davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to formally file a complaint against EQUIFAX located in XXXX, XXXX  ; XXXX located in XXXX, XXXX  and XXXX located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-04-10
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-14
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. (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. 


has violated my rights. Or 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 2023-10-21
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: Experian Information Solutions Inc. (FL)

Experian Credit reporting agency is now only showing one credit card company, XXXX XXXX. The last update shows only XXXX card. Company paying down my debt. In the past 60 days there has been no new charges and all payments were made early and well over the min amout due. 
I not only have had points taken away for hard inquiries but also usage the over 30 % rule. 
How can I ever get back points taken if the cards nolonger are showing up on my report?
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I am a customer of Huntington Bank, formerly XXXX. 

On Thursday, XX/XX/XXXX I checked my bank balance because I was going to make some monthly payments. Everything was fine. 

Later in the day I got a call from Huntington Bank. The caller said there was a charge he was checking to see if it was mine. He said it was " XXXX  XXXX ''. I told him it was not mine. He said they would take care of it. I asked how it happened and he said they accessed it through my debit card. I asked him to close off access to my debit card. He said he would cut off the debit card. 

I had a question that I wanted to ask about making my house payment so I called back. I recognized the phone number as the one I always called and received phone calls on. But this XXXX time the call was answered personally by the person who had called me earlier. He told me that I had to transfer the money in my savings account to the checking account in order that all my funds would be protected. I did as directed. 

I thought it was odd that the man answered the phone number I had always made and received calls on. During XXXX of our conversations he asked me if I knew someone named XXXX XXXX. I said I did not. 

On Monday the XXXX I saw more charges but I figured they would be taken care of because of the conversations on Thursday and because they were marked " pending. '' Within a short time some large XXXX purchase appeared on my online account : {$790.00}, {$690.00}, {$630.00}, {$730.00}, {$770.00}, Nobody called from the bank to ask me about these questionable charges. 

I have never ordered anything from XXXX. 

Because I had been talking to someone on the phone number I recognized, I felt safe. However, this circumstance suggests there was/is some internal problem, maybe fraud internally at Huntington. 

I had gone ahead and made some monthly payments but started to receive " not sufficient funds '' notices. I called the bank on XXXX, the XXXX. They said they were " working on it. '' After XXXX phone calls that made me to understand it would be alright, I should not worry and they had their research team working on it, I thought maybe matters would improve. 

It is not alright. I have lost {$4200.00}. I am over XXXX, retired and on a fixed income. 

I have not received any merchandise from " XXXX  XXXX '' or from XXXX. I would suggest a proper investigation would be to find out who got the things I did not order. 

On Friday, the XXXX I called the bank. They said they closed the investigation on the previous Wednesday I believe the bank has failed to freeze my account, possibly - negligently let someone take over their system to commit fraud, failed to do the merest investigation and failed to put the money back into my account. 

Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

FCRA viloations not my XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( XXXX ) XXXX
Consumer complaint received 2023-09-04
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 (NV)

I have noticed this fraud account from Capital One. I disputed it whit the bureaus ( XXXX, XXXX, XXXX ) and they're telling me it's verified. I have never been associated with address on file ( XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2023-11-18
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. (MI)

The debt collector who does not adhere to FDCPA regulations must be promptly removed from my credit report. This complaint revolves around XXXX Credit Bureau 's failure to validate the debt despite XXXX requests from me. They have exceeded the XXXX timeframe required for validation. This clearly indicates their use of unauthorized access to my credit report and disregard for proper procedures.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (OH)

On XX/XX/2021, received a letter from Unifin , INC, that stated that XXXX also known as XXXX, would settle a debt for {$5800.00} for the amount of {$2600.00}. 

OnXX/XX/2021 I gave them my credit card for that amount, which they immediately, pulled out of my account. They said I would have an email receipt within 24 to 48 hours. They gave me a confirmation number XXXX. 
I never received this receipt. 

On XX/XX/2021 I called again, was told the same thing and was told if I didn't received by the XXXX of XXXX to call back. 

I called back on the XXXX of XXXX and was told again it would take 24 to 48 hours for them to send the receipt. 

In the meantime XXXX is refusing to remove the account from the credit bureaus ' because they say they have no record of the account being paid. 

Since they are refusing to send the email, I have to assume that they took my money under false pretenses, which is theft. 




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Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (GA)

they are reporting the date of my last payment in correctly. I stop paying all of my chase accounts in XXXX. they are reporting last date of payment 1XXXX .this account is out, of statue its been 7 years since I made a payment
Consumer complaint received 2023-11-18
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. (FL)

XXXX XXXX XXXX / XXXX Balance : {$440.00} Open : XX/XX/23 Account status : Derogatory Collection/ Chargeoff Closed : XX/XX/23 Inaccurate reporting/ unauthorized and unverifiable. This account was opened fraudulently. This account is damaging all three credit reports. This is very overwhelming due to fraud.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (PA)

On XXXX XXXX I was scammed out of {$6000.00} by an individual posing as a key bank employee. I had to have the account frozen due to the compromise and opened on a new account on XX/XX/2023. I questioned several times about how outstanding transactions such as direct deposits checks or anything associated with the old account. I was assured that the account would be frozen but would remain open so that if this did occur they would basically intercept the transactions verify the validity and push said transactions thru to the new account. That didnt happen I was penalized for {$50.00} on a card that was attached to my bank account so th amount was declined and the penalty {$50.00}. I also had a landscaper have my check declined for {$150.00}. On XX/XX/XXXX, I received a letter from the bank advising me that due to fraudulent activity on the account they were closing the account on XX/XX/2023 the same day I reviewed the letter. It also stated that I should reach update any direct deposits asap. I receive my social security thru direct deposit and had already contacted them to update my account info for my direct deposit. Now today I am received a notice from social security verify that I had updated the information but also to advise that I should keep the account that keybank closed without my knowledge or at least in a timely fashion. This is causing further financial distress because social security has advised it may take 1-2 months to change were they send payment. Key bank has not taken any responsibility or accountability for their contributions to causing me further harm financially and mentally
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX XXXX  - XXXX
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (MI)

Gift Card issued by BlackHawk Network. I had a couple of small fraudulent charges. I called to place my card on hold when I would be out about {$7.00}. It took them 2 days to put the card on hold and then a larger charge appeared because they did not immediately put my card on hold. Blackhawk Network will not reimburse me. I accept the two small but fraudulent charges of XXXX and XXXX as that was my husband being misled. The {$68.00} charge was completely their fault. After 90 days they say that there was no fraud. All 3 charges were fraud but the third fraud was only because their customer service did not place my card on hold on XX/XX/30 when I called after I saw the two small charges. The {$68.00} took place on XXXX. I called back on XXXX as I wanted to know why the {$68.00} was not being reimbursed since BHN failed to place my card on hold. I was on the call with the agent for more than half hour. They said the merchants told them I authorized the charges. The {$68.00} is UNTRUE. I did not authorize criminals to make charges on XXXX at all. By not placing my card on hold and inactivating it, BHN actually allowed the card to be used. I simply want the {$68.00} returned by way of another card. XXXX  XXXX  XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a Capital One account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2023, I opened a Chase Sapphire Banking account and JP Morgan Self Directed investing account. I opened the accounts to consolidate my wealth and deposit a JP Morgan check given to me by a third party. I opened the checking account, and deposited the JP Morgan check, which was put on hold for a significant amount of time. 

I linked my XXXX XXXX XXXX XXXX XXXX account using the XXXX deposit method. After linked, I attempted to deposit {$100000.00} into my JP Morgan self directed investing account. Shortly after, my account was frozen. 

I reached out immediately to Chase phone support, who unlocked the account and told me to resubmit the transfer a different way. They told me the initial transaction was declined. 

I decided the better solution was to initiate the transfer from my previous bank, XXXXXXXX XXXX XXXX instead. I initiated the transfer but the account was locked shortly there after. 

I went to the nearest Chase branch, who helped unlock the account by calling XXXX to confirm the transaction was valid, as well as validating my ID. 

My chase account was locked again after purchasing a Treasury bill on XX/XX/XXXX with the newly available funds in the JP Morgan Self Directed Investing account I spent hours on the phone trying to get an answer, who told me the bank initiated a closure. One representative told me to go back to the bank branch to unlock it. 

I went to the bank branch who were shocked by the developments, and spent several hours trying to get the problem resolved, reducing the investigation from 10 days to XXXX. 

I reached out to Chase executive relations who promised to investigate as well. I did not hear back any details. I reached out to the branch who were under the impression I knew the account was in the funds disbursement phase of closure and I had been notified. 

During this time, I have had no access to my savings and the check for {$4000.00} I deposited and a direct deposit was declined. I had to use my small amount of funds remaining in wealthfront to make minimum monthly payments on cards to hold me until my next paycheck, putting a financial burden on me with interest fees I did not intend of accruing. 

XXXX office case id number # XXXX XXXX
Consumer complaint received 2024-05-09
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: DISCOVER BANK (MI)

I noticed some hard inquiries on my credit report that i did not respond or authorized and i would like them removed from my credit report this is from XXXX i had XXXX hard inquiries that i didnt authorize Discover financial services Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX Inquiry date XXXX Discovery financial ser Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX Inquiry date XXXX
Consumer complaint received 2023-04-26
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Requested the closure of XXXX XXXXXXXX XXXX  XXXX ( XXXX ) on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXX ask to removal and trying to dispute, but XXXX XXXXXXXX XXXX  XXXX, refuse delete that inaccurate info
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MO)

On XX/XX/XXXX the primary on the car loan reached out to Credit acceptance to have a payment plan set up due to a financial hardship. They agreed to the payment plan, and we asked if it would affect the credit which we were told no it would not. I as the co-signer have been monitoring my credit report since XXXX when I got a notification the account went to delinquency. I filed a report with them that this was incorrect not only were we told that it would not affect my credit but also the amount owed. When myself as the cosigner saw the delinquency, I went ahead and paid it fully the total amount was XXXX and some change on the credit report they reported it as XXXX. Which is fully incorrect information. When i filed with Credit Acceptance they claim it is fully correct to report the false information along with a delinquency
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (ME)

Bmo alto closed my account illegally and said at first there closing my account and sending my a check to me for the balance then when i called to check on it they tried accusing me of doing something wrong when I didnt and they said they sent the money back to the person sending me the money they said he requested it back from bmo alto which I do not believe i believe they stole my money and scamming people and false promises and advertising