davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Have had my Capitol One card for two years and have tried three times to get a credit increase and was denied due to a lame excuse of too low a payment which set. I feel like this is a lame excuse esecially when if has not been late. Have tried talking to them but no one will listen just said pay it in full or increase payment. If I didn't need an increase I wouldn't have asked for one.
Consumer complaint received 2023-06-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

I have no knowledge of these accounts. And it needs to be removed from all 3 credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.
Consumer complaint received 2023-06-17
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. (IL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 

Failure to do so is a violation of my rights.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct. 
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a XXXX scheme. 
Here is the link to the fake website XXXX XXXX My funds sent to Crypto.com were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. I contacted Crypto but they did not do anything to investigate and/or freeze the fraud wallet. I have reached out to Crypto for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case number is XXXX Thanks
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (NC)

I wrote synchrony bank a letter asking about a account that was suppose to have been open by me on XX/XX/XXXX when synchrony bank responded back they gave me no information about the account besides who the account was sold to synchrony never verified the account was mine.. I contacted XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX i spoke to a customer representative name XXXX ext-XXXX she advised me that XXXX XXXX did n't have the account..
Consumer complaint received 2023-06-17
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: JPMORGAN CHASE & CO. (CA)

I have been a chase client with the private client division in XXXX XXXX, XXXX for many years and I have various business accounts. 
I would like to report highly unprofessional conduct with the branch professionals ( XXXX XXXX and XXXX XXXX ) and the Chase Auto-loan department XXXX XXXX from Complaints Department ), which has caused damages in excess of {$180000.00}. 

The Chase Auto Loan division reported an incorrect late payment, which I disputed immediately, based on the following facts : A ) the payment reported was not late and proof of payment was provided ( attached ) B ) Chase Auto loan statements had been sent to the wrong address C ) the online profile set up by Chase to enable electronic payments was connected to the wrong profile without my knowledge. I had no access to this profile. 
D ) the name on the Chase Auto loan and all relevant information ( such as address ) was recorded incorrectly E ) payments I made by phone with Chase Auto were drawn with delay causing a XXXX day delay which caused a late payment reporting in my credit profile ( proof of payment attached ) F ) Lastly there are no branches in XXXX ( where I live most of the year ) to make payments. 
G ) Chase XXXX acknowledged a mistake was made by Chase and told me they would fix the issue with Chase Auto For all the above reasons, I contacted my local branch as well as Chase Auto to correct the late reported payment that showed up on my credit report as I'm about to close a large real estate transaction. 

I was told by the local branch that they acknowledge the mistake made by Chase, and that they contacted Chase Auto who also acknowledged it, and therefore would correct the record on XX/XX/XXXX. 

I then informed my lender ( who was funding a real estate transaction ) who agreed to postpone the closing, so I would not lose my down payment of {$180000.00}. The transaction would close once the updated report was provided. 

But it never came, because the bankers at Chase XXXX lied to me. 
Chase Auto informed me today that they denied this request. 

I have been a client with Chase for many years. I have never been late on any of my payments. Furthermore, I offered to simply pay off the entire loan, but no one was willing to speak to me. I was being cast aside with no help whatsoever. 

These are the very professionals I trust with my money. Clearly, these Chase bankers are not trustworthy, which is proven by this obvious and blatant misconduct. 

This late payment reporting must be corrected because of the circumstances which clearly proof mistakes made by Chase.
Consumer complaint received 2023-06-18
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. (NY)

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. 
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 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 XXXX 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 2023-06-17
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. (NY)

I am a victim of identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.
Consumer complaint received 2023-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

Fay Servicing is the servicer for my 10-property portfolio loan.

They continuously say that my escrow account is in shortage, and then charge me a higher monthly payment to make up for the shortage.

In comparing the disbursements Fay made for taxes in 2022, I can see that SEVERAL properties ' tax liabilities were paid twice, some of which with late penalties.

Additionally, my insurance company says they received over {$20000.00} in overpayments from Fay servicing. Fay refuses to provide me with copies of what was actually billed versus paid out for each property, and continues to say my account is experiencing a shortage. 

I have NOT received any refund checks from the tax municipalities, nor have payments been applied ahead to the next tax seasons. Fay servicing will not tell me where these over-paid funds are, or even provide the figures ( actual bills ) they are using to calculate my escrow payments. In a simple county search of my 10 tax bills for 2022 I was able to find the actual bills online and compare them to what was supposedly disbursed by Fay ( again, they would only verify these figures verbally on the phone, refusing to provide me a written statement of what funds were paid out per property ) and I was able to find several over-payments and duplicate payments.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

So I bought a design from a website called XXXX for XXXX dollars. I currently run an online clothing brand where I promote my clothes to customers that want to buy them. After purchasing the design, I attempted to promote it on social media but was met with a copy right claim saying that I couldnt use the design as I didnt own it. The problem is when you buy a design you OWN IT. Ive tried to contact the merchant from who I bought the design from but he wont get back to me. At this point I dont want the design anymore as I simply cant use it. I have tried to contact my bank Wells Fargo but there nothing they can do.
Consumer complaint received 2024-08-23
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. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2023-06-17
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. (FL)

This complaint is filed against XXXX, XXXX, and Equifax for reporting incorrect information, non verifiable information, and incomplete information on a account all 3 are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. Equifax reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and Equifax report payment amounts as 0. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. Equifax reports last payment date as XXXX. XXXX. Equifax report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. 5. Equifax reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. XXXX. XXXX report shows XXXX 90 days late. XXXX report shows XXXX 90 days late. Equifax report shows XXXX 90 days late. All differ and can't be correct. XXXX. XXXX payment history calendar shows in XXXX of XXXX that account was XXXX Equifax reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. Equifax reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. Equifax report says in XXXX Of XXXX account was 90 days late. Both differ. 10. Both XXXX and Equifax reports are missing date account was closed. 11. Both XXXX and Equifax reports are missing Date last verified also.
Consumer complaint received 2023-06-17
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. (PA)

Someone stole my identity and due to a divorce as well, all these things keep appearing on my account which have these creditors calling and threatening me for my life to pay a bill that '' s not mines .I'am asking to have all these items removed off my credit, Everytime i disputes its an issue and one account will closed and another reappeared back on there .Its not fair to me that someone out here using my name in vain and due to the ex-husband away in jail for threatening to XXXX me, i believe he been using my name in vain a well and messing my credit up .i wrote to the credit company 's for years and they still putting things on there that's not me at all.When covid hit our world it seem like thats when everything 's got worse from me having badily and then to it was taking over the world .All my stuff was beng mis used .Please help me out, thank you so much be bless.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a new and updated complaint, I have attempted to retrieve my consumer report and TRANSUNION continue to willfully fails to provide a consumer report upon request. TRANSUNION confirmed receipt of notarized notice but continues to ask for identity verification documents.
Consumer complaint received 2023-06-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (AL)

First off the validation, never came to me because it's not mine. I've never taken a payday loan in my life. But what they're doing is every day they'll raise it up by a XXXX  and lower it by a XXXX the next day every day. As you can XXXX it's really messed up my credit up but every day it goes up a XXXX and then goes down XXXX slice like they're harassing the = out of me and I'm trying to buy a truck and it's really making things difficult.. I've dealt with this bull= ever since XXXX had all the data late. So since about XXXX XXXX XXXX, I have not been able to buy anything nasty matter how hard I work. My identity has been stolen. I can't get a new Social Security card and every time I think I get it worked out, some collector XXXX puts something on there that's not mine I can't validate it and then they harass me.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Subject : Complaint Regarding Incorrect Personal Information on Credit Reports Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning my credit report. I recently obtained a copy of my credit report from TransUnion and XXXX, and upon reviewing the information, I was astonished to discover several inaccuracies and erroneous personal details present on my report. I am deeply concerned about the potential consequences of these inaccuracies and kindly request your immediate attention to rectify the situation. 

These inaccuracies are of great concern to me, as they can have significant implications on my financial standing and overall creditworthiness. I understand that it is the responsibility of TransUnion and XXXX to ensure the accuracy and integrity of the information contained within my credit report. 

I kindly request that you investigate these discrepancies promptly and take immediate action to correct the inaccurate personal information.