davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$93.00}, XXXX Date XXXX Opened : XX/XX/XXXX Balance Owed : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date 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 XXXX XXXX
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Consistently, I've maintained timely payments on this account, ensuring they never fall into arrears. I'm unclear why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections ought to be made.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-28
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. (MD)

My name 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 2017-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I opened the account in   XXXX   XXXX    2015 with the promise of a promotional deal to deposit {$20.00} and receive {$20.00} . I confirmed that the account had {$40.00} soon after. I did not use the account as there were fees to check balances, withdraw cash and other assorted fees. I let the account sit for a long time unused. I received a new debit card in the mail recently and thought it was an updated card. I activated the card and noticed a   XXXX  balance. I called the company on   XXXX   to dispute the balance. They informed me that this wa s not the same account. I asked about the old account and they informed me that it was also at a   XXXX  balance. When I inquired as to why, they informed me that because the account had sat unused  for more than 90 days, there was a {$5.00} account maintenance fee that was charged every month. When I asked why I was not contacted prior to this starting, they informed me that it was " on the box for the card ''. I have no idea what that means. I assume they are implying that it was on the terms of service agreement. In any case, I asked to speak to a supervisor and was told the same thing. I was not contacted once about this monthly maintenance fee nor about the requirement that the account must be used every 90 days.
Consumer complaint received 2022-11-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

A while back, I was thinking about switching from  XXXX   XXXX  to   XXXX   XXXX  . I ordered the   XXXX   XXXX   package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and  XXXX  would not send a technician out to set it up ).  XXXX  even represented that I had every option to cancel within  3  days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then,  XXXX  has hired  1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of  XXXX     2017, this is  th e 3rd  debt collection agency attempting to assist  XXXX  in trying to rip me off.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ME)

It's been over 30 days. And the creditor. Did Not update the information nor has provided proof of documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law, they had 30 days to Complete the investigation. And by failing to do so, the item must be deleted from the report as soon as possible.
Consumer complaint received 2023-06-30
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-19
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: Cottonwood Financial Ltd. (TX)

On my credit there are false information name, birthdate, addresses, credit pull. And false credit on my credit. Please remove these items. 
I did not authorize my credit to be pulled or and companies for collection under my name.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

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

15 U.S.C 1681 Section 604 A Secti9on 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-22
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

I wired funds from my bank account according to instructions given to me by ( which were provided by JP Morgan Chase to ) the payee. It turned out that the payee had two accounts at JP Morgan Chase, XXXX with their investment division and the other with the regular bank. They gave me the Routing number for the investment division, but the account number was for their savings account. It took several days to learn what happened to the wire ( Chase simply held it in limbo, not rejecting it, nor letting anyone know they were having issues determining where it should be ). It took the payee 's personal banker at Chase to finally find out what happened ( and finally admit it was Chase 's fault, not mine ). However, it turned out that Chase could not internally send the money over to their savings account ( when are you going to finally break up these too big to manage banks??? ) and instructed me to have my bank ( XXXX XXXX XXXX ) recall the wire and send it over to the correct account with the correct ABA, which we did. Chase is now charging me ( my bank ) a {$30.00} amendment fee! While I understand that Chase is too big to do anything to, and basically runs roughshod over the rest of the world, I am aghast that they can and do charge non-customers for helping them to clean up their own mess! Please do something about this ( like put some high level executives in jail, or something to stop them from charging non-customers for their inability to know what is going on within different divisions within their own company!
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc. (TN)

I received a call from this debt collection agency saying they were filing a lawsuit against me and suing me. They left this information in a voicemail. When I call them, I told them this wasnt my debt. It was some sort of online loan that didnt actually have someone speak personally with me. The original creditor is XXXX XXXX, and this is not on my credit report either. They begin asking me if I know a person, and I tell them no. They then threaten to call said person and patch the call in on mine. I totally ignored that. They then tell me that my number is registered to a person with that name. Im not sure where they get their information, but this phone is in MY name. They also started talking about a company that I havent worked for since XXXX, saying that this XXXX place confirmed employment for me there in XXXX. No, they didnt. They gave weird email addresses. One was from XXXX, and I dont have a yahoo email account. The person on the phone argued with me telling me that I did. Im pretty sure that I know what my email address is, and it isnt a XXXX account. The threats were illegal, and carrying on with people I dont know or email addresses that I dont use - Im not sure what the purpose was. I do know that they do not need to contact so and so or anyone else about a loan theyre saying I owe that I dont. Also, when I called back- the gentleman on the phone admitted that the original caller was a pretexter- to make sure that was my number and truly me. Hmmm?!?!? They supposedly knew so much about me but actually didnt. So odd!
Consumer complaint received 2022-11-28
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. (CA)

This is my 3rd 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 alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have fraudulent hard inquiries on my credit report List of inquiries 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nations Info Corp (MI)

XX/XX/23 I was advertised a promotion. I was directed to yourscoreandmore.com, then entered my personal info ( SSN, debit card, DOB, name, address, etc ) to become eligible for said promotion. 
XX/XX/23 I called the company to cancel the subscription, so I wouldn't lapse the one week trial, with a {$1.00} dollar processing fee. 
XX/XX/23 {$1.00} taken from account. 
XX/XX/23 {$1.00} taken from account. 
XX/XX/23 {$19.00} taken from account. 
XX/XX/23 I called to cancel again, and was unable to cancel or confirm my account status. 

I read into yourscoreandmore.com, and realized many others have experienced similar random unauthorized withdrawals of cash from bank accounts. 

I am worried that they have my SSN, and will sell my info, or use it with malicious intent.
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (PA)

hello, My name is XXXX XXXX I have a auto loan with TD Auto Finance for my XXXX jeep. It was repossessed XXXX of XXXX. I got it back 2 weeks later .I paid all fees .I am making every payment on time since. The bank put the title in their name when this happened and never put it back in mine in Pennsylvania. With that being said i can not get my jeep inspected or registered because the title is still in the banks name. I have called on a regular basis. I get the same run around .They tell me I'll get it the mail next week and it never comes. I need help .I need my jeep for work and everyday life. my account # with the back is XXXX.thank you kindly, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (DC)

on XX/XX/XXXX got a loan for XXXX from Makwa Finance they have been taking XXXX out of my account for 13 weeks on the 14th week I paid them {$500.00}, it seemed to me that it was difficult to pay it off in time. On the XXXX of XXXX I owed Makwa Finance {$1700.00}, so I took a loan out from XXXX XXXX for {$2000.00} to pay off a loan at Makwa Finance. XXXX XXXX sent the check out on XXXX of XXXX made it to Makwa Finance on XXXX XXXX, I called to make sure they had got the check they told me that they had received the check that they were not going to process the check for up to 2-3 weeks. And they stated that they were going to still charge my card for {$190.00} until they processed my check. I went to my bank and put a stop payment on my funds and called XXXX XXXX  to put a stop payment on my check. I had to call XXXX XXXX  to get authorization for a cash advance for {$2200.00}, at the same time asked the representative to stay on the phone with me while I paid off the remaining balance On XXXX XXXX XXXX, I paid Makwa Finance {$1800.00} they sent me an email that my account was paid in full. but on XXXX  the XXXX they sent me an email stating that I owe them more than what I had paid. And they threatened to keep charging me interest and also reporting it to my creditors.
Consumer complaint received 2017-05-04
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: REGIONS FINANCIAL CORPORATION (GA)

My car loan was due on  XXXX   XXXX  with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer  Service Dept , (  XXXX   )   XXXX  about " courtesy calls '' made during the grace period during work hours of  XXXX  to  XXXX . I typically am back in town and make the payment before the end of the grace period.     Today  XXXX / XXXX /  XXXX  , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one  from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the  Regions Branch  office and paid {$320.00} on my loan which is typically {$310.00} and some change.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Received bill in XXXX, XXXX card, Comenity Bank. Paid balance in full ( {$74.00} ) on XX/XX/23 in advance of due date XX/XX/23. Paid by electronic transfer from my bank. Comenity claims they did not receive my payment. I disputed this. Received " secure message from them stating that " I am with Comenity Capital Bank, which handles your credit card account. I'm here to help with your account needs. I apologize for any inconvenience you may have experienced. I did a review of your account and I see that the dispute has been filed on XX/XX/2023. Our dispute team is working dedicatedly in regards to your concern. Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies '' Nevertheless this " delinquency '' was reported to credit agencies ( XXXX ) and as a result my credit rating has dropped from XXXX on XX/XX/23 to XXXX on XX/XX/23. Comenity says they will investigate and if I am right, they will correct my credit score. XXXX they said they wouldn't report it ; XXXX. 90 days at his much lower rate is literally hurting me. All because they can't find the money I sent to them on time.
Consumer complaint received 2017-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

My wife received a job offer from a person who found her on  XXXX . He said his name was   XXXX   XXXX  . He wanted my wife to babysit his daughter. He sent what turned out to be a fictitious check to my wife in the amount of {$2500.00}.   XXXX   asked my wife to take out {$220.00} for her to keep as part of her first paycheck. Then he requested that she help with groceries. He also wanted her to send {$2200.00} to his prospective landlord. My wife and I sensed that this was a scam. I told her to deposit the check which she did on   XXXX   in the morning. In the afternoon, I called the bank to find out when the check would clear. They told me it would be the next morning. The next morning the balance in our checking account reflected that the check had indeed cleared. My wife went to the bank on  XXXX . She asked the teller to confirm that the funds were available since we were still suspicious that this was a scam. The teller told her that the check had cleared. She relied on the teller 's word and sent the transfer to the supposed landlord. A few days later we discovered that the check was fictitious and we ended up losing {$2200.00}.   I called the bank  ( Chase )  and asked how this could happen. They had told me that the check had cleared and the teller also told my wife the same. Chase bank has shown no responsibility for their actions and they understand more than me how these type of scams work. That is my complaint.