davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.
Consumer complaint received 2023-05-15
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. (FL)

As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXhe Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXXXXX The Following Account Is Not Mine XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (NY)

CORRECT INCORRECT INFORMATION ON ACOUNT XXXX XXXX XXXX # XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, XXXX DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023, our XXXX hosted a XXXX XXXX which lasted till XXXX after cleanup and money count. We went to the Chase ATM close to the school to deposit our cash so we wouldn't have it over the weekend, but when I submitted the stack, the ATM had an error. I removed the stack and tried breaking it into XXXX. The 1st stack seemed about accurate, the 2nd stack seemed short, and after the last stack in I knew we were short by {$410.00}. I attempted to cancel the transaction thinking it would refund my entire stack of bills, but it did not. Someone pulled up behind me to use the ATM so I pulled over to the side and called the XXXX XXXX to see what to do. She said they would give us the missing money after I file a claim, so I deposited what I had left ( {$1300.00} ) and filed a claim the following day. My husband ( also a XXXX XXXX ) was in the car with me to verify all this. Chase gave the money back right away at XXXX, but a month later took it back, saying they weren't off in the ATM. I am missing XXXX $ XXXX, XXXX $ XXXX, and XXXX $ XXXX according to our cash count sheet which was verified by 2 people prior to deposit. The ATM also had a note on it the following month stating they had deposit issues and not to deposit any cash, so I know it's not just me having deposit issues. They still refuse to give us our money back. Claim # XXXX was our original claim & they kept closing it after XXXX conversation with us after their initial reversal. No one else will help us.
Consumer complaint received 2023-01-25
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. (FL)

I already submitted a complain with the Equifax regarding the account XXXX and the complain was already closed in my favor and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. 

Complain # XXXX Submitted to the CFPB on XX/XX/2022
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I have many fees charged on my account. I paid because the bank is not responsible. It was free of charge but I had to pay a lot of fees of {$35.00} USD to be able to use my account. I've complained many times and to no avail.
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: EQUIFAX, INC. (NJ)

I have completed several disputes to Equifax, XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (OH)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This company is reporting inaccurate information on my consumer report. This is the second attempt for this company to validate, verify this debt. Capital One has never validated this debt. Capital has not presented any documentation of a contract bearing my signature. Please Delete this unverified account on my account.
Consumer complaint received 2023-03-01
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. (CA)

This complaint serves as a follow-up complaint to my previous complaint dated XXXX XXXX XXXX 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 must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-19
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. (AL)

There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I applied for a cc with discover 2 weeks ago and got approved instantly. Upon getting the card the first issue is they mailed out a card that they later deleted off of my account. The next issue is they mailed out a second card they cant be activated now it will take 2 weeks for verification process. This company is a hassle, unprofessional, inconsiderate, and lack of communication with the customers. Upon this I closed out my account with this company because their lack of professionalism and care for consumers are beyond low.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I was told that my car was damaged and needed to get a new car out and that the account was closed and have a XXXX balance. But its showing on my credit report I missed XXXX payments that was supposed to be handled when the account closed
Consumer complaint received 2020-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

My homeowners insurance expired on XX/XX/2020. I received a notice from XXXX that my mortgagee failed to pay renewal premium in which I pay for monthly in my mortgage payment. The notice states that if I dont pay the past due balance I will lose coverage.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX documents were sent XX/XX/2022, XX/XX/2022 and XX/XX/2022. I never received a response. I advised on XX/XX/2022 via US Certified Mail that the case was dismissed against the apartment complex and by law the debt was to be deleted. I never received a response. I also never received a response regarding the previous debt validation letters I sent and notice of intent to sue National Credit Systems for continuing to collect on a debt in which they could not provide proof of.
Consumer complaint received 2023-07-01
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. (OH)

In accordance with the Fair Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 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 funish a account without my written instructions 15U.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 2023-03-01
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, XXXX trans union and XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work
Consumer complaint received 2023-04-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Reference NY # XXXX has violated my rights.

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 According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020, I mailed out dispute letters to XXXX, Transunion, & XXXX  concerning inaccurate information on my credit report and I have not received a response at all.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

When I accessed the Capital One credit card site on the internet to pay my monthly bill as I have always done, there are a number of questions trying to get me to update my income. It will not allow me to bypass it to pay my bill. I called and complained, and they agreed to take it down. Today, I tried to access my account again to pay, and the same questions came up, and not allowing me to bypass it. I do n't want to update my status. I am in the process of paying this credit card off, and have a balance of {$1600.00} on a limit of {$3300.00}. This amounts to harassment as I only want to quickly pay by internet as opposed to paying by phone which is a longer process. When I call by phone, there is always a long wait time. It is as if they are deliberately causing me to waste my time because they know that I am paying them off. I 'm wondering if they are trying to get me to pay by mail, which would then make my payment late and entitle them to their ridiculous late payment fee of {$35.00}. I have  a credit score  of  XXXX , superb, and have been a customer of theirs for years. This is uncalled for harassment and I want it to stop.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit companies have for years refused to correct my personal information. Transunion has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after XXXX days. 

I see that Charges offs are being added to my reports after paying the original companies, All XXXX Agencies see ( after I have called them ) this and have done nothing to remove this, again all XXXX. 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and Hard inquiries should not be anywhere on my XXXX or more reports.
Consumer complaint received 2023-01-27
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. (GA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC (GA)

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and XXXX  XXXX, along with a full record of accounting and a proof of claim. XXXX XXXX, as the holder in due course, XXXX XXXX XXXX seeks specific documentary evidence, namely, the true and certified copy ( not a photocopy ) original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement and Application, in both physical paper and electronic formats. This request is made in order to evaluate XXXX XXXX. 's compliance with UCC 3-302 HOLDER IN DUE COURSE and Generally Accepted Accounting Principles ( GAAP ). 

Please refer to the provided Proof of Claim documentation, which includes : 1. Verification of XXXX XXXX. 's holder in due course status is sought. XXXX XXXX XXXX formally requests documentary evidence demonstrating XXXX XXXX. 's initial acceptance of XXXX XXXX XXXX signed instruments in good faith and in exchange for value, as required by UCC 3-302. XXXX XXXX XXXX understands the necessity of consideration in a valid contract and requests access to complete public and private accounting records, including all actual accounting and double-entry transactions representing the flow of funds from XXXX XXXX XXXX account ( s ) to XXXX XXXX XXXX account ( s ), supported by a sworn affidavit. 

2. A true and certified copy ( not a photocopy ) of the original instruments, specifically the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Agreement ( s ) and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Application ( s ) for account ending in ( XXXX ), is requested. This should be provided under penalty of perjury and with unlimited liability. Additionally, confirmation is requested regarding whether this Note has been sold. 

3. Presentment : XXXX XXXX XXXX formally demands the exhibit of the instruments for account ending in ( XXXX ) in accordance with the Uniform Commercial Code 3-501. 

4. If the instrument has been sold, all related actual accounting and physical paper/electronic market trade transactions are requested in accordance with the Uniform Electronic Transactions Act and GAAP. 

5. Confirmation of the name of the duly authorized representative from XXXX XXXX. is sought. Additionally, clarification is requested regarding any actions taken, both public and private, concerning this account in accordance with the Money Laundering Control Act of 1986. 

6. If there is an escrow account associated with a XXXX XXXX XXXX XXXX XXXX XXXX account ending in ( XXXX ), XXXX XXXX XXXX hereby formally requests access to the complete public and private accounting records. This includes all actual accounting and double-entry transactions representing the flow of funds and current account balances ( CAB ). 

7. XXXX XXXX XXXX requests all IRS tax form filings related to accounts ending in ( XXXX ), including but not limited to forms 1099-C and 1099-OID.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX internet connection stopped working. While I was stationed in XXXX XXXX contacted them and said Im returning the devices being utilized and dropped off the router. Flew back into XXXX  and went in person to tell them I no longer wanted services and they agreed. After a month they tried to charge my bank account for two months worth of services after I had already cancelled them for not having proper service at my address. I disputed this debt collection as it was incorrect and an error on their part. I got it removed from my credit history XXXX XXXX. Im still XXXX XXXX and they sent this to collections after already disputing this making it illegal to sell my personal information.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2023-01-27
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. (NY)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX