davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My name is XXXX XXXX, I have been a USAA customer since XXXX. I have a USAA checking account, although I don't use it as my primary checking, I use it on occasion. The USAA sent me an email today informing me that my checking account has been closed because I have had XXXX balance on my account for a very long time. However, I checked my statements and I have a XXXXXXXX  balance on my account till XX/XX/XXXX. The XXXX balance is only from XX/XX/XXXX to now, which is about 2 months. I don't think two months can be considered an account not to be used for a very long period to result in an account closure. Also, I have never been informed that there is a minimal balance requirement for a USAA checking account, nor I have been informed by mail. I feel that closing my checking account is unethical and does not align with regulations.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX has me listed as an authorized user for an account that I am not on and does not belong to me. I have tried to dispute it and it is still showing up on equifax and XXXX. It was removed from XXXX but it still remains on my equifax and XXXX. I have disputed a couple of times and explained to them that this account does not belong to me and i am not an authorized user. I have never had nor do i have any interest in having an XXXX XXXX card. They continue to report on my credit each month after Ive explained and dispute multiple times. I want this immediately removed from my credit.
Consumer complaint received 2024-01-30
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. (NC)

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (PA)

15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been 30 days and this company is in violation of this law because im a victim of identity theft. Please delete these items as soon as possible.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I had a delinquent account with XXXX XXXX on my XXXX and Equifax credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/year> and Also I have the satisfaction of judgement letter that XXXX XXXX XXXX XXXX filed with my local magistrate back in XXXX.
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2023 I paid my minimum balance on my XXXX XXXX & three weeks later on XX/XX/2023 I was charged a late fee. My due date every month is the XXXX, so I was early on my payment & they still charged me a late fee. Same thing happened the month after, I paid my minimum balance on XX/XX/XXXX ( again, my card isnt due til the XXXX of every month ) & I was charged for a late fee AGAIN on XX/XX/XXXX. I contacted XXXX about this on two separate occasions, first time they told me they would reverse the late fees & it would reflect in my account. It never did. Then the second time I contacted them, they said they would reverse the negative balance in my account. The only reason it was negative was because they charged me {$74.00} in late fees rather than pay down my balance while I was actively paying on time. I had to close the account because its destroying my credit card usage on my credit report.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (VA)

I am in receipt of a very weird and strange Email. They claim so and so of what I do not understand. I did not apply for any loan and/or credit. But I received a notice portraying reports from XXXX and a company which is called XXXX. I suspect that a histrionic activity is either scared of losing attention and/or not gaining attention whichever way would work for them. But I do not believe that the country would choose stalking as an option to get out of its own dark on the expense of others. I suspect retaliation and/or some kind of persecution by someone who stole my identity and started some kind of punishment.
Consumer complaint received 2024-01-27
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: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and JP Morgan . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.
Consumer complaint received 2024-10-07
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. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY EXPERIAN REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, XXXX, AND EXPERIAN REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, XXXX BREACHES, AND ALSO EXPERIAN. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$27000.00}.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA credit card Account # XXXX  balance {$8500.00} I was unable to keep up with the monthly credit card payments in 2018 due to financial hardships before and after the COVID pandemic. My daughter was diagnosed with a medical condition and I was supporting another young daughter also. I was helping other family members living in the XXXX who needed financial help due to major health issues and typhoon storm disasters. 
My income source as a XXXX XXXX  was always unstable and requires long grueling hours.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Early Warning Services, LLC (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (CA)

A brief summary is that PNC charged me an autopayment without my authorization, which resulted in negative balance of my bank account and overdraft fee. I believe it is not reasonable because nobady can charge my bank account without my authorization. Here are the details : 1. Around XX/XX/XXXX, my mortgage was transferred from XXXX XXXX XXXX to PNC. 
2. I received a mail from PNC dated XX/XX/XXXX which request me to sign an automated payment authorization form within 5 business days. I did not take any action. 
3. On XX/XX/XXXX I manually made a monthly mortgage payment to PNC. Around XX/XX/XXXX PNC charged an autopayment from my XXXX checking account without my authorization. 
4. On XX/XX/XXXX I had to call PNC to delete the autopayment ( I can't do it from their website ) and apply the extra payment to XXXX. Latter I noticed my XXXX checking account has a negative balance and I was charged {$10.00} overdraft fee.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have notified your company/person that I was a victim of identity theft, and I am attaching the identity theft report you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) YOU ARE IN DIRECT VIOLATION OF THE FEDERAL GUIDELINES YOU MUST FOLLOW. Delete the account
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, during my son 's XXXX birthday party at home with friends and family, I received alerts on my phone from Chase asking about purchases from XXXX XXXX and a few other stores if they were my charges, I immediately selected NO on the text message and called Chase immediately to report the fraud charges. Chase said do not worry, you are protected, we will cancel the card and issue you a new card. Chase said I will not be responsible for the charges. They credited back all the charges that same day. 
On XX/XX/XXXX I noticed the charge was put back onto my credit card for XXXX XXXX in an amount of {$540.00}. I called Chase right away, and they said the merchant ( XXXX ) provided Chase with my billing address, billing name and delivery confirmation. They said XXXX XXXX provided proof that the item was delivered to my home. We told them we have never made this purchase and this item was not delivered to my house as it was stated from XXXX XXXX, this item was picked up by someone in XXXX, XXXX XXXX, which is far from my home. Chase requested that I send them supporting documents that the item was never shipped to my home and that it was picked up from someone at XXXX XXXX. I have been emailing them since XX/XX/XXXX, but each and every time Chase said they still have not received any email. I have cc 'd myself and my work email and received all the documents, so there is no way Chase is not receiving my emails. Every time I called to ask if they received any documents, they said no and said they would reopen the case. After a day they would close the case again and say I am responsible for the charges because they have not received any documents from us. I even went to a Chase branch to forward the supporting documents. Chase has been giving me the runaround and not resolving the case, I have been so upset that I have not been protected by Chase Credit Card. I have never disputed any charges from Chase before and I always pay my bills on time. Even for these charges I had to pay otherwise, I would be Penalized but its very unfair and unjust that I have to pay for something that I did not order or authorize. Chase needs to reimburse me!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Hello, I am contacting you in hopes to successfully dispute an account since I have already reached out to the collection agency on XX/XX/2023. I mailed them a letter requesting validation of the collection. They responded by mailing a letter telling me that the collection was verified without any documents with my signature or any other further evidence. However, I need to have this removed because it violates the Fair Debt Collection Practices Act by using misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Consumer complaint received 2024-01-26
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: LEXISNEXIS (DC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX LexisNexis Risk Solutions XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear LexisNexis, This correspondence serves as information regarding my credit report related to XXXX XXXXXXXX XXXX XXXX XXXX My investigation indicates that there exists fraudulent data. I have found two inquiries that are shown on my credit file through LexisNexis. This correspondence serves as a formal request for an update regarding information in my credit report related to XXXX XXXX XXXX XXXX. My records indicate that the inquiries are still being reported with his written authorization and misleading data which adversely affects my financial health and creditworthiness under FCRA 15 U.S. Code 1681. I request that you investigate and remove these two fraudulent inquiries from my client 's credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. 

Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I didn't give XXXX XXXX Mutual permission to go into my LexisNexis report so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


List of inquiries that needs to be removed : XXXX XXXX Inquiry Records Date of Inquiry ( Year/Mo/Day ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I sent Midland Credit Management , Inc a Debt validation letter, a Cease and desist, a credit/Debt collector decloration and a requested information letter. They did not send me anything back and when I have tried to call them about it they won't take it off of my credit report and they keep hanging up on me. Midland credit Management is going aginst the Fair Debt Collection practices Act, 15 USC 1692g. I sent all that paperwork on XX/XX/year>.
Consumer complaint received 2022-04-19
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. (PA)

Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.