davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

I sent a Letter regarding an unsolicited bankruptcy on my account that was furnished without my consent on the XXXX of XXXX. I have proof that you all received it on the XXXX of XXXX. It's been over a month that Lexis Nexis has not responded to my letter and when I call they say they have not received it.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IN)

Discover is overcharging me for interest that is supposed to be at 15.49 % APR on an approximate balance of {$1200.00}. I have another card with XXXX at a 28 % APR and the interest is at $ XXXX XXXX Discover XXXXs charge of $ XXXX. A XXXX rep calculated interest at 15.49 % and it should be $ XXXX, approximately. 

I called Discover and they refused to give me my card number and they refused to calculate my interest with me over the phone. Instead they are sending another card out to me and they are sending a copy of their cryptic credit card agreement. 

I am a XXXX XXXX XXXX XXXX who almost lost my life in XXXX due to exposure to an unknown toxin. I was using my Discover Card to pay for housing ( AirBnb ) and other living expenses while I recovered and tried to piece my life back together last year by finding more permanent housing and a job, while undergoing surgery for minor XXXX XXXX that I also developed in service, in addition to recovery from trauma and toxin exposure. Discover charged me over {$1600.00} in interest charges on a balance below {$15000.00} in XXXX. This is criminal and warrants an investigation. 

Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( XXXX, Equifax, and XXXX ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXX. Account # XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc. (MO)

On XX/XX/XXXX, I paid for a background check on XXXX, which is processed through Sterling Check. The background check was supposed to take only XXXX days. On XX/XX/XXXX, I called Sterling Check to see what the status was and the reason for the delay. I was told to call back on XX/XX/XXXX, which I did. They provided no update except they changed the " estimated '' completion date to XX/XX/XXXX and to call back in XXXX hours to check the status again. I called again on XX/XX/XXXX to check the reason for the delay ; their response referenced that the Kansas Court system is down and they don't know when it will be back up. Based on a news article about a security breach, the Kansas Court system has been down for XXXX weeks and will not be back up until after XX/XX/XXXX- making the background check take more than 3 months. In addition, I do not live in Kansas ; I only landed in Kansas for a few days while I was waiting on my apartment in Missouri. I updated my address with XXXX but XXXX refuses to use my current and permanent address for the background check. I barely stayed in Kansas for a few days. There is no reason for XXXX to be forcing a background check in a state I was only visiting. 

With the background check taking an estimated more than 3 months to be completed, I demand a full refund of the fee I paid to rover for the background check.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

I found inaccurate information in my MIDLAND CREDIT credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2023-11-16
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. (VA)

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 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (OR)

WHen i apply and got the credit card from Commenity Bank in XX/XX/XXXX, the offer was if I spend {$500.00}, they will give me {$100.00} back. I use the card spent XXXX XXXXXXXX in the first month, and paid off the balance on time. Now is XX/XX/XXXX, They still have not gave me the {$100.00} bonus. They are claiming need time to investigate.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC. (PA)

Breach of peace in repossession. Personal property was confiscated on the scene against my protest Police should have stopped the improper actions of the repo agent. XXXX XXXX had only a unofficial, questionable computer " order '' on a tablet Went to retrieve items after and was denied access
Consumer complaint received 2023-09-05
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)

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I got a call from TD Bank about fraud charges on my debit card - 3 atm with drawls for {$260.00}, {$500.00}, and {$500.00} totaling {$1200.00} as well as 4 debit card purchases {$7.00}, {$79.00}, {$180.00}, {$680.00} totaling {$940.00}. I filed the atm charges separately as the purchases still haven't posted to my account but I then filed a claim once they did. I was only given money back for the atm with drawls claim. I made a police report and tried reopening the claim for the purchases 3 times, they refused to give me back the {$940.00} by claiming it was not fraud.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

XXXX XXXX XXXX sent me notice that my recertification would be due soon and that they would send me what I needed, they never did and started to charge me a monthly balance ( that I did not have ), when I was a month past due I figured out what was happening and recertified - they approved for ONE month, then sent me mail saying that I was past due for recertification - that I had just done the month before so HOW can I be past due, I completed the paperwork for a new payment amount based on the recertification that I had done - I uploaded paycheck stubs to show my current income, they then said it was incomplete so I sent a message that the paycheck stubs were attached what else did they need, now they have upped my payment again because I am past due for recertification!!! I received no answer to may mail messages. I am now over 1600 past due with a new payment that is almost 900 a month!!!!
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 52. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 53. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 58. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 59. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IL)

Diversified Consultants contact me by phone and mail debt i dont know, and reporting to credit bureaus i sent certified mail XX/XX/2018 asking them to validate debt proof of contract singiture they fail to do so. Need removed and closed from credit report thx
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Patenaude & Felix A Professional Corporation (PA)

Went to court and agreed on {$15.00} a month auto payment. Did t notice when it stopped after 2 years on their account until I got a letter about suing me again and then the day after XXXX XXXX XXXX they garnished my bank account over {$2500.00} with {$120.00} in it and havent sent the letter to release it since the amount was below the {$300.00} threshold and has had it locked for a month now. Never sent notification of garnishment or anything to resolve matter afterward. XXXX has sent letters etc and they still call me like nothing has happened refusing to identify themselves before the call.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (LA)

I am writing to file a formal complaint regarding unauthorized actions taken by Alley Bank in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX, and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX. I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX. Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (OK)

Exeter Finance LLc is falsely reporting loan XXXX, as a charged off tradeline, in fact was a suurenderd do to engine failure under lemon laws, currently filed claims in the XXXX XXXXXXXX engine fail ure class action, where a pending claim for $ XXXX to pay them. They are aware that they are falsely reporting under fcra and must be corrected today. see attached.
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TX)

ALLY FINANCIAL has an account reporting to my consumer report inaccurately. Ive reached out multiple times to fix this issue and get nothing but violations of my rights. This debt isn't mine. I want this account REMOVED from my consumer report.
Consumer complaint received 2023-05-01
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. (WA)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX reported delinquency in XXXX to all credit bureaus while on forbearance causing a large credit score drop. A dispute was entered to all credit bureaus for corrections in XXXX being provided an expected resolution in XXXX. Negative reporting was removed however the amount of credit score deduction was not honored at the same value for credit score correction. I was informed by all credit bureaus that they had no control of the amount adjustment and there was nothing that could be done to rectify the issue. However directed me to the loan servicer which with the situation at hand has not been available to reach.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting false information about an account with XXXX XXXX. They are reporting that there is a late payment on the account which is false and is properly reporting on XXXX. This is a violation of 15 USC 1681, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I demand proper compensation for the violations of my rights as a consumer, the harm that this information has caused me, and the missed opportunities of this false reporting.
Consumer complaint received 2024-01-30
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase customer for over 20 years. As recent as XXXX, I have experienced some unprofessional, unethical, and illegal business practices by the company employees locally and via the call centers. 

On XX/XX/XXXX, I call Chase because I noticed a phone number ( XXXX ) registered as a contact under personal information account. I could not change this information because Chase has blocked my ability to update my personal phone number on my account via the Chase app and Chase Online Banking. The agent who responded to the call was able to change this information after several tries. 

On XX/XX/XXXX, I call Chase again because I noticed the same number ( XXXX ) registered as my contact under personal information. Again, Chase has this portion of my account blocked, which restricts me from changing my personal information as necessary. 

While logged into the Chase app and Chase Online Banking, I spoke with call center agents from the XXXX. During the call, my account was locked for suspicious activity and I was required to call a different number. When calling the different number, the agent refused to verify me and stated should would call me back. However, she never called my number. 

This is has been an off-and-on problem with the Chase agents. In XXXX, these rogue Chase agents changed my account number during while I had a legal matter that required me to provided payment history for payments made from my account. After the litigation, they changed my account number back to what it is now. In XXXX, they closed my account after I was able to successfully file a fraud claim for all the unauthorized charges made on my Chase Amazon Prime credit card and was reimbursed over {$500.00}. 

These rogue Chase agents are committing fraud, abuse, and performing illegal business practices.
Consumer complaint received 2024-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company (VA)

I'm XXXX XXXX XXXX and a XXXX  resident stationed in XXXX. My mortgage is financed through Freedom Mortgage and I have requested to apply XXXX  SCRA statute LA RS 29:312 which states that debts incurred prior and during XXXX XXXX service must be capped at 6 %. I have been denied 3 times, and the denial letters only reference the Federal SCRA law that has interest rate caps to debts incurred prior to XXXX XXXX.
Consumer complaint received 2022-10-25
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. (IN)

I applied for an car I was told they would only pull from XXXX  now I have 16 inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX