davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX  and XXXX denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX and XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (ID)

The company did not call XXXX XXXX XXXX XXXX of Montana. I ask them to resend the statement a couple of times to XXXX XXXX and they would say we had no insurance. I have insurance, they failed to bill correctly.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> I arrived at XXXX XXXX place in XXXX, Massachusetts for union conference. When I arrived there I was told I had to put a credit card for incidental fees which was around {$400.00}. I was resistant but I gave it to them. At that time I was told I had another charge because of a no-show day before. I told him that can not be because I never said I was going to stay at their hotel on Saturday and had no knowledge. In fact, I stayed at another hotel that day and have proof and that I was not going to pay for that fee and was adamant about that. The person did not charge me for the fee and instead charging for the incidental which I got returned to me. Around a month later I looked at my bank statement and I was charged for that fee. I asked why I was charged to that fee. They told me because it was a no-show feat. I told him I never made a reservation or said I was going to stay at their hotel Saturday which they replied XXXX did who was in charge of booking hotel for our Union Branch that we're going to this national trip. I told them XXXX had no permission to use my card, and I didn't even know she booked the hotel for me that night. it was a back and forth with the hotel and eventually they admit it via email that it was between XXXX and a hotel and my card shouldn't have been involved. I called my bank and they issued me a credit while they were investigating this. A month later XX/XX/XXXX I see I got charged again and that the bank decided to rule in favor of the hotel even though I provided proof somebody else told the company to use my card who had no authorization to use my card and that another person made the bookings that wasn't me. Chase refused to take my evidence into consideration and instead told me I had to go though XXXX and/or the hotel. XXXX told me she never told the hotel to change the reservation. I talked to the hotel and they were issuing me a refund 3 to 5 days, but my account is negative now and chase refused to issue me a credit because according to them the hotel provided " proof '' that I booked the room. The hotel changed the actual reservation I never called to make a reservation to that hotel.
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AZ)

I have asked XXXX by both a Chat and phone calls multiple for their address to send payments in. They have confirmed the address multiple times but they reject every extra payment my bank has sent them. All of my extra weekly payments to help bring my loan down have been kicked back. I have the correct address per their website and their chat and phone calls but they refuse my extra payments. They wont let me pay more to bring my loan amount down. Feels like fraud!!! I am including images of the most recent payments that got rejected however I have the bank records that show theyve rejected ALL of my extra payments.
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: RentDebt Automated Collections, LLC (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2024 Subject : Request for Copy of Form 1099-C Dear : RNT DEBT, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus.

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of XXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit 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: GOLDEN 1 CREDIT UNION, THE (CA)

I was in XXXX XXXX and a cab driver charged my credit card XXXX even though the meter said approximately XXXX ( XXXX XXXX ). My bank, golden1 credit union has a guarantee of complete fraud protection in their terms of service, yet they won't reverse the charge.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (FL)

I took a personal loan from Avant C/o XXXX XXXX on XX/XX/XXXX for {$5000.00} USD. On XX/XX/XXXX the loan was paid in full I made pay off arrangement with Avant in mid XX/XX/XXXX. On XX/XX/XXXX loan was paid in full as agreed, yet Avant reported credit bureaus, XXXX, XXXX and experian on XX/XX/XXXX as a balance past due of {$0.00} USD. 
This is an act of bad faith and slanderous when they had agreed to be paid of on the date scheduled. Notwithstanding the agreement for pay off on mid XX/XX/XXXX for payment on the XXXX of XXXX and after receiving payment as scheduled on the scheduled date they, file a past due balance on my credit report
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

I had made a {$700.00} payment to my card, I selected the incorrect account and that was my error. Once the initial attempt had been returned and they notified me of a second attempt I promptly moved the money to the right account. I accept that the mistake was mine. However they charged me a returned payment fee. In my understanding the company if they choose to retry a payment forgot their right to charge the returned payment fee unless the retry fails. The retry cleared the account and when I asked for a courtesy refund it was declined by their agent stating they would never refund the fee. I believe this practice is predatory in nature due to them retrying the payment. If they hadnt retried the payment I would accept the fee as it was in fact returned. However since they retried the payment they forgot their claim to the fee on the first attempt and I request the fee be refunded and they examine their practice of charging the fee in the predatory nature they have employed in this case as I believe they likely charge others in the same nature.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I submitted a complaint to Equifax in regards to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX the account was verified however, I didn't request verification about if the account was mine. I stated that the information reporting was incorrect. The account is not a charge off. The account was paid. The date of last activity is incorrect. When the account was paid. That was the date of last activity. The account is stating that it was 100 % paid off however it is a charge off. If the account was 100 % paid off what debt was charged off? That is a clear inaccuracy. Also, this account doesnt even state in the comments that I disputed the account when I clearly have. That is a clear violation of the FCRA. I am requesting that this account be removed from my credit report if the additional documents that Equifax has stated they have received are not produce and suppllied to me. I am requesting the instruments used to verify this account immediately or this is a violation of the law. When an account is not properly verified according to case and point as seen in cases such as XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). The account must be removed from the credit report without a thorough investigation and documents being provided that actually prove that the account is showing accurately. I am requesting access to the documentation provided.
Consumer complaint received 2023-10-04
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX EQUIFAX/XXXX XXXX ============================================ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I am a victim of identity theft and have reported the incident. It is essential to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair Credit reporting act ( XXXX XXXX XXXXXXXX Account XXXX XXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX Account XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX, XXXX, XXXX  The following personal information is incorrect. The personal data reporting is inaccurate.
Consumer complaint received 2023-04-20
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. (AL)

In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX U S Department of Education XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (CA)

I see items on my credit report that I dont recognize, which makes me suspect identity theft since I didnt authorize these accounts. Ive raised this issue before, and Im requesting that these accounts be removed promptly. Their presence is causing me significant stress and misrepresents my true credit history and financial behavior. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are a major barrier to achieving my financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX/XXXX  Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In XX/XX/XXXXXXXX  I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX  and XXXX  to make the account stay on my credit longer than it should.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.