davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hello - I went through a divorce over the summer and changed my name back to my maiden name. I have that change noted in my divorce papers which have the official county seal. I have also used these papers to update my name with social security and the XXXX. Transunion will not update my name with this information. They tell me if I got married they would have no problem updating my name, but since it was a divorce, they can not update my name even with copies of my divorce papers, social security card and my drivers license all stating what my legal name is. I can not move forward with banking items because my legal name is n't matching my primary name on my credit report. I think it is discrimination that they will update a name easily if you get married, but refuse to update to your legal name if you get divorced. Can we work to change their processes so that myself and others can move forward with their lives? I understand the process of proving information and appreciate that, but once a person does this, it should n't be so hard to update your credit report. I have seen on many message boards online that this is a huge issue with woman and transgender people. Something this simple should n't be so hard to fix. 
Thank you and I look forward to your response.
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (LA)

Unexpected Fees - Non Disclosure of Fees. The banking industry needs more oversight and consumer protections placed on it. I was issued a check from my Father 's succession by the title company with an account from JP Morgan/Chase. My bank would hold the check for 10 days. I had an emergency, under duress, stress, and financial hardship and needed the monies asap. I was told over the phone by a Chase Bank, XXXX. XXXX, XXXX, LA teller, there would be no problem cashing the check as I explained I do n't have an account with Chase. There was no mention of an {$8.00} fee. After driving 45 mins.out of my way, even though I ca n't afford the gas, and the stress to get time away from work, to the nearest location to me, I was told there would be an {$8.00} fee which the manager refused to waive and I was told it was their policy. I asked the teller where was that policy posted in this bank building, and she told me that it was n't. They had their bank disclosures posted on the wall, but the print was too small for me to read with glasses and people with XXXX XXXX ca n't read it at all. I also pointed out to the same teller who also mentioned the posted policies that the {$8.00} fee should be specified and it 's not. I asked - she also did n't know. The fee for walking in this bank building and cashing their customer 's check cost me {$8.00}. They are charging their customers and non-customers alike. The principle of anyone taking any money out of my father 's estate except his heirs is infuriating. As a Sr. Citizen, this is unjust! The FTC should be involved as well. I want my {$8.00} from Chase, and I want the US Government to end this unfair banking practice. At the very least, Chase bank should be made to post a sign at the point of transaction at the teller 's window that if you are n't an account holder it 's going to cost you one way or the other. This is a violation of the public trust, rules and ethics and non-disclosure. No wonder businesses are suffering in the US. I would never want my customers to suffer cashing a check from my bank.
Consumer complaint received 2017-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA Savings Bank sold ( 4 ) accounts and the debt associated with these credit cards to the XXXX XXXX, aka XXXX  XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified USAA as such. I also provided USAA proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. XXXX XXXX is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which USAA relied to make their original claim, but to date they have not responded. I hold USAA and XXXX XXXX liable as they are both in violation of FCRA.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX pattern of making fraudulent claims against a XXXX XXXX XXXX. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This complaint is about TransUnion. We request our free report which is nebulous and incomplete without the credit score. This is an abuse of process the government allows to credit reporting companies while looking the other way and ignoring the point and purpose of the Fair Credit Reporting Act. What is considered a " full credit report? '' Without the credit score it is meaningless. These Credit Reporting Agencies exist independent of the government while enjoying protections more powerful than the people whom they can control and destroy with their entries. The government is created to protect our rights, not violate them. If the government continues to make exceptions for huge monopolies such as the credit reporting agencies then these credit reporting agencies actually have more power than the government.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

The account was closed on XXXX XXXX, 2013 with a balance of {$0.00}. Now 4 years later the company call me daily and harassing me with a debt I do n't own. I received letter for settlement agreement for an account closed with XXXX  balance on it as he show on my credit report. I have to blocks all income numbers from XXXX and unknown.
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (IL)

JC Penny reported a credit a credit card debt to the 3 credit bureaus back in 2012, then stated this account was sold to XXXX, I 've since spoken with and resolved with XXXX and they completed an investigation to determine the account not to be mine and they have closed the account and reported to all credit bureaus to remove this tradeline, JC Penny needs to do the same, the account is not mine and they need to remove this from all 3 credit bureaus. This is against the law to report inaccurate things on someone 's credit report, this must cease.
Consumer complaint received 2017-07-24
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: ALLY FINANCIAL INC. (NJ)

Was on the phone with the company for over 4 hours today as I was transferred from person to person, department to department, in order to get my repossessed vehicle back. The reason stated for my vehicle being repossessed was that " I did not do anything to obtain financing ''. This is clearly a lie as you will see in my documents. This company purposely refused to offer any help or assistance in the post-lease options and took the vehicle because of their failure to provide this customer with proper financing options.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

In 2007, after graduating, I called about having my student loans qualify for Public Service Loan Forgiveness. I was assured I 'd be eligible after 10 years. When I tried to start the process this summer, I was told I had a FFEL loan- the wrong kind to be eligible. I 'm so sick about this. I 'm afraid I have no recourse, just the word of the customer service representative from the phone call 10 years ago. I 've read about incompetent advisors and representatives, not fully understanding the situation at the time. I guess I was, too and just trusted their word. If my payments were n't enough, I would be more than happy to pay the difference, but just to be told " too bad '' by Naviant and that I could reapply for the correct type of loan is heartbreaking. If I paid 10 more years with the correct Federal loan, I 'd have them paid off before I 'd be eligible. Am I just out of options? Thanks for your help.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

citimortgage modified a mortgage for my exhusband on a note we were jointly liable for. The modification extends the repayment terms - modifying the note from 30 to 45 years. 
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my credit.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A paymet of {$500.00} was made from my BOA savings account to XXXX XXXX XXXX Credit card. Unfortunately, the XXXX XXXX XXXX XXXX account ( # XXXX ) was closed multiple years ago. I have tried to contact XXXX XXXX XXXX and they are not able to pull up my account because it was closed years ago. BOA Bill Pay has been requested to work with XXXX XXXX XXXX to have the fund reversed. I was provided Case ID XXXX. BOA has contact XXXX XXXX XXXX however the issue has not been resolved after multiple weeks.
Consumer complaint received 2024-10-18
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)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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. 

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 2017-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I wrote to XXXX and Equifax to get a Federal Tax Lien dating back to 2010 removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a  change to my credit report.