davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (IL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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. (TX)

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 2023-01-10
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. (NJ)

i have gotten a copy of my credit report. i have seen two hard inquiries on my credit report that was not authorized by me. XXXX XXXX XXXX XXXX XXXX 
i did not give any concern. they illegally violate my rights
Consumer complaint received 2023-05-04
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX  Balance : {$9100.00}.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, 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. (FL)

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2018, I called in my mortgage payment to Chase mge and received confirmation that payment was submitted. There was no further contact from Chase to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of past due balance for XX/XX/XXXX. I contacted Chase to see what problem was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well over this payment and have overdraft protection. I contacted my bank and they wrote letter that states the funds were available all month for this amount as well as stating we have overdraft protection. ( Can provide ). Chase then states that it was incorrect acct number entered. However this was not the case as well. I paid XX/XX/XXXX and XX/XX/XXXXwith same saved info as I did on XX/XX/XXXX. I have been given several different unjustifiable reasons as to why Chase did not accept payment and none of them make sense. It was plain and simple a system glitch! We never got a call or email or letter stating this was late due to their system acknowledged the payment and for some reason, denied the payment and did NOT notify me nor my wife. This has taken our XXXX   scored to below XXXX and is affecting every aspect of our finances. We can provide written statements from our bank and what Chase sent us acknowledging we made our payment. We have tried many avenues with no correction. Please help!
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern, My name is credit card account # end with On XXXX, XXXX I cash two checks from XXXX XXXX XXXX # XXXX {$6700.00} transaction date XX/XX/XXXX with 0.00 % interest Promotional rate end date XX/XX/XXXX and XX/XX/XXXX check # XXXX {$5500.00} with 1.99 % interest Promotional rate end date XX/XX/XXXX. 
I made the Minimum Payment on due date each month doing autopay. On XX/XX/XXXX I made the payment over the phone automated phone payment for {$5400.00} and the payment go thought successfully. Until after a week of so when I check online and see the payment didnt go thought, so I made another payment with the same amount of {$5400.00} on XXXX XXXX which is it is still paid on time with 0.00 % interest promotional rate end date XX/XX/XXXX. 
On XX/XX/XXXX when I call Bank of America regarding why there is twice auto payment withdrawal from my account for {$59.00}. The representative on the phone said there is a promotional offer with my account end with XXXX. So I took the offer and she help me transfer {$7000.00} to my XXXX Credit card on XX/XX/XXXX with the fee {$210.00} paid. Since I took the new offer so I also paid off the balance own from the promotion for 1.99 % interest promotional rate end date XX/XX/XXXX with amount of {$5100.00} the same date XX/XX/XXXX. After a coupon date pass by when the XXXX statement came out and there is an interest charge of interest of {$100.00} came out of no where. I be calling Bank of America to get this resolve and get no where.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UBS BANK USA (CA)

This was my mother 's XXXX XXXX XXXX account where I'm listed as the beneficiary. She passed away inXX/XX/XXXX. I  contacted UBS many times ( three times just in the last two weeks ) and every time they told me that they received the paperwork and someone in charge of the account will contact me later that day or the next day. 
The failed to call me every single time. The last contact was on XX/XX/XXXX when a representative called XXXX said they'll call me the same day but they never did. 

I submitted my mother 's death certificate weeks ago and also a UBS statement showing that I'm the beneficiary but they keep passing me around reps and making me hold on the phone for long periods each time. I'm attaching these documents to the complaint. 

Prior to my mother 's passing I submitted a power of attorney and letters from her doctors explaining she was incapacitated ( she was XXXX years old suffering from XXXX XXXX XXXX and unable to XXXX XXXX XXXX ) and I needed to access her account to pay for her assisted living expenses but UBS played the same game and never gave me access. As you can imagine this caused a lot of problems for me, I have spent hours dealing with this corrupt institution. 

There are similar complaints for UBS with CFPB, some exactly the same as mine such as # XXXX. I believe this is standard practice for UBS and they should be held accountable for deceiving their clients and try to keep our money as long as possible regardless of the hardship this may cause us.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (HI)

On XX/XX/XXXX Resurgent Capital Services sent me a letter stating that I owed them XXXX. I sent them a response letter stating that I am giving them formal notice that I am disputing the fact that I am obligated to pay them and I wanted to know how they verified the debt. 
On XX/XX/XXXX they sent me a follow up letter stating that I still owed them XXXX and the debt was verified by a printout. I again sent them a formal notice stating that I want to know how you verified the debt, who are the names of the people who verified the debt, their direct contact information on their Fair Debt validation policy. As of today they have failed to do so and I've been in court on three separate occasions including today for this matter.
Consumer complaint received 2023-05-21
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-05-20
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: SUNCOAST CREDIT UNION (FL)

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-01-10
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. (OH)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

They are saying they dont see many of the duplicate transfers that I am seeing. 

Every time I transfer money for a credit card payment, they take the same amount but label it bill pay. 

I pay my credit card on time every month and they have charged me interest and fees. 

I add money to a gift card they take the same amount but I dont have the duplicate as credit on my cards. The bank takes it. 

I dont know how this is even possible. 

Bank of America
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

We had a problem with our previous bank with payments being returned and that caused Ally to not allow ACH payments. The last time this happened was XX/XX/2022- ever since then weve been making direct bill payments from our new bank XXXX since then with ZERO now all of sudden some analyst review has locked down our account from even making direct bill payments ludicrous - weve had zero issues with this. Yes we are behind, yes weve had a financial emergency that set us back {$15000.00} which was supposed to have been noted. So now they want us to have us spend more money to make payments?!?!
Consumer complaint received 2023-05-04
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. (NV)

There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
XXXX. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WI)

XX/XX/2023 I received a letter stating that all my personal accounts, business accounts, and credit cards with US Bank stating they are cancelling all the above accounts. When I asked then why they stated they are able to close these accounts without giving a reason. I feel like this was targeted because I am a XXXX American Male and I own a ATM machines and they closed my account because they believe for whatever reason I was engaging in money laundering activity or some type of illegal activity.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i sent in a identity theft affidavid and a police report to inform Transunion, XXXX, and XXXX that i have been a victim of identity theft and several accounts showing on my reports are not mine after thirty days their response was we verified these accounts as being yours but when i asked for proof they said we dont have to give you proof i asked why not if you are saying these accounts are mine i also said anyone can send you a letter saying these accounts are mine wheres the proof show me something with my signature or a copy of my drivers license, i have XXXX bankruptcy 's showing on my credit reports whne i disputed with transunion they did remove them but XXXX, and XXXX both keep saying we verified these with the courts which i a lie i called the federal bankruptcy court they said they do not verify any information for credit reprting agencies when i informed XXXX and XXXX of this their response well its been verfied we not removing them, these are the accounts showing on my report that are not mine i have disputed tiwce and sent in identity theft information. 
XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

any assistance would be greatly appreciated thank you.
Consumer complaint received 2022-05-20
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. (VA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize and must be deleted immediately : XXXX XXXX  XXXX
Consumer complaint received 2023-05-04
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. (SC)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX XXXX : {$9300.00}, XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-02-04
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-05-21
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. (VA)

Equifax is currently reporting incorrect information on my credit report. There are 3 collection accounts that are currently showing under " closed accounts '' however they have outstanding balances. These need to be removed IMMEDIATELY as it is inaccurate and is negatively affecting my credit report. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-05-04
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. (NJ)

My complaint is with both Experian and XXXX. I had a fraudulent transaction from XXXX ( they said the purchase was for a mattress from XXXX ). I advised both XXXX and Experian that I did not make this transaction and it was a fraudulent use of my credit. I have disputed this twice so far and they are saying this is mine. I would like to know what exactly they are doing to investigate this. They said my email, phone number and debit card were all accurate yet they have not provided any details of how this occurred. They are both incapable of doing a complete investigation.