davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.
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. (PA)

XXXXXXXX XXXX has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to Equifax. When I call XXXX XXXX they stated that they could not help me because I dont have information about the primary cardholder. When I contacted Equifax, they stated that I needed to contact XXXX. I cant get anywhere with XXXX because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my Equifax credit report.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Usaa Bank has taken fund from my account that was never credited from a fraud dispute. My account was hacked and XXXX  XXXX  was used. Usaa owes my {$68.00}. They never credited the account for the amount but deducted stating it was
Consumer complaint received 2022-11-14
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. (DE)

" XXXX Bank '' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. Account # : XXXX - As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the XXXX. I have also complain to the XXXX and the only result I received was " UPDATED '', STILL REMAINS ON CREDIT PROFILE. PLEASE REMOVE IMMEDIATELY. According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY FROM ALL THREE BUREAUS. 

-Must be removed for Identity Theft -Must be removed Past the 7 years statute of limitations -Must be removed for reporting inaccurate information -Already complained to the CPFB -Must be removed for I am seeking Legal Council
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

I made a purchase with my Chase Southwest Credit Card on XX/XX/23 to XXXX XXXX XXXXXXXX XXXX XXXX for {$510.00}. I checked into the hotel on XX/XX/23 and found it to be unsatisfactory so I contacted XXXX to change my reservation and they did so and sent me a confirmation email stating that my booking changed from {$450.00} to {$150.00}. I have that email confirmation. I also spoke with the hotel staff that evening and they said I'd receive a credit. I did not receive any credit even after several conversations with XXXX I disputed the transaction with Southwest and they resolved it on XX/XX/23 stating that the merchant said I didn't follow their cancellation policy and yet I did by calling Booking.com on the evening I checked in to change my reservation for one night instead of two and they put me on hold and confirmed with the hotel staff on site that evening that my reservation had been changed to one night and that I'd receive a refund for the second night. Please help me receive a refund for the second night as I have an email confirming XXXX changed my reservation.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have been a customer with this company for over 10 years and during that time, have enjoyed our experience with the company they partnered with Chevron with XXXX visa credit card greatly. Due to your terms and conditions that are not correctly stated, I have had a few returned payments in XXXX of this year.. Since that time I have been an exceptional customer paying every month on time and never 30 days late and never had a returned check/payment. 
I would like them to consider reopening the credit card. At the time of the reversed payments, I used the " one time '' payment method online rather than adding the account number under " bank information '' - The one time payment did not always recognize the account number and only did if I added the XXXX XXXX XXXX  in front of the account number, for example, my account number on my checks is " XXXX ''. All those payments I would pay this way would be returned. After realizing this I added the bank account under " banking information '' no problem and those payments did not get reversed. This is the only card my family uses to get gas. - I was told I could re apply, but sadly it was an instant denial. 
I say this not to justify why the payments were reversed, but rather to show that the reversed payments are not a good indicator of my actual credit worthiness. I hope that Synchrony bank is willing to work with us on re-opening this account also due to the fact nothing about if there are 2 more more returned payments the account will be closed in Synchrony terms in conditions. 
I have been a very happy customer in the past. I hope to continue a long relationship with Synchrony with today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.I hope that they will deeply consider this request and prove once again why Synchrony is above the rest.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Over the course of my account when I first opened it back in XXXX, ive had numerous overdraft fees and charges that I shouldve never received. Ive also had issues most recently in XX/XX/XXXX I disputed some charges on my card for products that I purchase and never received eight separate charges for XXXX, and they disputed the wrong charges and because of it cause my accounts with them to be delinquent and charged off to collection agencies and ever since then now my credit score has been impacted in a negative way and they still have not done anything to fix it and make it right
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX 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 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 2023-05-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I found many disputes with Equifax XXXX and XXXX. My dispute always come back updated which there's nothing that changes. under the FDCP act. All of my requests have notes of inaccurate information I've asked many times for documentation. I've asked for a copy of the original agreement or contract for this alleged debt if the original creditor has sold or transferred this debt then a. Copy of the agreement of original creditor and XXXX XXXX XXXX that grants the authority to collect this debt. Under the FDCP ACT no information shall be on my credit report if it's not 100 % accurate. And XXXXXXXX XXXX has inaccurate information on my credit report and XXXX Equifax and XXXX are saying they 100 % investigated. Which is false information not accurate and still leave on my report. I believe they should be fined for not 100 % accurate information
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 2023-05-06
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. (NC)

NAME : XXXX XXXX XXXX-XXXX-TRANSUNION DATE : XX/XX/XXXX XXXX have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, XXXX XXXX
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I found many disputes with XXXX Experian and XXXX. My dispute always come back updated which there's nothing that changes. under the FDCP act. All of my requests have notes of inaccurate information I've asked many times for documentation. I've asked for a copy of the original agreement or contract for this alleged debt if the original creditor has sold or transferred this debt then a. Copy of the agreement of original creditor and XXXX XXXX XXXX that grants the authority to collect this debt. Under the FDCP ACT no information shall be on my credit report if it's not 100 % accurate. And XXXXXXXX XXXX has inaccurate information on my credit report and Experian XXXX and XXXX are saying they 100 % investigated. Which is false information not accurate and still leave on my report. I believe they should be fined for not 100 % accurate information
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

XXXX  has been non-compliant with removing the unverified account CHASE MTGwhich has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE MTG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (AZ)

I have been contacted on numerous occasions by this company who claims to be affiliated with National Credit Adjusters, LLC/XXXX XXXX and XXXX XXXX XXXX XXXX ( Attorney Firm ), XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( Office Phone XXXX ) On most occasions I have been dealing with a person named XXXX, who has been very rude to me and my family members. This company has also contacted members of my family ( parents, in-laws, children, & stepchildren ) in their efforts to collect this so-called debt. They are claiming to be trying to collect a debt from XXXX XXXX on an overdrawn old checking account from more than 8 years ago. I was instructed by XXXX to contact the collections & recovery department for XXXX XXXX which I have done. The bank shows no record of any accounts in my name which were previously or currently sold as a collection for me. This company has continued to harass me and my family members by phone, threatening that they are sending a process server to my home as they are filing a judgment and civil collection action against me. I have checked local court records and no such information exists on my. I have requested documentation from this company in writing regarding this alleged debt which they have not produced.
Consumer complaint received 2018-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

I signed up for recurring ACH payments to take care of my perkins loan balance on XX/XX/XXXX. the XXXX XXXX confirmation # is Heartland ID : XXXX. 

These payments proceed without issue until my final payment. Heartland cancelled my recurring payments without my authorization and without notification a year and a half later on XX/XX/XXXX. 

My final payment was never deducted, I was not notified of an outstanding balance, and I was eventually placed into collections in XX/XX/XXXX. I was only made aware of an issue when I applied for a mortgage loan and was told there was an outstanding collection balance and late payments bringing my credit score down with XXXX XXXX. 

I attempted to rectify the situation with the servicer who told me that they tried to call me once the payment wasn't received and left a message. I obtained my phone records for the time that they claim and there is no record of a missed call, a received call, or voicemail from them on that date, or any other date. 

I inquired why my recurring payment was stopped, and I was told it automatically cancelled after a year which is inaccurate because they have almost a full year and a half of payment records from me on a recurring agreement. 

I believe there was some sort of clerical error within XXXX XXXX and instead of taking ownership, they are blaming me. 

I have phone records, and I have recurring payment enrollment receipts showing I made every attempt to pay this debt off in good faith. There is no verbiage on their website, or within my registration receipts that substantiate a claim of only 1 year term on the recurring payment structure. 

I have paid this in full, but due to their clerical errors would like the erroneous reporting of a late payment and collection removed from my credit reports.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solutions ; original creditor name XXXX   balance owed {$290.00} XX/XX/2017 when it was opened. 
I even had email sent to me threatening theft by which I did not do and have never opened an account or used this company before. Someone had hacked into my bank and email information presumably it was my ex husband and his girlfriend and open up fictitious accounts under my name ruining my credit.
Consumer complaint received 2018-08-30
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. (NC)

I have contacted Equifax several times to remove a fraudulent hard inquiry from my credit report that was made on XX/XX/2018 by XXXX, i have provided a PDF from XXXX credit card services stating this hard inquiry needs to be removed from my Equifax credit file
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I was thrown into this XXXX XXXX owned company from last one, - when they bought my paper from XXXX loan company. 

I have always paid on the finance site going all the back to XXXX XXXX. This company charges {$15.00} for an ON TIME ONLINE payment! Seriously, what could their cost be on that? 

I look forward to class action suite against this XXXX XXXX unethical and immoral organization.
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. (TX)

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 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

Barclays has been putting a hold on all of our payments since XX/XX/2022 for 7 to 10 days when this issue was raised to them so that means we are paying additional interest to the balance while the payment is not getting posted. This should be illegal. The agency should open an investigation to this illegal practice by Barclays