davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-03-13
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: JPMORGAN CHASE & CO. (NM)

My spouse received a phone call on XX/XX/2021, from XXXX XXXX XXXX  regarding an application that was submitted under my personal information that they had suspected was fraud due to my spouse and I already have an existing account with them. 
I did verify it was from identity theft. 
I then checked my XXXX XXXX app to check my inquiries to find I had roughly 5 inquiries showing on my report within a 2-week period. Along with letters received in the mail from 2 different banks not noted on my credit report. I have disputed all of the inquiries with each creditor. I have had some inquiries removed. 

XXXX XXXX ( travel & entertainment ) inquiry posted XX/XX/2021 on XXXX-I 've called them at least 2 times. First Representative I spoke to in end of XXXX or early XXXX stated fraud will be noted, and inquiry removed on XXXX. Second Representative stated that fraud was noted and was sent for review. I'm still waiting if they will remove inquiry. 

XXXX XXXX  ( card service ) inquiry posted XX/XX/2021 on XXXX I've spoken to a Representative to notify identity theft. Rep mentioned the account will be closed and the account would be investigated. They haven't removed inquiry from XXXX. 

XXXX XXXX XXXX  inquiry posted XX/XX/2021 on XXXX I've spoken to Representatives on several occasions. Most Reps stated they closed the account and noted it as fraud but couldn't help remove inquiry from my credit report. Stated that I must contact Credit Bureau to have inquiry removed. Whomever stole my identity reported employment with XXXX. I've never worked for such company.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I gave instructions to XXXX consumer USA to redeem a tender coupon of {$1400.00} pursuant to 1693o-1. It contained the gold clause pursuant to 31 usc 5118. XXXX consumer received this 4 days later pursuant 1681n XXXX has been willful non compliant to my instructions pursuant 15 usc 1681b ( 2 ). They are civilly liable pursuant to 15 usc 1692k for XXXX for each violation. They have since furnished consumer reports violating cease and desist order stated in communication between the consumer in XXXX see exhibits. Exhibit will also show receipt of the cease and desist notice. Pursuant to 18 usc 8 I owe no debt. It's a violation for XXXX to willful furnish consumer reports pursuant to 15 usc 1681n. this company is violating my right to privacy pursuant to 15 USC 1681b 2. this company has No permission to report ANYTHING using my information pursuant to 15 USC 1681 4.
Consumer complaint received 2022-03-12
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: SYNCHRONY FINANCIAL (IL)

This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and XXXX and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXL ( Bank ) XX/XX/XXXX 2021
Consumer complaint received 2022-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (KS)

Hi, XXXX XXXX XXXX XXXX XXXX is still taking out money for this debt they have on their end. As such the most recent payment came out of my account on XX/XX/XXXX for the amount of {$31.00}, but I had been paying on this debt since XX/XX/XXXX, as such I am still paying on this, so I am unsure as to why they sent this to debt collection. As such XXXX XXXX XXXX XXXX XXXX has now sent this to debt collection at " Credit Collection Services '' all the while why they know they are still taking payments out of my bank checking account on this, so this is an unfair practice. In addition they sent me a bill for the double the original amount owed and now say, I owe double the original amount for the same account # .They ( XXXX  XXXX XXXX XXXX XXXX XXXX are re-billing me and double charging me for the same services I already paid for on the same account and not giving me credit for the {$150.00}, I already paid. As such, ( XXXX XXXX XXXX XXXX XXXX XXXX has now sent this account that I am still paying for to a collection agency called Credit Collection Services XXXX And then they have me established on a second payment plan to begin taking out money for the same account, without closing the first payment plan, with different payment methods. Therefore I filed a grievance with XXXX XXXX and XXXX, and I am waiting to hear back from both of these agencies. I do not owe them double. This must be a software billing scam and or an unfair billing practice. 

Reference : MyDocBill Billing Support Team! My request has been assigned to a specialist with case tracking ID. '' Reference my XXXX complaint case number ( case number is XXXX ) Thanks
Consumer complaint received 2022-03-13
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I wrote a monthly rent check on XX/XX/2021 that was lost in the mail. I called to stop the check with my bank, XXXX, but on XX/XX/2021, the I see that the check I wrote on XX/XX/2021 was deposited by a person I did not recognize, for an amount I did not recognize. The person must have stolen my check out of the mail, changed the date, the amount, and added his name to the payee line. I have already filed a complaint against my bank, XXXX, and are currently working with them to hopefully resolve the issue. However, when this person changed the amount on my check, he changed it from {$3700.00} to {$13000.00}, but only managed to change the original " XXXX XXXX '' to " XXXX XXXXXXXX. '' Despite his grave misspelling that should have immediately been suspect, TD bank still accepted and deposited the check. 

While I do not know the address of the TD Bank branch that accepted this washed check, I know that the return location routing number is : XXXX XXXX XXXX, and that it is located in downtown Flushing. The XXXX code is XXXX
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.
Consumer complaint received 2022-03-13
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. (TX)

Equifax, Please review the attached documents for reference regarding my dispute with XXXX XXXX. I have attempted to send in these documents several times and can not upload them online directly with XXXX. 

On Thursday I was advised by customer service rep by the name of XXXX that you have stated the reason code for my dispute under inaccurate. Please review the documentation that is attached.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-12
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. (PA)

I received a copy of my credit reports, I have never done business with this company. I have called several times. They have incorrect information concerning my identity. I asked if they could send me evidence of this opened account and I have not received anything and it has been over 30 days for the credit bureaus investigation. 
XXXX Account Number : XXXX
Consumer complaint received 2022-02-17
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. (MD)

I have expressed to Transunion, XXXX, XXXX, and DEPT OF EDU on multiple occasions they are reporting debts that do not belong to me. I have no knowledge of these debts nor have I verified them. I haven't given ANYONE permission to report this information in my credit report. They continue to report false information without sending me any proofs that these debts exist or that they belong to me. I have requested information such as contracts and notes with my signature to confirm these debts but they refuse to provide me with them. It has been well over 30 days since I have requested this information yet they say " verified '' but have not proven that they have even investigated the matter. These debts are not mine.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

British Airways partnered with Chase to give cardholders a travel promotion - spend {$30000.00} or more on the card per year and you earn a companion voucher in which my wife and I can use to travel on the British Airways flights. I had two vouchers : XXXX XXXX expiring XX/XX/XXXX, and XXXX XXXX expiring XX/XX/XXXX. These vouchers were given to me in XX/XX/XXXX and XX/XX/XXXX. Unfortunately as we all know, the coronavirus pandemic raged in the world since XX/XX/XXXX and travel restrictions in place made it impossible to travel anywhere. Furthermore, considering I am a XXXX citizen with health problems, I provided a letter from my doctor showing that I am at high risk and I shouldn't travel. I asked for them to extend my vouchers so I can travel at a later date. Instead they did not answer my queries nor did they do anything on their end to help me. These vouchers have both now expired. They are happy to take my business but when it comes to commit to their end for the companion travel voucher, they refuse.
Consumer complaint received 2022-03-12
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. (VA)

In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection 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. These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

On XXXX XXXX, XXXX I received notification that the following was written to my credit : CARRINGTON MORTGAGE SE has flagged your account as Loan Modification on XX/XX/XXXX. 

On XXXX XXXX, XXXX I called Carrington Mortgage who stated this was because my home was in a disaster area from XXXX, XXXX however I never took advantage of any of the benefits. Carrington Mortgage said it is my job to dispute this and ask to have it removed when they in fact this is a totally erroneous entry.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-02-17
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. (FL)

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. I sent letters to Equifax Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Equifax, the inaccurate information about my accounts is still on my reports. Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX OF XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00}
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a new account with Regions. 
I have all my cards on auto draft. It was hard to get in contact with anyone at Regions. It was even hard to set up payments over the phone unlike any of my other cards. I tried on several occasions to set up auto payment unsuccessfully with this company. Then I received a notice of a 30 day late on my credit. I was affected like most during Covid and explained the customer service and hard to set up automatic payments. I sat on the phone after talking to several representatives and one walking me through the process to set up auto payments and understood my frustration. She said she would put in a dispute to have removed. I received response 30 days later they did nothing. I have had XXXX of my new credit cards close my account because this late brought my score down because Im new to credit. XXXX card decrease my balance. I need this removed from my credit. I HAVE never been late on anything they can pull my credit. I couldnt set up auto payments because of their system and hard to get in contact with anyone. I need the 30 day removed from my credit, the representative agreed also but I received notice they were keeping the 30 day. System issues on their end, and hard to speak with representatives shouldnt be my fault. The representative that took the time to help me was over XXXX hour.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax, XXXX XXXX and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

Hello, I have called Ally bank 16 times in 1 week because they blocked my online account access to use my money. Since this is an online bank so I can not go to the branch. Everytime I called it is 3 hrs long call and they transfer me to fraud dept ssying we can not talk to you. The fraud dept says and specialist will call in 1-2 days and nobody calls. I request to talk to supervisor but then agent hangup the phone. I am really worried of losing my money in the account. I just want to access my account so I can get my money and then I will close my account. Since day 1 I have had issues with this bank. First it was with setting up the zelle service and that was never resolved and then it is now that I can not access my own money. Please please please help me with this. I can not share my account number because they blocked my access and I do not have an account number in the welcome email. Here is the link for the platform where other people having the same issue. XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Dear XXXX I XXXX XXXX have written this letter to dispute claims that are falsley listed on my credit report with your bureau. The following hard inquiries should not be in on my credit report. 
XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing these claims due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that they removed immediately.