davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

I received an email about a card being shipped out to me but I didnt order card. I called chase bank about the email and he basically said that it was system generated and everything is okay. Few days later I check my account and money was missing, I called the bank and filed a claim about the missing money. They credited me the money but took it back because they said the transaction was authorized and it resulted in my account being overdrawn. They wont give me my money back
Consumer complaint received 2023-12-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NC)

I am requesting The CBE Group XXXX Inc. to send me verification- ( 28 USC 1746 ) of this alleged debt by XXXX XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting The CBE Group , Inc. to cease & desist all communication unless for verification purposes. I am also demanding The CBE Group , Inc to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

A collection showing on my credit report does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 to be reporting improper accounts on my credit report.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

My XXXX XXXX XXXX  showed a derogatory account that I owe I.C System Inc. {$2300.00} stemming from XXXX XXXX XXXX XXXX. I spoke with I.C. System, and was told to file a report of fraud. I only use XXXX for my internet and that bill is deducted monthly auto pay from my bank account. It appears someone is using my information. I need to have this removed. XXXX said I need to submit a report with FTC.Gov, in turn that site directed me here.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Dear Sir/Madam, I am writing to dispute the collection account that was placed on my credit report by IC System Inc. in the amount of {$580.00} on XX/XX/2021. I believe that this collection account is a violation of my rights under the following regulations : - 12 CFR 1006.34 ( b ) ( 5 ) - 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - 12 CFR 1006.34 ( d ) - 15 USC 1681 -s 2 ( 7 ) ( a ) I request that this item be removed from my credit report immediately. I have reviewed my records and have found no evidence of owing this debt to IC System Inc. Additionally, I have not received any notification or communication regarding this debt prior to it being placed in collections. 

I am requesting that IC System Inc. provide me with validation of this debt and proof that it is valid and accurate. If IC System Inc. is unable to provide this information, I demand that the collection account be removed from my credit report. 

Please investigate this matter promptly and provide me with a written response within 30 days. Failure to do so may result in further action being taken. 

Thank you for your attention to this matter. I look forward to resolving this dispute and having the collection account removed from my credit report. 

Sincerely,
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

The account was originally opened with BB & T years ago. I removed funds from the account in 2022 and left approximately {$400.00} in the account. I did not realize this was below the free checking account minimum fund requirements. 

Unbeknownst to me, as I was not monitoring the account I was not actively using, a monthly fee of {$13.00} was assessed on the account until the balance was drawn to {$0.00}. Truist then began assessing the service fee of {$13.00} on the credit card associated with my account. When the credit card was not paid, I was then assessed late fees. 

Truist contacted me to let me know they were going to send my credit card non-payment to collections. I at first thought there was fraud on the account, as the credit card has never been used. It was then that Truist looked into the transactions and explained why there was a {$150.00} balance on the credit card - all due to fees associated with Truist drawing my checking account balance down to {$0.00}. 

I visited a Truist branch multiple times and eventually closed all of my accounts. Since then, Truist has continued to add service fees to my credit card. I requested that Truist refund my {$400.00} to the checking account and remove the {$150.00} in fees on the credit card. I do not understand why Truist feels they were " servicing '' my checking account that was {$0.00}, with XXXX activity, and thus charging fees to a linked credit card. 

These junk fees seem predatory, excessive, unfair, and deceptive.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

Someone tried to open a credit card account in my name through JPMCB CARD on XX/XX/2023. I found this in XXXX XXXX XXXXXXXX XXXX. I called JPMCB in XXXX to inform them of this issue.
Consumer complaint received 2024-01-11
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (CA)

On XX/XX/XXXX, I received my consumer report and some derogatory items being reported to my consumer report that didn't have Permissible Purpose, ( 15 USC1681b ). I have been a victim of identity theft ; someone has used my personal info for their personal gain. Please see attachments. Please delete all accounts/inquires listed below. 

XXXX. ) XXXX XXXXXXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XX/XX/XXXX
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

XXXX is charging me XXXX devices of internet that were returned by XXXX to their warehouse. According to the company these was resolved happened to be on my name and I have proof of this with their email, I do not own this debt and is affecting my chance to increase my credit score with the financial bureau.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CO)

I believe the account is invalid. BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Barclays # XXXX.
Consumer complaint received 2023-09-19
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: Mercedes Benz Financial Services (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 2023-10-03
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. (NJ)

This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to XXXX. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to Equifax. This card is XXXX years old, and stopped reporting which caused a drop in my credit report.
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MO)

I took out a personal loan with OneMain Financial Group, LLC XX/XX/XXXX. This was to refinance a current loan with OneMain and get additional money. The loan amount was {$9300.00}. Cash to me, {$4500.00}, Amount Paid on my Prior Account {$2600.00}, Fees Financed {$100.00}, and Optional Credit Insurance Financed. In XXXX I started having financial hardships. OneMain offered to defer my payments of $ XXXX asked if they would report me to the credit bureau . They said no as long as I make the deferred payments of {$160.00}. OneMain Reported to the three credit bureaus that I had deferred my payment. This is a breach of a verbal agreement. When I would come into the office to make my payment, the ladies would do some shady transactions with the receipt. I did not notice it until now when I pulled all the papers for the money I gave them. 
XX/XX/XXXX, Payment {$20.00}. Principal {$2.00}, Interest {$17.00}, new balance {$9200.00}. 
XX/XX/XXXX Payment {$160.00}, Principal {$8.00}, Interest {$140.00}, new balance {$9200.00} ( only {$4.00} deduction ) The Deferment Agreement was written on XX/XX/XXXX, but on it my next payment was due XX/XX/XXXX. Making a payment on XX/XX/XXXX, would make my payment late and a late fee taken out of {$15.00}. The same thing went on in XXXX. Out of {$160.00}, {$0.00} went to the principal, {$150.00} went to interest and {$14.00} went to late fees. New balance {$9200.00}. Deduction of only {$5.00}. On XX/XX/XXXX I made a payment of {$160.00}, principal {$7.00}, interest {$160.00}, and no late fee. New balance {$9100.00}. That's a {$12.00} deduction from XXXX XXXX this rate it would take years, too many years to pay off this loan. I had credit insurance. Why didn't thwy use it to write off my balance. XX/XX/XXXX OneMain charged off the balance and set my account to OneMain 's Account Resolution Center for collection. How are you going to charge off and then send for collection and not use my credit insurance? OneMain is still reporting to the three credit bureaus that I have missed a payment since XXXX. OneMain continues to effect my credit score with fraudulent information about me. I can not establish new credit with the damage they have done to my credit report.
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (AZ)

I have requested a decrease in the interest rate, and was only granted another loan term with just very limited decrease in interest. The interest is extremely elevated One Main financial only offered that I take out a new loan, this only caused more and more added terms to the loan. I have been stuck with this since XXXX to current. I have never missed a payment. 

I became very ill in XXXX with XXXX  XXXX and was on XXXX XXXX XXXX with my employer. I had already been offered XXXX coverage with OneMain financial in XXXX which was an added cost to the monthly loan installments, this benefit served as paying my payments on my behalf with small balance left for me to pay out of pocket.

I would like to dispute the practices and interest rates of my loan in effort to be debt free from this financial burden.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (VA)

PNC bank dropped my credit line from XXXX to XXXX. When I called their customer service the woman I spoke with refused to provide me with a reason. I checked my credit report on XX/XX/2024 and I have an exceptional payment history listed with all my creditors. Since PNC pulled this move my credit score has dropped. This is utter nonsense that a creditor can drop someone's credit line with no notice and without a valid reason.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be completely deleted from my history because it is not mine, it XXXX  me
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am not able to access my Transunion Credit Report through annualcreditreport.com nor transunion.com. Each time that I try to authenticate my information, on both platforms, it says that it can not be completed at this time or gives some type of error message. This is the second or third time that this has happened. I do not have the same issues with XXXX or XXXX.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

XXXX XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

Representative told me my debt was {$260.00}, which is what I paid. After the fact, I learned that I paid a settlement amount. My debt was actually {$350.00}. I called and spoke to an office manager who engaged in abusive behavior. Used foul language and refuses to acknowledge any wrong doing on the company 's behalf.
Consumer complaint received 2023-04-27
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: Ability Recovery Services, LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, ms XXXX In relation to medical debt, this is NOT a validation of this debt. I am requesting my signature for the services provided, I dont recall. This is a direct Hippa violation with diagnosis codes without written or signed consent. Please send my signature where I received services or remove from my credit file. 

Hippa violation showing diagnosis codes without signed or written consent. Please investigate
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

FCRA is clears stating that consumers credit report has to be 100 % accurate and complete. 
The following following Tradelines does not have date that accounts were closed. Account listed be are incomplete and inaccurate. 

This is a violation of the FCRA. 
XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Un

authorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent violates the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices. Misrepresentation by Debt Collectors :
Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.