davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I HAVE XXXX CHASE CREDIT CARDS AND I MADE ELECTRONIC PAYMENTS ON BOTH ACCOUNTS ON XX/XX/24 ; THE PAYMENT MADE ON THE CREDIT CARD ENDING IN XXXX WAS XXXX AND AT THAT TIME THE BALANCE DUE WAS XXXX BECAUSE I MADE THE PAYMENT ON XX/XX/24 AND THE PAYMENT WAS NOT DUE UNTIL XX/XX/24, I WAS CHARGED FOR FAILING TO MAKE MY MONTHLY PAYMENT ON THE ACCOUNT THE ACCOUNT WAS UP TO DATE AND HAD BEEN PAID ELECTRONICALLY THE MONTH BEFORE THE EXPLANATION GIVEN BY CHASE WAS THAT MY XX/XX/24 PAYMENT WAS 'EARLY ' AND WAS NOT CREDITED TO THE AMOUNT DUE ON XX/XX/24 WHICH WAS THE BEGINNING DATE OF THE CREDIT CYCLE - EVEN THOUGH I HAD OVERPAID THE BALANCE DUE. 
I WAS CHARGED A LATE FEE BECAUSE I DID XXXX MAKE ANOTHER PAYMENT ON THAT SAME BALANCE BETWEEN XX/XX/24 AND XX/XX/24.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There was a dispute filed XX/XX/XXXX regarding inaccurate and unverified furnishings on my consumer report. There were 9 inaccuracies reporting and damaging my financial reputation and credibility. After investigating Equifax verified that the furnished information was inaccurate and removed all XXXX disputed inaccuracies. The removal and verification of the inaccuracies proves violations of The Fair Credit Reporting Act, Consumer Financial Protection Act of 2010, Fair Trade Commission Act, The Privacy Act of 1974, The Fair and Accurate Credit Transaction Act as well as a direct violation of 12 CFR 1022, 15 USC 1681 ( a ) ( b ), 15 USC 1681 c ( h ) ( 1 ) INACCURATE AND FALSE REPORTS. There was no validation and or verification provided by me to Equifax before these inaccurate reports were furnished Violating 15 USC 1681 ( b 2 ) ( i ), 15 USC d ( B ) nor was there an opportunity to opt out of the furnishings pursuant 17 CFR 248.124
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

I requested my XXXX in mail never received 7 months later as well as I just bought a new apple phine got new accounts other updated all my passwords logins for XXXX XXXX XXXX XXXX Mohela Ombudsman All corrupt can not use my accounts my passwords logins do not work after I sat for hours on the phine to change all of this last month. I was sent confirmation of this and I still can not use I requested new updated loan status as far as my idk plans still never heard back
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Telephone Number : XXXX True Link Financial XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Telephone Number : XXXX Re : True Link Financial, Inc Unlawful Use of XXXX XXXX XXXX XXXX XXXX File Account Dear Sir/Madam, I am writing to address a serious matter concerning my Experian Credit XXXX account and its connection to True Link Financial , Inc ( `` True Link '' ). My name is XXXX XXXX XXXX, hereinafter referred to as " the Complainant. '' On XX/XX/XXXX, I had discovered unauthorized activity onto my XXXX Credit File account, indicating that individuals may have utilized fictitious, similar, or identical names, and potentially altered their legal names to match mine, in order to establish True Link VISA accounts without my consent. 

It is evident that these individuals unlawfully accessed and misused my XXXX XXXX XXXX ( XXXX ), including my social security number, date of birth, address, and etc. to create these accounts. True Link has been complicit in this unauthorized activities by both improperly accessing my XXXX credit file account and reporting inaccurate information without my consent. This was noted on XX/XX/XXXX, and XX/XX/XXXX, wherein True Link falsely reported my legal residential address incorrectly that does not exist that perpetuate their fraudulent activities despite my lack of any association with True Links services. 

I must emphasize the severity of this breach and its implications for my identity security and privacy rights problems. I am demanding immediate action from True Link to close any VISA accounts linked to the misuse of my PII with XXXX. Failure to comply will result in legal consequences for True Link, as True Link business establishments are directly responsible for the breach of my XXXX Credit File account and subsequent identity theft issues. 

Furthermore, I am legally entitled to receive all pertinent information from True Link regarding the individuals who established these accounts using my PII without my authorizations. 

I urge True Link to take prompt and decisive action to rectify this situation and prevent any further harm to my personal identifiable information and credit reporting agencies accounts. Failure to do so will result in legal action being pursued to safeguard my rights and hold True Link accountable for your actions. 

Please refer to Exhibit A for additional details regarding this matter. 

Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have proof that my personal information has been compromised/breach through XXXX, Transunion, and XXXX. 
I never gave any of those companies written or verbal consent to disclose my personal information.Now my credit is in shambles and Im being sued by debt collectors!
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
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. (CA)

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. PLEASE DELETE THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

Wakefield and associates has been trying to collect a medical bill from me for 2 years. First the bill should have been billed to my insurance as I have two insurance plans, but the hospital sent it to collections and never sent me a bill. Second I never signed an agreement that had the bill collecting interest. This bill started at XXXX and they had already added interest to it before contacting me and I refused to pay interest on a medical bill. We have been arguing for 2 years now and I believe what they are doing is illegal. The bill is now XXXX dollars. I have reported it to the credit bureau and they dont care.
Consumer complaint received 2024-04-10
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. (WY)

I hope this message finds you well. I am writing to formally lodge a complaint regarding the second attempt made to remove the fraudulent items from my account. Despite the previous assurances and the initial steps taken, I am disheartened to report that the issue persists, causing undue stress and inconvenience on my part. 

This failure to effectively address the fraudulent activity not only jeopardizes my financial security but also undermines my trust in your institution 's ability to safeguard its customers ' interests. 

I urge you to escalate this matter to the appropriate authorities within your organization and take decisive action to rectify the situation promptly. I expect a comprehensive investigation into the root causes of these repeated failures and assurances that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance XXXX {$5500.00} 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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-23
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I am writing to formally address the ongoing issue regarding late open accounts account on my credit report and express my frustration with the several unsuccessful attempts to have it corrected. Despite previous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address this matter. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$32000.00}.
Consumer complaint received 2024-04-10
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. (MD)

XXXX is reporting on my credit a debt that I do not owe {$1700.00}. I never opened an account with them or XXXX  and the credit bureaus have failed to provide or remove the erroneous information from my report. 

XXXX XXXX XXXX is reporting on my credit a debt {$1700.00} that I do not owe I never opened an account with them or gave them any information and do not owe this debt. The credit bureaus have failed to provide or remove the erroneous information from my report.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-23
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)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (NJ)

To update this suspicious information, I filed this report. I shall take legal action against 3 Credit Bureaus if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 2024-01-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (WA)

I sent for refund requests for 4 different money orders. I received 4 checks from Western Union and can't cash them. Took the checks to XXXX XXXX and they are saying the checks Western Union sent me are fraudulent checks.
Consumer complaint received 2018-08-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.
Consumer complaint received 2024-04-09
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-07-02
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: MoneyLion Inc. (VA)

Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.