davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, 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. (MO)

Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX USA Phone : XXXX Email : Personal Statement XXXX XX/XX/XXXX Accounts Affected by the XXXX  Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX ga Credit Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control XXXX. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau Contact Info Other Helpful Contact Info
Consumer complaint received 2023-05-06
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX A XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX,
Consumer complaint received 2023-05-06
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. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-05-06
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance : -, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Once again I feel that Webster Bank is up to there unethical and unscrupulous tactics by defrauding unsuspecting customers with a service fee of {$3.00} without even letting there customers know of there intent to charge a service fee. I was never sent any emails, letters or correspondence alerting me or advising me that Webster Bank was implementing such a bad faith policy. I feel that I am being taken advantage of and defrauded by this unlawful and illegal activity. I feel like Im being singled out because I am on XXXX XXXX XXXXXXXX that is XXXX  deposited every month into this account and regrettably is in the XXXX of {$660.00}. I feel like penalizing customers that are unfortunately poor or have an extremely low income that is significantly below poverty levels is wrong. I feel that Webster Bank can not be trusted and they certainly are not honorable, reputable or trustworthy ripping off their customers.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (DC)

Received a mailer today from Chase informing me of a change of terms, including an increase of apr starting XXXX/XXXX/15. Not only is this less than 45 days of notice, the apr will apply to purchases made after XXXX/XXXX/15, making the change retroactive to purchase prior to the notice.
Consumer complaint received 2023-07-07
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. (MD)

In accordance with the Fair Credit Reporting Act, the creditor XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-06
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. (MS)

I appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (FL)

Chase bank sent me a statement for the month of XXXX, I have an auto draft of XXXX paying to them on the XXXX of each month. On the XXXX XXXX I wrote a check in the amount of XXXX to pay the entire bal which was shown owed. Chase recvd the check and processed on XXXX XXXX. On XXXX XXXX my account had a zero bal. On XXXX XXXX Chase charges my acct XXXX for intrest, which I was told by one of their Manager tonite that they charge intrest a month in advance. How can a person pay off a credit acct and then 3 days later the company charges intrest on a XXXX bal acct? If you recv a statement and there is a balance shown and you write a check for that amount ... How can Chase charge intrest on a paid off acct? I was lucky I went and looked at the acct, if I had n't they would 've changed me intrest then a late fee then it would 've made it to my Credit Beaurea shown that I was late.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I recently received notice that XXXX XXXX XXXX, an entity I rented an apartment from in 2014, has submitted information to Equifax alleging that I have XXXX accounts open totaling XXXX . These accounts and their corresponding charges were never communicated with me or my roommate. I am disputing these claims with Equifax. Equifax has been entirely unhelpful in this situation. The contact information for the accusing business either does not work or the business refuses to reply or assert their charges. I contacted Equifax assuming the collections agency must have contacted them and thus I could dispute the claim with the collections agency and possibly obtain the contact information for the original business. The information Equifax provided me was erroneous and was the contact information of an auto insurance provider. If Equifax can not contact these collections agencies and they never have to assert charges or communicate with clients then how can this be considered a valid legal practice? 

I appreciate any assistance or guidance you may offer. It would seem that both Equifax and XXXX XXXX XXXX have failed to perform.
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC. (MO)

I paid an account that was charged off with this loan company in full on the pretense that my account would be deleted once payment was made. This company refuses to honor what was told to me over the phone by their loan specialist XXXX. I confirmed twice with their loan specialist that my account would be deleted. She even mentioned a manager XXXX I'm assuming she must of confirmed with him my charge off would be deleted. Now they refuse to remove the charge off saying that they did a investigation which is not true because if they truly investigated it would be determined that indeed I was told my charge off would be deleted. No such investigation took place because I have been asking for the details of this investigation and they refuse to give it to me. How can an investigation be performed if this company doesn't record their calls they so claim. It doesn't make sense. I want to know how was their investigation performed by a district manager that was stated in my last complaint..i should know how they came to the conclusion that I was not told my charge off would be deleted..I was just told whatever to fraudulently get my money to settle a debt. This company lacks integrity and should be reported..also I heard this is common practice with this business because I found out they said the same thing to someone else I know that their account would fall off too. Just lies. I'm going to continue to pursue this matter until this is resolved. Once again I want to know how can an investigation be completed if the company says their calls are not recorded
Consumer complaint received 2023-05-06
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. (SC)

When I supplied a copy of the FTC report, it was determined that Credit Bureaus are not impeding records. Because regulation 605b of the FCRA requires it, I'm delivering this Complaint to assist in drawing out a legal response. If you choose not to impede the following items, which are responding incorrectly as a result of fraud. Here are the items that must be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX CO # XXXX XXXX XXXX : {$780.00}.
Consumer complaint received 2023-05-06
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 sent a letter to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or informations not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again : The following are fraudulent items that needs to remove : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX  XXXX : {$400.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX {$720.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; 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
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

XXXX payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX stated, " XXXX  XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " XXXX. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? XXXX?? XXXX? You tell me as XXXX of many consumers I am finding out that have gone through this same issue, USAA XXXX XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a XXXX issue, problem that continues ... 

I thought your company XXXX was to help and support all veterans. I have other coworkers that are having the same issue with XXXX not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (SC)

XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!
Consumer complaint received 2018-08-15
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. (TX)

XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.
Consumer complaint received 2018-09-01
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. (FL)

XXXX XXXX XXXX XXXX card was sold to XXXX, XXXX XXXX XXXX XXXX. phone number is XXXX. Ext. XXXX. My credit report says collection should say settled and paid in full. Not a collection. Remarks need to be put in as settled and paid in full. Thx XXXX XXXX