davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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)

This is my 5th time reaching out to Equifax. I have continuously sent complaint after complaint after complaint. My last complaint was on XX/XX/2023 under complaint # XXXX. I repeatedly told Equifax that I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that Finewise/OPPLOANS is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OH)

I was taking money out of a Chase ATM Machine at a Chase Bank on XXXX XXXX in XXXX Ohio XXXX XXXX, 2016 at roughly XXXX. During the transaction, the power failed at the ATM, debiting the amount, while not giving me my money ( Approximately {$120.00} ). I immediately called Chase, who told me I would receive my money " within 12 hours '' and an email confirming it would be sent, which I never received. 2 days later, without the money, I called again, and was repeatedly told " another 24 hours ''. 

This happened for 3 consecutive days, being told my " money was in the process of being transferred ''. Each time I was told to wait, in that " 24 hours '' my money would be refunded. 

Finally, after over a week of no information, I demanded to talk to a superior. I was told the investigation was completed, and that my money *should* have been issued, but for whatever reason, it was n't because of an " unspecified error '', but they would offer me " conditional credit '' that they would give me, but take out in 7 days. I declined, as this is not a conditional credit since the matter was already resolved through investigation. Throughout this entire process, I was never told once about the Consumer Protection Act or any other remedies to this. That I would " have to wait until their computers figured it out ''. 

Demanding some sort of written confirmation, I was sent an email confirming that the investigation was completed 5 days after the transaction, and that the amount should have been immediately credited, which it was not. According to the Funds Transfer Act, the money should have been credited then ( I will be including the email ). 

Today, I called, a full 12 days after my money was taken, and was told it will take " another 48 hours possibly '' to get the money, although at this point, I have no faith that the bank will fulfill its promises to me, and they refuse to give me any written confirmation that the money will be returned. Every time, Chase confirmed that the money was not refunded, but could not give me a reason why. 

I have included the image of the email sent by Chase, confirming the investigation was completed on XXXX XXXX, 2016, as well a read-only XXXX file from the Bank, including all my transactions in the period XX/XX/2016-XX/XX/2016, confirming that the amount was not refunded.
Consumer complaint received 2023-05-28
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)

In XX/XX/2023 XXXX XXXX, Account XXXX XXXX, was reported for the second time as incorrect. Experian has failed to show actual proof of this account to me. They say 'Verified, '' as I am requesting proof. 

They also added the item on my credit report twice now XXXX  account number XXXX In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: West Virginia Housing Development Fund (WV)

This is not one specific incident, simply a frustration with a recent change to mortgage billing. I believe a law has recently been enacted that requires monthly billing statements rather than coupon booklets ; I presume the method behind that is to serve as a reminder for borrowers to make their payment, rather than being expected to submit payment on their own via coupon booklet without prompting. That, in and of itself, is ridiculous ... .the mortgage payment is due at the same time every month ... 
if you ca n't be responsible for making such an important payment, then a late charge or being reported to the credit bureaus, is simply a consequence that you 've earned. All of that aside- if monthly billing statements are necessary, why can they not be mailed out earlier in the month? Typically these statements are cut in the middle of the month, by the time I receive the billing statement, often I 've already mailed payment in. It 's frustrating, because losing the ability to use a coupon booklet limits the control you have on when payment can be mailed & what documents you have available to you before issuing payment.
Consumer complaint received 2017-01-17
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ability Recovery Services, LLC (FL)

Ability Recovery Services is negatively reporting on my credit profile. This account was included in a bankruptcy ( with the original creditor ). This account was illegally placed in collection AFTER everything was paid in full ( XX/XX/XXXX2016 ). This reporting tactic is demonstrating financial harm and presents legal grounds for suit.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

Hello Im contacting about two accounts I have for the past couple months now. One account is {$2200.00} and Other {$820.00} with added interest that I have not gave consent for. Im in the state of Tennessee so there are two things wrong that are happening. One being the interest that Im being charged and the account being payed by old insurance policy. Ive disputed this Ive called sent letters even called the company directly still nothing and this is illegal what they are doing as a company. This needs to be removed Wake Field & Associates. 
Tennessee State Law : A debt collector may not collect any interest or fee not authorized by the agreement or by law. The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. The collection agency is not allowed to add interest or any other extra fees unless the consumer agreed to the fees in the original contract with the creditor or the fees are permitted by law. ( 76 Consumer Protection )
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Penny Mac loan services is messing up my credit by not applying my payments accurately and their system is not taking my payment timely. Since they acquired my loan I have had delinquent credit reporting for this type of issue. They inaccurately reported my loan 30 days late for XX/XX/2016. I successfully remitted my payment on XX/XX/2016 through the website and it was taken out of my account on XX/XX/2016. Please refer to my bank statement attached. On XX/XX/2016, I logged on an made a payment for XXXX 2016. To date my payment was not taken from my account so I make another payment. This is ridiculous and my consumer protection rights are being violated. My account has been assessed XXXX late fees and property inspection fees for XX/XX/XXXX and XX/XX/2016. My credit has been adversely impacted and my credit score has dropped XXXX points. 
This is a demand letter and I am going to file a lawsuit in federal district court as I am unable to get a loan for XXXX and have damages now over {$75000.00} to to loss of credit opportunities. Since acquiring my loan, my credit has been impacted with XXXX 30 day late credit reporting. If my credit is not suppressed for XX/XX/2016, XX/XX/2016, and XX/XX/2016, I will proceed with filing a lawsuit Pro Se XXXX. Please be aware that I have already filed a complaint with HUD do to loss of refinance opportunities and discrimination.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo increased my balance without letting me know and allowed me to use my credit card over my limit amount to charge me more fees and interest. 

Even though I am paying on time I am getting charge a monthly XXXX fee of {$40.00} because my card is over my limit even though they raised my limit. I have also been charged a ridiculous amount of interest due to my card being over limit even though they allowed a charge to be process that was over my card limit.
Consumer complaint received 2023-05-28
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. (FL)

This is now my 5th time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/XXXX and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. For the 5th and final time Please remove the inquiries that I have requested to be removed on XX/XX/XXXX under complaint # XXXX as well as XX/XX/XXXX under complaint # XXXX and XX/XX/XXXX under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed. XXXX XXXX XXXX  and XXXX XXXX, 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 an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2023-05-28
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.
Consumer complaint received 2024-10-26
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. (NY)

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 XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXXXXXX XXXX XXXXXXXX with a bal. of {$260.00}.
Consumer complaint received 2023-05-28
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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)

XXXX XXXX been paid off since XX/XX/2022 of last year and its still showing a balance of {$6500.00} when account is paid off and close out
Consumer complaint received 2023-05-28
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-28
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. (PA)

XXXX XXXX XXXX On XX/XX/2023 XXXX XXXX  agreed on XX/XX/2023 that this account number is not mines.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

I got an email from Venmo today XX/XX/2023, titled, Apply for our card with no impact to your credit score if declined. Now I work for one of the largest banks in the world as a regulatory risk consultant so I was intrigued because if you are declined for a credit card there is really no possible way to prevent that from potentially impacting a credit score. Its impossible. So I open the email to see, maybe its not really a credit card? It is, and in very very very fine print at the bottom it says, Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit bureau score. Okay so the title says no impact if declined, only to in very small letters say the opposite. Its very misleading. This is a clear violation of the Unfair, Deceptive, or Abusive Practices Act, and a violation of truth in marketing. The damage occurred as soon as you apply and have a hard inquiry, but if you are declined you have nothing to show for it and it could make it harder to apply somewhere else and can affect the pricing from underwriters. Please do something about this awful campaign immediately, so many people will be deceived, and its such a blatant trick.