davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX   XXXX  XXXX {$850.00} XXXX  XXXX {$460.00} XXXX  XXXX   XXXX {$800.00} XXXX/XXXX XXXX {$400.00}
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Good afternoon, I was contacted about a XXXX  XXXX account opened in my name, and reported it as fraud. Midland credit management sent me documentation that states the account statement is from XX/XX/2018 to XX/XX/2018. I wad living in XXXX at the time and working as an XXXX XXXX   until XX/XX/XXXX when I returned to the United States. I Would have been unable to fill out an application and receive a credit card in another country, as I had been living in XXXX since XX/XX/2018. I have documentation and a work visa to prove this. Midland credit is stating they will not investigate my claim further without a fraud affidavit.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I needed to dispute a transaction of the amount of XXXX that was wrongly put on my account by a merchant on XX/XX/XXXX. I originally was working with the merchant but than after sometime they stopped replying to my emails and answering my phone calls. So I contacted Chase, my bank, and asked the amount could be disputed. They claimed everything would be fine and submitted my dispute. 

A week later, before my document which gave them permission to investigate this charge on my before even arrived the case was automatically closed. They never asked for any proof or any documentation from me. It was clear they never even reached out to the merchant. 

I spent literally from XXXX on hold, being bounced around from rude customer service specialists who would transfer to someone else just to get rid of me, only to have to be transferred back to that department and be on hold for another 50 minutes. Two of them hung on up me and recorded as a disconnection but it was clearly them hanging up on me. 

After all this it turns out the person incorrectly categorization my claim as a recurring monthly payment which I tried to cancel instead of merchant error. However, they refused to reopen it with the correct categorization. And I asked for a literally an entire day and they adamantly refused to help me with this issue that they themselves caused. 

Upon doing some research into this, it turns out Chase 's dispute department has a history of pulling this stuff. Do not bank there, I banked there for years and their customer service has been pleasant for the most part. But their dispute department are rude, and do not care about protecting your money and that's what is most important. I advise everyone to bank else where because you have no recourse if your the victim of a merchant error or fraud.
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

With the Covid 19 I am struggling to make payments I reached out to my Mortgage company Bank of America on XX/XX/XXXX, I Spoke to XXXX I explained my situation and she said what they can offer is to defer the payments and add them to the back of my loan they can do this up to 3 months but will need to call in each month. I said no problem I would call again in XXXX. On XX/XX/XXXX I called Bank of America again because I hadn't received and letter regarding I was accepted on the deferment. I spoke to XXXX She pulled up my account and stated that it shows I called in on XX/XX/XXXX and I was accepted and they were not sending anything out but not to worry because everything was showing in my record. on XX/XX/XXXX I received my bill from Bank of America for my mortgage payment showing I was a month behind. I called Bank of America I spoke to XXXX ( XXXX ) XXXX who is with debt collection who informed me now they will do XXXX, XXXX XXXX and I will need to call and then they will discussed my option at that time, as to how to pay back the missing payments. I said I was already told they would ad to the back of my loan he made it seem that, wasn't rally one of my options. I would never of missed my XXXX payment, I asked why was I told that it would be added to the back of the loan his response was we really didn't have much info back then and he said he told people that also. This is misleading I has enough to make my XXXX payment but I do not know what I'm going to do moving forward, I have never missed a payment before this. I do not see how Bank of America and say one thing then change.
Consumer complaint received 2020-04-22
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. (FL)

Experian, XXXX, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. 

Creditor : Capital One Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX 2022
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am urgently filing this formal complaint due to a serious and repeated incident of identity theft. Recently, I discovered that someone used my personal information without authorization to apply for an auto loan in my name. This application was made fraudulently, without my consent or authorization, violating my rights under consumer protection laws. 

XXXX XXXX : XXXX XXXX. Account XXXX : XXXX. Balance : {$31000.00}. Date Opened : XX/XX/2024. Last Reported : XX/XX/2024.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$97.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 


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, and XXXX XXXX XXXX reported to XXXX  that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc (MO)

Collections company by the name of MEDICAL COMMERCIAL A is reporting incorrect information to XXXX, XXXX and XXXX  I do not have any account nor contract with this said collection agency MEDICAL COMMERCIAL A, nor do I have any account with the original creditor XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I just moved to XXXX ohio. I visited the nearest citizens bank branch in XXXX located at XXXX XXXX XXXX in XXXX  OH. I needed to do some withdrawals to pay my staff - XXXX worth of a monthly check. They refused to let me access my money, pretending that the lobby is closed and the bank is also closed. They told me to come back the next day. I asked for the manager XXXX, with no last name, that refused to let me access any funds at all. He threatened to call the police if i did not leave immediately. Laws since president FDR state that clients should have access to their money or find a solution to deliver the funds.Please protect the public from citizensbank, their branches mismanagement, and the attitude of mistrained people.
Consumer complaint received 2019-05-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I had a lease for a XXXX XXXX. Near the end of the lease, I went in to XXXX XXXX XXXX, in XXXX XXXX, GA looking to purchase a car to replace the XXXX. The sales person and also general manager told me that if I purchase a car with them, and work with their finance person ( instead of getting a loan on my own ), I would not have to pay the final lease payment of {$280.00}. It shows 'none ' for 'balance owed on trade ' on the purchase agreement for the new vehicle ( attached ). 
After many calls, texts and exchange of information, they are still billing me for the last payment, and have now sent the 'debt ' to a collection agency ( XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX GA ). I have a confirmed text from the sales rep, stating that I don't owe any more payments ( attaching a copy of that text ), but he and the XXXX are not standing by it.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus.

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX XXXXXXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXXXXXX XXXX is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer XXXXXXXX is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.
Consumer complaint received 2023-03-06
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. (TX)

I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus. 

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX, XXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXX XXXX  is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer SELFEMPLOYED is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (MO)

on XXXX XXXX mty income taxes and paycheck hit my chime account.. I received a email stating that I won XXXX dollar once I click on the email it link the hacker to my account with the began to change my phone number and email address which completely locked me out my account. I called chime stating that Im locked out my account and my email and phone number was changed. She began to send me a code which I was able to get back in the account then I got locked back out so I had to repeat the process I finally got into my account and changed my email and phone back to what it original was at the beginning. I seen that the hacker made two transfer and two payment one to a XXXX  account of XXXXXXXX XXXX XXXX account for XXXX and XXXX They made two payment of XXXX and XXXX to a usps po that was made in XXXX, Ma. Chime refused to pay my money of XXXX back due to they consider they not concerned unauthorized transactions.. Now I don't have a debit card and I cant use my account at all my debit card will not allow me any tracstions. Now they are closing my account as of XX/XX/2023 without give reasonable information..
Consumer complaint received 2023-02-28
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. (NY)

contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX XXXXnd Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XX/XX/XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my citi card to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XX/XX/XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a supervisor and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX Prior to XX/XX/XXXX, I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (MO)

I have no idea who these people are. My sister did not have any debt with them and I'm seriously XXXX XXXX  that some scam company is preying on me and and parents trying to collect debt that A ) she didn't have and B ) We did not cosign for! Please tell them to XXXX XXXX ... ....
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

this is a violation of the fair credit reporting act, willing-full non-compliance. XXXX verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).