davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-05
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. (FL)

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (WA)

I financed a couch and recliner from XXXX XXXX XXXX  XXXX back on XX/XX/XXXX with American First Finance for roughly {$1600.00}. They offered a XXXX days same as cash option for paying off the items. My payment was XXXX dollars twice a month. I made my payments every month. Once the XXXX days were up, they applied the 136 % interest rate from the original date of purchase which took the XXXX dollars I had paid and applied roughly XXXX dollars in interest showing I had only paid XXXX dollars. As of this day XX/XX/XXXX, I have made another XXXX dollars in payments and my payoff is still {$1500.00}. Being a current XXXX XXXX service member I understand what protections I have. Ive also had an account with American First Finance before. Although it took roughly 6 months to get my interest fixed the first time, it eventually was. This time is different however. Since the end of XXXX I have been trying to get them to fix my interest rate. I have explained to them under the Military Lending Act, XXXX XXXX service members are not allowed to be charged more then 36 % interest. Every time I call I get told that my account will be escalated to the back office and I will receive a phone call in 48 hrs, this never happens. I was then told I needed to email proof that I was in the military to XXXX. So I did what I did with my previous account and emailed a copy of my most recent XXXX ( paystub ). Roughly two weeks later I received a phone call from someone who claim to be a supervisor saying they needed a copy of my enlistment contract. I told him that it wasnt needed last time and its not needed this time. At no point could he explain to me why they needed a copy of my enlistment contract when I explained to him Ive already sent a copy of my current XXXX which shows Im still in. He then decided to get rude and say I was refusing to work with American first finance. I said that was wrong and I would be happy to talk to someone who actually handles the accounts. Was suppose to get a call in 48hrs and I never did. As of today, XX/XX/XXXX, I spoke with a representative who informed me that I dont meet the criteria for the SCRA. I explained to her that charging the interest rate they are isnt a violation of the SCRA as I acquired the debt after I was already in service but a violation of the MLA ( military lending act ). She put me on hold and then came back and said that they dont follow the MLA. So I asked her how they couldnt follow a federal law? She didnt have an answer. I asked to speak to a supervisor and she refused to connect me with one and gave me the same answer as stating she would escalate my account to upper management. This company is based out of XXXX, TX.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I've tried many time to get them to validate this debt and never got a response and continues to report. I even sent a certified settlement letter last XXXX and still did not get a response, however they removed the account from XXXX  & XXXX  but NOT XXXX. They continue to report to transunion every month and need to have this taken care ASAP. 

Attached is a copy of the Certified Postage that it was received and a copy of the settlement letter.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020 I was contacted by who I thought was Chase Bank via text message. They stated I had usual charges on my account. I tried to call into chase and waited several hours on the phone with no success of talking to a representative. I finally received a call from someone stating that they were from chase. I verified my account information and identity. They stated that my charges were blocked and that a new card would be sent to me. An hour later on that same day my account was charged twice for an amount of {$210.00} and {$210.00}. These came from XX/XX/XXXXin Florida. It could not have been me as I live in Ohio and i had several charges earlier that day to prove that i was in Ohio. I manually locked my account through the website. I spent several hours on the phone later that evening and the next day ( XX/XX/20 ) trying to get a hold of a representative. Once I did they said that I was contacted by fraudsters and that they would reverse my charges. We canceled my card and a new one was issued.

I noticed several days later that those original charges were back on my account. After attempting to get through to chase for several hours on XX/XX/20and XX/XX/20 I was able to speak to an agent. They are saying that they will not accept this fraud claim as it is being considered a scam. I am now out {$420.00} in the middle of a global crisis and economic shutdown. Chase said they will not pursue this claim any further.
Consumer complaint received 2020-05-05
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-05-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman   XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX  ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.
Consumer complaint received 2020-05-05
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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-03-07
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. (FL)

I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, EXPERIAN AND XXXX  I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM
Consumer complaint received 2020-05-05
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. (LA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

ED/XXXX XXXX {$8700.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX  XXXX {$9300.00} XXXX XXXX {$99.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NY)

We received a collection letter from Medical Data Systems , Inc. dba Medical Revenue Service ( MRS ), Inc. located at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX on XX/XX/2020 alleging their client, XXXX XXXX Hospital in XXXX, CA was owed money. we responded with a letter via certified return receipt on XX/XX/2020 denying any monies were owed and indicated that in accordance with the fair Debt Collection Practices Act that they should cease and desist all further communications, attempts to collect the debt, and provided an explanation of why the debt was not owed. The certified letter was verified as delivered. On XX/XX/2020, we received another letter from MRS acknowledging receipt of our letter and attempting to collect the debt again.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX Bank accounts were requested to be opened with XXXX XXXX, Navy Federal Credit Union and XXXX. Three fraudulent accounts were successfully opened on XXXX. 

All three banks have been notified and have started investigations. My local police department has also been notified.
Consumer complaint received 2020-05-05
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$14000.00}
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

ive had loan with XXXX later changed name to XXXX XXXX for almost 10 years in XXXX sold my loan to shellpoint morgage servicing. 3 months later approximately XX/XX/XXXX sent me letter havent paid my insurance on condo but i had whole time sent then state farm insurance with policy and all details then called state farm and they sebt copy of whole policy, about month later recuieved letter again never paid insurance, they said when callled never recieved and took XXXX ourt of escrow and owe another XXXX and XXXX im on XXXX and am double paying my insurance sent then through condo manager with details of company who to contact asnd manager at condo, they throught it away according to supervisor i talked to later, then said she needs to talk to condo manager with conference call she set up time at XXXX XXXX  to XXXX next day i called condo manager make sure there and oked but shellpoint supervisor hasnt called is 3rd day now and i cant ask manager to wait for calls never come they have told me on several occasions had info processing and dont worry everything straighted out never happened and about 20 or more times i left number on answering machine said would call back in order recieved didnt call back but one and didnt call back for conference are lying to me putting me heave in debt and i have all bills baid
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit sore is XXXX and I have one or 2 things in collection every time I run my credit or apply for something I get turned down They say because Derogatory inquiries in serious delinquency
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with XXXX  which show that reports are still not consistent and showing incorrect information. 

to show Trans Union XXXX  XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-07
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: Total Card, Inc. (FL)

On XX/XX/20 I hired a credit repair company ( XXXX XXXX XXXX ) to request a good will removal of late payments for my Total Visa Credit Account ending in XXXX. Approximately 2 weeks later I received a notification from XXXX  that a settlement on my credit account was process and reported as a result. I immediately contacted XXXX to make sure that they in fact did not request a settlement of the account but a good faith late payment removal that occurred over 48 months prior. The representative assured me that they do not engage in debt settlements and that there must be an error with the creditor. I then contacted Total Visa Credit to explain to them that I did NOT authorize a settlement and requested that the account be reinstated so that I could pay any balance that was remaining on the account. My request was denied with no documentation that I requested as they stated that the information had been purged from their system. This means that they have not complied with the record retention requirements for consumer credit disputes. I would like the account to either be reinstated allowing me to pay the balance in full and or the negative reporting removed from my consumer report with all 3 credit bureas. To further note, the account has been current and not delinquent for more than 36 months and therefore there was no need to request a settlement. As a result I have been unfairly, and deceptively been harmed by this consumers practices and or failure to provide and or retain records as required by the consumer regulation.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Someone must have gotten a hold of my card and cloned it. then from the span of XXXX to mid to late XXXX were using this clone to make transactions. I was sick in bed at home with XXXX but as it persisted and XXXX became more known they approached it as that and I was housebound and barely functional. I then got better and came too and started to do my taxes and when I did I noticed that I was taken for close to XXXX dollars by someone ordering things, meals and such to a home I don't even reside in a town I don't live and a state I am not near especially while in bed. My claims are not being taken serious and I am getting terrible advice on how t proceed. I am dealing with chase and they don't care about me at all. 

I have to claims in well one was closed today despite e asking for the research evidence and them not providing it The claims are : # XXXX # XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC. (PA)

Hi! So I recently got scammed by a what I feel is a fake collection agency trying to get money on an old debt ( Kay Jewelers ) ( 5 years ago ) that shows on my credit report as charged off bad debt The company that contacted me is XXXX XXXX XXXX. There is no website for them. The address on their letterhead which only came by email comes up as a XXXX XXXX - # # # so Im guessing a PO Box and their phone voicemail is hi please leave a message after the tone with your reference # nothing mentioning their name or anything. I had a really bad feeling so i cancelled my card and filed a possible fraud report. After they already took {$300.00} from me. They threatened me on the initial call that I had 24 hours to set up automatic payments or they were going to serve me papers at my home or place of employment and that I had to promise to have the money in there because if not it would make him look bad. They have been calling me daily since the missed payment this past Friday. A friend of mine who works in collections for a different department said it comes up as a fake company and on my bank account shows XXXX   which also comes up as false. No finding them online either.