davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (NJ)

I have taken all necessary steps to dispute these inquiries. However, despite my efforts, these inquiries continue to be reported on my credit file. I request that you investigate this matter further and remove these erroneous inquiries from my credit file as soon as possible. I also demand that you provide me with a written confirmation of the removal of these inquiries from my credit file. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.I think this was not intentionally done. Please delete these inquiries along with the date shown or delete this from my credit report. Eliminate these following inquiries, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. The following inquiries needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit 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. (ME)

Chase Bank ( I verified the numbers online, so I know it was their company ) Called me and asked if i tried to open an account with them. ( Credit Card ). I told them no. When i asked if they did not open the account i did not get an answer. Instead, they told me o had to go XXXX and gave me a case number. ( XXXX ). They then told me they were transferring me to XXXX, and they would handle it from there, The call did not transfer but they did call me back. I asked if they were from Chase or XXXX, and they replied XXXX sent over from Chase. They then went into a 45-minute call about my XXXX number was stolen and my cards needed to be cancelled for 12 months and a long list of Federal Laws they said protected me. Again, another case number XXXX. They claim my XXXX cards needed to be cancelled and my savings and checking accounts needed to be changed. They also told me they were going to save 70 % of my debt because Banks were defrauding me because i was a XXXX XXXX. At this point they wanted to send me to an account Manager. I again asked them who they worked for and got no real response. So at this point I knew Chase had given them personal information without my consent. I am also pretty sure it was a credit counseling they were trying to set me up. I told them at this point that i wanted to stop this till i spoke to my banks. They did not like that and i ended call. XXXX XXXX was the name that rep gave me. XXXX was a number they used. I called the number they contacted me with in the beginning and it went to Chase. It is also the number Chase has online. This was a fraudulant attempt by Chase and they gave away mu info.. They also told me about charges made to my XXXX accounts A XXXX and XXXX XXXX dollar charges. When i contacted XXXX they were not on my accountants
Consumer complaint received 2024-08-07
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-03-15
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. (GA)

XXXX XXXX XXXX acct # XXXX balance- 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. 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 a 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. My rights have been violated and I need them to remove this account asap
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

BALANCE XXXX PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT I DO NOT KNOW WHO THEY ARE AND HAVE BINDING CONTRACT WITH THEM PLEASE COMPLETELY REMOVE FROM MY CREDIT REPORT.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Was in possession to ( 2 ) credit cards from Bank of America which I've been a customer since XXXX I can not at this point in time provide the dates in when I got these credits cards because I don't have the contract agreement due to the Covid Pandemic of XXXX. 
During the Pandemic I was stuck in the XXXX for ( XXXX ) months unable to leave that Country restrictions and I had an outstanding balance on both credit cards with interest and late fees being added on each month.At the time of the Covid pandemic creditors was giving customers time on there loans, credits cards etc being announce American Rescue Plan by XXXX XXXX. I contact Bank of America and explain my situation to them where at this point in time given my current location that I can not make any payments towards both cards and if I'm able to enrolled in this plan, there response was that I had to be in the United States and whenever I got back just notify them.The balance for both {$7100.00} and when I contacted them in XXXX they said that nothing can be done about it the time had pass been served now in collections third party and I call the bank requesting a copy of the credit card contract agreement since XX/XX/XXXX and they haven't provided it me and both accounts are in a charge off currently.Reason I don't have a copy of the signed credit cards contract agreement is due to my home and belongings got Auctioned off due to nonpayment where everything was done while I was stuck in the XXXX went to Court on XX/XX/XXXX base on the a summons from Bank of America to settled a payment amount ( 1 ) {$50.00} per month ( 2 ) {$80.00} per month until all debts are paid off however I come to find out that I'm paying a debt collector instead of Bank of America and when I contact them requesting the contract agreement they are not providing me with it and all of the ( 3 ) credit bureaus shows both accounts charge off.
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation (TN)

My case was handed over to Performant recovery. I was XXXX  and had just found a part-time job in TN. So I had moved to TN, and began to work. I was contacted by performant, who harassed and kept calling even though I was paying out 50 % of my wages, they went ahead and garnished my wages, and my income tax refunds. After five years of asking for an account balance, they could not find it. The last time I got hold of Performant, I was placed on hold for hours at a time, to be told my account manager was out that day and to call back, as they can not find any records at all of my cases. 
Now, after no contact for two years, I try every couple of months, after paying in over 10k for XXXX XXXX loan, I now get a bill and a threat from XXXX XXXX XXXX claiming I owe over 4k and need to pay XXXX $ handling fee. This whole education was a scam, the college lied claiming I would have guaranteed a job, which once I found out I was going into debt for a useless degree, I quit. Performant lied, harassed, and lost my account? 
I was making payments, once I found work, but was so underemployed I found it difficult to service. To this day this whole debacle has been destructive to my entire future. I have been trying to resolve this, how can I when I get lied to and cheated by every entity involved?
Consumer complaint received 2024-09-04
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. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


1. XXXX  XXXX - XXXX 2. XXXX  XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My VISA statement for the period ended XX/XX/year>, included an interest charge of {$5.00} based on an interest rate of 7.9 percent and calculated on a balance of {$780.00}. I am disputing the method used to calculate the interest charge. 

My XXXX statement showed a balance of {$1800.00}. I paid {$1500.00} prior to the due date, leaving a balance of {$290.00}. My interest should have been calculated based on {$290.00}, which to my knowledge is the way XXXXXXXX XXXX and other banks with credit cards do it. By including additional purchases in the calculation, Bank of America increased the balance used for the calculation from {$290.00} to {$780.00}, thus increasing the XXXX amount of my interest from {$2.00} ( calculated on a 365-day basis with 31 days in XXXX ) to {$5.00}, which I would think would be illegal. 

While the XXXX XXXX of excess interest in this case is small, there are likely XXXX XXXX XXXX of other Bank of America customers who are also being charged excessive interest, possibly in the XXXX XXXX XXXX. The Consumer Financial Protection Bureau should determine the legality of Bank of America 's method of computing interest and take appropriate action if, as I suspect, their method is against the law.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Identity has been stolen and several accounts have been opened in my name. I Have reached out to this company explaining to them multiple times that this account was opened up fraudulently in my name due to identity theft. I have submitted all legal documents several times and the information is removed and then placed back on my report. This company canceled out XXXX account that was also fraud but refuse to cancel this one and refuse to sent me proof of why they feel this belongs to me.
Consumer complaint received 2024-08-08
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. (LA)

I am a victim of human trafficking of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-08
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)

I am writing to express my continued disagreement with the following accounts, which still appear on my credit report despite your recent investigations. These inaccuracies are causing significant harm to my credit score : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the information for the above accounts, so I may follow up directly. Additionally, please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-08
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. (VA)

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX - Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-08-08
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. (PA)

I am a victim of identity theft, I am in disagreement with the items that are still reporting negatively in my credit file, even after your investigation. I would like these items immediately re-investigated and removed from my credit file. I've reported the theft of my identity to the federal trade commission 's and enclosed a copy of an identity theft report affidavit.
Consumer complaint received 2024-08-08
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

This company is violating my rights and have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

I have made numerous attempts to fix these issues directly with this company, but they continue to violate my rights ; therefore, I am entitled to {$1000.00} for the violation that is listed. I am requesting that either they pay me or delete this account immediately.
Consumer complaint received 2024-08-07
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 # XXXX  Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : 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 2024-08-07
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)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-15
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX