Upon faxing the lien release, I called Caliber to verify that the fax was received, I was told that it was and that a manager would call me later that day. There was not any call from anyone from Caliber that day so I called back on XX/XX/XXXX and spoke with the manager about my matter. According to the manager, my application was to be denied even with the lien release being submitted to them way before the 30 days due to the fact that the property foreclosure date was scheduled to be the following Wednesday ( XX/XX/XXXX ). I feel that I did everything asked of me and followed all their directions in a timely manner and before the foreclosure date. There are multiple phone calls that were initiated by myself to see if there was anything that can be done on my side to try to avoid something like this. One of the representatives even advised me to get back the keys and try to negotiate a cash for keys instead of a Deed in Lieu. I feel I was just given the run a round this whole time and I let the manager know. I was told to by the manager to write an email to her boss to see if there is anything that they could do. I have lost faith in the system.