davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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. (DE)

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my XXXX XXXX card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to XXXX XXXX. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called XXXX XXXX to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was discharged in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called XXXXXXXX XXXX in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require manager approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX XX/XX/XXXX I receive another communication from XXXXXXXX XXXX stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX XXXX XXXX. On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called XXXX XXXX  that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX XXXX 's received the payment. XXXXXXXX XXXX responded to the XXXX with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because XXXX 's refused to transfer misapplied funds/issue a refund in a timely manner.
Consumer complaint received 2023-08-31
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. (TX)

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 XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I was charged overdraft fees even after I already had them and I went into the branch to cash a settlement check to pay my overdraft fees and I was turned away which I Never Understood!!!! Who Turns Down money at a Bank when that old customer owes it that Blew my Mind Ive been to other banks that is you owe for overdraft fees even after a period of time theyll let you come in with a check to cash so you can pay the overdraft fees, but I guess Wells Fargo Isnt One of Them and when I went to pay the overdraft it was more than what I was told when I talked to the Banker over the phone before I even went to the bank!!!!
Consumer complaint received 2023-10-31
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (TX)

This company IC System has continuously called my phone while I was working, I expressed to them that I can not get calls at work and that if I continue I would report harassment, the man on the other end called me a XXXX and said to just pay your bills and you would not have this problem and hung up in my face. I tried calling the number back and every time I would explain to someone what happened they just tried to move on from the conversation, this was insanely disrespectful and this is no way to run a company. This account does not belong to me.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/31, Chase Bank happily accepted a potential customer 's pertinent information, such as XXXX, XXXX, Address, etc., to be entered into their systems and open a credit product. 
I'm sure they were elated at the new account opened. 

At no point during the process did they match the entered SSN to existing accounts ( security check XXXX -- does this person already have accounts with us? ). Had they, they'd have noticed a mortgage, investment, checking, savings, credit card and auto account. By simply matching this input and asking the customer to sign in to their properly secured account via XXXX, this mishap wouldn't occur. 

Additionally, Chase accepted a home address that the customer hasn't resided at in XXXX years - because, reasons? 

I sure hope the executives at Chase are pleased with their eagerness to allow accounts to be open to report to investors, mind you, it's harder to pay for the credit card bill than it is to open an account. 

XXXX XXXX  business practices that are SO SIMPLE TO AVOID!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (SC)

i call XXXX XXXX after i received there letter from the debt collection agency they send my account to on XX/XX/, after this account was paid i have my bank statement showing this and the person i call said they would get this corrected but they put it on my credit report anyway, i also paid wayfair all of there money and called them and they told me that they sold my account to citi bank and citi bank told me that my account was over due, i paid this account out before the 6 month on interest, i paid them two to three months in advance as they stated as the terms of the agreement, i am requesting copies of the paperwork they have showing i owe them, and i want all of them removed from my reports, this is destroying my credit worthiness and my good character.
Consumer complaint received 2024-04-21
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. (TX)

I am submitting this formal grievance letter to you along with a request that you take immediate action. 
My credit is being harmed by your non-compliant, inaccurate reporting to the three major credit reporting agencies. The Fair Credit Reporting Act, sometimes known as the FCRA, is being broken by you. Fines and damages could be imposed for the infractions. I am offering you this one final chance to resolve your purported credit situation. I had already warned you in writing that you were reporting in an improper manner. Furthermore, I did include in that request the prerequisite ( s ) you needed to make sure that only compliant data is kept on file. As a result of your clearly ongoing misreporting, unethically non-compliantly reported in that it implies that my sent notice was shockingly neglected.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Collection Closed {$8200.00} Reported XX/XX/XXXXXXXX XXXX XXXX Collection Closed {$600.00} Reported XX/XX/XXXXXXXX XXXX XXXX  30+ days late Closed {$0.00} Reported XX/XX/XXXX Installment XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-21
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. (TX)

I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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 an alleged fraud or extortion. 
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 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have sent several disputes via mail, online and over the phone due to identity theft. Equifax and XXXX have failed to investigate within 30 days after receiving the certified mail and online disputes. They also have yet to mark these fraudulent inquires as being disputed and will not remove them from my consumer report even after I have filed an FTC identity theft form complaint and submitted all documentation required for removal due to identity theft. Equifax and XXXX are violating FCRA rights and furnishing incorrect information. I have never lived at the address where these inquiries were made from. Please reinvestigate and remove all XXXX fraudulent inquires related to identity theft. see attachment. I will pursue {$1000.00} for each violation as this is affecting my ability to apply for credit
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have been harassed by this company Wakefield and Associates. There is debt listed on my credit report from this company with three different amounts : XXXX, XXXX, XXXX I am not liable for the debt owed to Wakefield and Associate. I do not have a signed contract or agreement with this company. Please delete these negative and inaccurate accounts from my credit reports immediately.
Consumer complaint received 2023-12-21
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-09
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: Vela US Holdco. Inc. (IN)

This is another complaint to my list of complaints on the XXXX XXXX XXXX, and their negligence in validating and correction XXXX XXXX XXXX. 
FAME, debt collector, is listed on my credit report, XXXX XXXX Federal Highway # XXXX XXXX XXXX, FL XXXX, phone number listed ( XXXX ) XXXX. The credit report shows that the account number XXXX is closed, and XXXX as the amount. It says, " account transferred to another office '', there is no original creditor listed. It also reflects that, " student loan assigned to government ''. The account is incomplete and inaccurate. 
This account is damaging my credit worthiness, due to the defamation of character. What is the PERMISSIBLE PURPOSE ( 15 USC 1681b ) ) for FAME to be listed on my consumer credit report? Did FAME extend credit? Is there a two-signature contract? 
I demand that XXXX validate the alleged debt. 
I am demand proof of clam for this alleged debt from FAME.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-15
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any erroneous accounts. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA (MI)

I've recently paid for my credit reports and reviewed the information provided by you. I've identified numerous inaccuracies in my credit file. The listed accounts were not opened by me, and I did not benefit from them. Additionally, these unauthorized accounts and inquiries were initiated without my consent or knowledge. I neither opened nor gained any benefit from these accounts, and I did not authorize anyone else to do so. It's crucial to rectify these inaccuracies promptly. 


They are being listed as follows : ( Accounts ) 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 XXXXXXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I have requested Equifax the extended fraud alert several times by sending the necessary documents ; however, Equifax continues to ask the documents for initial alerts on XX/XX/XXXX of 2024. Therefore, I have checked its website, and found out only initial alert is on. I am not sure whether I need to send the necessary documents for extended 7 years alert to this company, since the mailing service had so much trouble until I received the ordered and wanted items reached to me, or even some of my ordered are disappeared. Maybe, these documents which I have already for the extended alert might be disappeared on the way to the XXXX office and be used for the fraud activities.
Consumer complaint received 2023-08-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Improper use of my report .In accordance with the fair credit reporting act. This creditor ( CREDIT ACCEPTANCE ) has violated my rights under 15usc1681 sec602. States I have the right to privacy 15usc1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with out my written consent .Under 15usc166b a creditor may not treat a payment on an open consumer credit plan as late for any purpose. 
I have spoke with several representatives at this company last representative we set up an agreement I have been following .I was told all late payments would be removed and they have not .Most of the late payments have came from the covid when it hit.
Consumer complaint received 2024-04-21
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. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Im really worried that PORTFOLIO RECOVERY is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX, have the right to privacy. PORTFOLIO RECOVERY has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to PORTFOLIO RECOVERY to contact me. PORTFOLIO RECOVERY has/ or purchased my private information without my consent. I never contracted with PORTFOLIO RECOVERY. 
PORTFOLIO RECOVERY is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand PORTFOLIO RECOVERY to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for PORTFOLIO RECOVERY to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Consumer complaint received 2024-04-21
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. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.