davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

This is an ongoing issue that had not been resolved. No one is allowing me to get any resolution. 
I receive calls from Chase Bank Executive office with still no resolution. When they transfer my calll Im on hold for 45 minutes or longer. No one comes back to the phone to help me out. This is in every way poor business practice. Why transfer me all around if no one is willing to help!!! Why call me if Im given the run around? This has been going on for a month now.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Systematic National Collection, Inc. (CA)

On XX/XX/XXXX XXXX XXXX XXXX performed our bi-monthly service for ant control. Within two days the inside of our home was overrun with ants. We telephoned XXXX XXXX XXXX twice asking for a technician to come out and respray under their warranty. We were given the run around and no one contacted us or came back out. I wrote to XXXX XXXX XXXX on XX/XX/XXXX notifying them we would not pay the bill because they didn't provide adequate service. 

In XX/XX/XXXX I received a letter from Systematic National Collections, a debt collection service. I followed the direction on their letter and notified them in writing within thirty days that I dispute the validity of the claim. They never responded to me. 
On XX/XX/XXXX I was notified by XXXX XXXX that a negative report had been posted. 
I telephoned Systematic National Collections today and the young man with whom I spoke would not listen to me and just repeated over and over again that I owe the bill and to just send a check. 

I will not pay for service that was not provided adequately.
Consumer complaint received 2024-04-05
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. (DE)

I have submitted a complaint addressing multiple inaccuracies on my credit file see previous complaint # XXXX. TransUnion responded that the information was reported as verified and accurate. Upon pulling a new credit report to check to make sure TransUnion has provided me with a througough investigation I still found multiple inaccuracies reporting to my credit file. please see attachments. TransUnion also did not have under the account that the account was previously disputed which is another violation. In accordance with the FCRA everything must be 100 % accurate on my credit report and under 15. U.S code 168e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate & also in violation of ensuring maximum possible accuracy. If TransUnion investigated the account there is no reason why there should be any inaccurate information reporting this is considered false reporting.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This all started when I realized my existing physical credit card expired on XX/XX/XXXXXXXX  and my replacement card was returned to CapitalOne due to a move. I called CapitalOne to request my card be mailed to my new address. After confirming my new address and identity, I was assured by the CapitalOne customer service rep that my replacement card would arrive within 5-10 business days to my new residence. After some time, the card arrived and everything was just fine. Until it wasn't. 

XX/XX/XXXXXXXX  : I received in the mail a new credit card application ( App ID : XXXX ) and in order to complete the appliation, I was to submit additional documents by XX/XX/XXXXXXXX  otherwise CapitalOne would not be able to continue processing my application. I never followed through with submitting these documents via mail or fax. 

On XX/XX/XXXX, I received a letter stated I was approved for a credit card issues by CapitalOne with a {$500.00} credit limit for application ID XXXX. 

XX/XX/XXXX : I called and reported a fraudulent claim against CapitalOne. I was not given any help and was told to make a report with my local police department but was not given the name or employee ID of the rep who was in charge of sending my card to my new address or why an application was started with my name and approved even when I didn't respone. 

REFERENCE INFO FOR COMPLAINT : CapitalOne CASE # XXXX Employee : XXXX / XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

Approximately XXXX was charged to my checking account. it was over XXXX incidents back to back for the exact same amount. The bank says my card was added to a " digital wallet '' I do not have a digital wallet nor have i ever authorized a digital wallet. They are claiming there's nothing they will do for me... ..The bank is Regions Bank I first locked the card trough the app then called it in. was told to go to a local branch to file a dispute i did. they said it would take XXXX business days and someone would contact me they never did I went back in spoke to another person. She had a chat discussion with the fraud people and then they told me to just call back in. i left and called the bank and they are simply saying there's nothing they can do because the card was " somehow '' linked to a digital wallet which has nothing to do with me. Been a customer of this bank for over a decade with no type spending pattern such as this. I have three separate accounts as well as a credit card account through them. Never has this ever been a problem and they can clearly see its got nothing to do with me but yet they say sorry they wont do a thing.
Consumer complaint received 2023-04-19
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (NC)

The CRA " Experian '' is reporting incorrect information about me on my consumer disclosure and it is causing me irrefutable harm and has been for years now. I have advised and sent in disputes on several different occasions over the past 3 years, which has not been investigated properly. I have also sent proof which was ignored as well. 
I was on a child support judgement and payments were being taken from my paycheck, but were not being credited towards my account. I noticed I was being reported as late on my consumer report and contacted the case worker and my employer. Per my employer payments were sent and I was given check numbers to send to the child support agency for tracing. Once I sent these to the child support caseworker it was another 3-4 months of late payments reported before the payments were applied to my account. The payments were applied as of the date they were located and not the date they were sent. This is unfair to me! I contacted the case worker about this and told her about the damage it had done to me and her response was, " Perhaps you should contact your employer '' regarding the late payments. The case worker is from XXXX XXXX XXXX. I have submitted 2-3 different disputes requesting an investigation into this from Experian and NOTHING was corrected despite the mountaiin of evidence that was submitted. They update that the account was closed as of the incorrect date and left the late payments to continue to poorly affect me. 
1. A proper investigation was not completed upon my expressing the many violation against me. 
2. My request for method of verification was ignored. 
3. Child Support Enforcement has provided an undeliverable address and no other contact information for me to resolve this issue ( per my report ). How is this to be resolved if my case worker will not assist and actually wants to continue to cause me financial harm rather than assist in correcting their error, Experian refuses to complete a proper investigation or respond to my requests for method of verification? I was forced by NC general statute to have the payments withdrawn from my paycheck. I have no culpability in this matter. 
4. Child Support Enforcement refuses to provide anything but an erroneous address for my disputes.
Consumer complaint received 2023-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-13
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)

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 2024-04-05
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)

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 XXXXXXXX and list of Inquiries. 


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 2023-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (CO)

The debt that XXXX XXXX XXXX XXXX saying I owe is {$2100.00}. This was due to identity theft and fraud. dates are XX/XX/2023 and various other dates they are claiming. They used a address that is not mine a phone number that is not mine and a birth date that is not mine. This company has still not removed my collection from my XXXX Credit report which lowered my credit score XXXX points. Please help get this removed. I have never lived at the address they are using.
Consumer complaint received 2023-10-13
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. (AZ)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-06-07
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. (VA)

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 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 writing 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 items 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 2023-10-13
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 HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT. THIS HAS CAUSED A GREAT DEAL OF STRESS AND MISSED OPPORTUNIES FOR ME. LATE /MISSED PAYMENT FROM TWO CREDIT CARDS XXXX XXXX XXXX XXXX  AND A PERSONAL LOAN ALL FROM XXXX XXXX XXXX . THIS NEGATIVE REPORT IS A DEFLAMATION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: LOBEL FINANCIAL CORPORATION (CA)

I purchased a used car in XXXX a XXXX. and unfortunately, it was repoed in XXXX and sold by the tow yard for {$3000.00}. Lobel Financial has been garnishing /wage attaching my paycheck since XXXX. I currently been with my new employer since XXXX and here comes an attachment from Lobel Financial again, filed XX/XX/XXXX. what the heck I recently saw on google that the had a class action lawsuit filed against them in XX/XX/XXXX. and lost. So now why are they coming for me again with a vehicle that was reposed and sold from XXXX this can't be legal. I need help! they trying to get 25 % of my check.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-04-05
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KY)

Attempted multiple calls to NELNET and unable to get anybody on the line. Their website states I must call to receive login information, and I can't pay without logging in. I am sending a letter today requesting administrative forbearance due to incorrect payment calculation ( ~ $ XXXX ) when the fed loan calculator states my payment should be $ XXXX based on my tax returns. NELNET is grossly mismanaging accounts.
Consumer complaint received 2024-04-05
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}