davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Reached out to Transunion on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. I am attaching this letter I am also attaching delivery confirmation letter I sent to transunion in regards to this matter via XXXX. 

Transunion has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-22
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: JPMORGAN CHASE & CO. (CA)

On or around XX/XX/year> a credit report was pulled by a Chase Mortgage representative without my knowing and or authorization. I went in to the Chase bank near where I live and filed a complaint but was told not to worry because they did not believe a report was pulled. A couple days later I found out the report was then mail to an address that is not in my file. On or around XX/XX/year> I spoke with one other Chase Mortgages mangers. I told her what happened, provided the name of the representative that did the report hard pull and that I wanted the inquiry pulled. The Manger said that an investigation would need to be done before the pull could be completed. She said she would call back on the coming XXXX XXXX came an went and she never called. I it now XXXX XX/XX/year>. I have called numerous time for an update on the investigation and to ensure the inquiry is pulled. But I keep getting told that there needs to be an investigation. When I ask to have the matter escalated, the called gets disconnected on their end. 
All I want to have the inquiry pulled and know the results of the investigation. There is no reason why this should have happened in the first place.
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FinFit Holding Co, LLC (TN)

The company is supposed to take the find out if my paycheck bi weekly as agreed upon in the contract as they have other times that I have used them. And they reached out to me outside of business hours at XXXX XXXX
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, A text message was sent to me from XXXX stating, " Wells Fargo Fraud Alert- Did you attempt a XXXX XXXX for the amount of XXXX. Reply yes or no. '' I replied no and then a woman called me from XXXX. My caller ID listed the number as Wells Fargo. She identified herself as a Wells Fargo member and said my account was attempting to be hacked. She got me to give her my account information and transfer XXXX to " myself '' using XXXX thru my banking up. I have never used the XXXX app but she talked me thru how to use it thru my Wells Fargo app. I was hesitant at first but she convinced me it was completely safe and necessary in order to not have my account hacked. She then hung up and I called the number back. It went straight to Wells Fargo and I talked to someone and they informed me that I was scammed out of XXXX. I filed a fraud report with Wells Fargo within XXXX minutes of the transfer but they have since denied my claim. The same women called me the next day to try and get more money out of my account. I hung up on her the 2nd time.
Consumer complaint received 2024-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, we opened XXXX separate CD accounts with Chase Bank, at the branch located at XXXX XXXX XXXX XXXX, XXXX IL XXXX. We did this in person. 

The first account was a 5 month CD for {$250000.00} at 3.92 % interest ( APY 4.00 % ) The second account was a 14 month CD for {$120000.00} at 3.68 % interest ( APY 3.75 % ) When I inquired several months later about the interest for the CD 's I was told that the CD 's were closed the next business day, by CHASE. I inquired with XXXX XXXX, the relationship manager at Chase and said she would look into it. Upon getting back to me, she said that there was a glitch in Chase 's system that caused the newly opened CD 's to be closed the next business day. She confirmed that Chase was at fault and would work on a resolution. Since that time, and most recently, I visited XXXX XXXX personally and on XX/XX/XXXX, she said she would 'escalate ' it to her escalation team. I followed up with XXXX XXXX again on XX/XX/XXXX, and told her I had not heard from anyone and that I would be filing a complaint with the CFPB. Since then, I have received one call from the 'escalation ' team on XX/XX/XXXX, with a XXXX  XXXX of XXXX. When I called back, the same day the voicemail was sent to me, I left my information with them and have since not heard back anything. 

Chase owes us the full interest on the CD 's that were opened in good faith, and the subsequently closed by Chase, without any authorization or direction from us. 

The amount of interest that should have accrued on the accounts was {$9600.00}
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I attempted to place a fraud alert with Equifax and receive a credit report from them. I attempted to do this online on XXXX XX/XX/2019, then on the phone on the same day, then again online on XXXX XX/XX/2019. 
In each case Equifax has refused to process my request.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IN)

I got a Self credit card in XXXX. In the summer of XXXX end of may beginning of XXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all 3 credit reports.
Consumer complaint received 2024-06-25
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. (FL)

I am writing to request that the following XXXX inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

MY DEBIT CARD WAS LOST AND I HAD TO MAKE A CLAME ON IT AND WELLS FARGO BANK PUT THE CLAME IN FOR ME. NOW IM CHECKING MY ACCOUNT AND ITS TELLING ME IT WILL BE CLOSED ON XXXX. IT NOT MY FAULD MY DEBIT CARDS WAS LOST AND SOMEONE USED IT AND MADE FRAUD CHARGES ON THE ACCOUNT, WELLS FARGO GAVE ME THE CREDIT BACK TO THE ACCOUNT & NOW THEY ARE TELLING ME THAT THE ACCOUNT WILL BE CLOSED. IM ASKING THEM WHY & THEY ARE NOT GIVING ME AN ANSWER ON WHY IT WILL BE CLOSED. I HAVE THIS ACCOUNT FOR OVER XXXX AND NOW MY FIRST CLAME THEY ARE CLOSING IT. THIS IS NOT RIGHT WHATS THE POINT MAKING AN CLAME IF ITS GOING TO BE CLOSED. WHEN ITS FEES TAKING OUT THE ACCOUNT WE AS THE COMMUTER NOT HAVE AN SAYSO ON WHATS GOING ON, BUT ITS THE BIG COMPANY THAT CAN DO WHATEVER THEY WANT & GET AWAY WITH IT.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX  reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On Equifax it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.
Consumer complaint received 2023-03-12
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. (NJ)

I sent a letter out XX/XX/XXXX requesting validation of the debt. Its been over 5 months and the only thing they have done is notify one credit agency that I am disputing the debt. By law you only have 30 days it has been well over 5 months. enclosed are recent pictures of my credit reports from all 3 agencies showing that there are still inconsistencies. It also shows that in 5 months you have only alerted one agency that i am disputing the debt and that is still not validated or confirmed or even investigated. I am also enclosing pictures of the certified mail receipt dated XX/XX/XXXX. I am enclosing the letter i sent requesting validation of the debt bearing my signature and asking you to do so in 30 days. I have been personally and severely impacted by the lack of due diligence of this companies reporting and its in complete violation of the FCRA
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

i need help with rectifying violations that I believe have been committed. I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

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 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

can not log in and so i fill out the form to get my username and password they say i am not in the system but it is the correct info ( my SS # and birthday ) now I no longer can access my account and they dont respnd to email and take hours on the phone just to help you log in ( which shouldnt be this hard to do and their website should work propperly )
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (IL)

I sent MERCHANTS & MEDICAL CREDIT CORPORATION INC. a Debt Validation Demand letter and they did not provide me with any of the information I requested regarding the validation of the so-called debt. The letter I sent was via certified mail # XXXX XXXX XXXX XXXX XXXX and was delivered to the company on XX/XX/2023. 

I am not liable for this debt, the company never provided me with the original contract with my wet ink signature. They have ignored all of my questions and are reporting this account inaccurately. I do not have a contract with this company.
Consumer complaint received 2024-06-25
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX 2024 I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors.
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (NJ)

I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/XXXX Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Debt company is asking for payment on a 20 year old debt i never owed.i request for proof that i owed the amount they stated i owed they never sent me anything that show im responsible for a debt they claim i owe.instead they atated they did the investigation and i have to pay tbis debt with out showing me any document.
Consumer complaint received 2024-06-25
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. (NJ)

I have disputed this account with the Collection agency and the credit bureaus multiple times but they just keep coming back and saying that the debt has been " verified ''. No one can seem to produce the method of verification and/or the purchase agreement.
Consumer complaint received 2024-06-25
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. (OH)

On XX/XX/XXXX I had checked my credit report, in regards to working on improving my credit and Ive noticed some things on my credit report were complete and accurate and some things reported I did not recognize. In XXXX I filled a dispute-in regards to these accounts and I notified them that this is not my account. After waiting 30 days they notified me that the accounts in question were accurate and verified. I did not agree with that and filed a XXXX dispute in XXXX requesting evidence to support there claim. Once again they gave me the same response without any type of evidence to support there claim. These accounts are not mine and im requesting them to be removed. I would like to know how they verified these accounts. 

The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I filed a dispute with Experian regarding my child support case payments and status. My child support ended on XX/XX/XXXX without a late payment in the last 10 years of its cycle. As of today XX/XX/XXXX my report shows 120 days late, last reported on XX/XX/XXXX. It also states that my child support case is still open. None of these statements are correct. I've reached out to the XXXX CHILD Support Enforcement numerous times. They gave stated my case is closed and in good standing. The XXXX Child Support has denied being the ones who's reporting this info. Experian has told me they have reached out to them. The child support agency says they have not spoken to anyone in regards to this case.
Consumer complaint received 2024-06-25
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.