davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-01-06
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

There is a collection that appear on my credit report which I know nothing about, I don't have any knowledge about the debt. I'm challenging the validity of this record showing a debt that is recorded in XXXX XXXX under the FCRA, Fair Credit Reporting Act, Section 609. I am asking to verify this record. If the record can not be verified, I request the record to be remove from my account immediately.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a new washer and dryer from XXXX XXXX in XXXX Texas. I was issued a Visa Debit/Reward Card for {$320.00}. I was able to spend approximately half the funds before the card would not work. On XX/XX/2020 I called Bank of America credit card reward department and was told my card expired at end of XXXX and the balance on the card was lost. 
I do not feel Bank of America should get to keep the expired funds approximately $ XXXX {$200.00}. I was mailed the card, so Bank of America has my mailing address as well as my email address to notify me of pending expiration. 

I feel Bank of America should extend the period or because they have the ability to discourage the use of the card until the end of the expiration period. This is another way they can create a profit center. 

call me for questions XXXX XXXX XXXX or email XXXX XXXX
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SD)

I disputed an account with Ally Financial that was reversed in my favor but I have had no increase from this being taken off my credit score. This account is showing on my credit history as a XXXX XXXX  account and is killing my credit. I would like this to be removed completely off my score and score increased from the negative reporting it has caused on my credit. Thank you
Consumer complaint received 2023-06-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NV)

I walked in the office expecting a {$1000.00} personal loan but then was pressured into taking out a much more expensive collateral loan. It just didn't feel right. They kept insisting on taking out a more expensive loan which ended up costing me more in the end. I went from thinking I was going to get a {$1000.00} loan into being pressured into taking out a XXXX collateral loan. All of this happened in XXXX of 2020. As a result of this I fell on financial hardship and defaulted on the loan so now I'm being sued for a loan that I felt like I was forced to take out.
Consumer complaint received 2023-01-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2023-01-26
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. (NC)

My name is XXXX XXXX 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 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I refinanced my CHASE mortgage, with CHASE, in XXXX XXXX, I was told numerous times, that I would get an interest refund each year. The pre-requisite was that I have the payment paid directly from my checking account and could not be paid by check. I have been doing this ever since. In XXXX XXXX due to the serious medical condition of my wife I had to do elder care planning which resulted in asset transfers, XXXX XXXX XXXX being established. I thought the mortgage payment had to be made through the LLC account so I had the payment drawn from my XXXX XXXX account. All I did was switch from one CHASE checking account to another. In XXXX XXXX I asked what happened to the {$350.00} I was supposed to get in XXXX. In a long phone call to the CHASE mortgage department, made by the CHASE branch where I bank, they told me I had signed a form stating I had to pay from the checking account I had at that time. When I asked for a copy of that form they admitted they had no such form. They, then, claimed I was told the payment had to be by ACH. That's not true. They wanted to make sure I understood the payment had to come from the account directly and not by check, so they told me so numerous times. They never said it had to be paid by ACH-specifically, I have paid, and continue to pay my mortgage DIRECTLY from my account and not by check, CHASE is unfairly and unjustly withholding my annual rebate. I am an XXXX XXXX XXXX person dealing with more stress than is healthy without this unfair aggravation. I hope you will help me.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC. (CA)

Approximately 30 days ago i received a mailed postcard from Suntrust Bank stating my address had been changed to a " new address ''. This " new '' address was my residence approximately one year ago. I called Suntrust and spoke to their Manager XXXX who denied there was a change of address. I asked it be corrected and this was done with a new post card about a week ago. I was chagrined to receive yet another post card notifying me that my address has once again been changed back to the prior residence today. Again spoke to Customer Service and they are investigating, saying it has to do with a US Postal feed they get. However, I am very concerned either : something in my account has been compromised or there is a systemic issue at Suntrust with this issue. Either way, I have not submitted a change of address in any manner or form to them and yet they keep changing this information on their system. Am I compromised? Is there a bigger issue here. As a consumer I am concerned.
Consumer complaint received 2017-07-17
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. (GA)

I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of   XXXX   XXXX   XXXX  . I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against Experian and the creditor because it 's an error and it 's a fraudulent account.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that XXXX XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of Hayt, Hayt & Landau attempting to collect an amount they claimed was due to XXXX XXXX XXXX by me. A dispute letter was sent to both the law firm and XXXX XXXXXXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-01-26
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. (NC)

My name is XXXX XXXX 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AZ)

{$880.00} for a credit card from XXXX XXXX  XXXX has been turned over for collection to a Jefferson Capital System. According to my credit report, the account was opened on XX/XX/20. I have NO idea where this card was opened up or by who or where the charges occurred at. I don't know how to get this off of my credit as it's NOT me!
Consumer complaint received 2020-12-14
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: AMERICAN HONDA FINANCE CORP (CA)

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that American Honda Finance was the reason for my denial. The most recent dispute I have with American Honda Finance was submitted and sent via USPS certified mail to all 3 major credit bureau 's XXXX, XXXX  and XXXX  on XX/XX/XXXX see attached ( Ref. A ). 

My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX  - XX/XX/XXXX ; XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX, I would hope this would help them investigate. 

Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 

1 ) XXXX/XXXX  : is reporting REPO on XX/XX/XXXX - ( Ref. E, F ) XXXX  : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported XXXX  & XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XXXX of each month ( Ref. C ) XXXX - Debited my account on XXXX, XXXX - I was not 30 days late ( Ref. G ) XXXX - Debited my account on XXXX XXXX, XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XXXX XXXX, XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? 
XXXX - Debited my account on XXXX. XXXX, XXXX - I was not 60 days late ( Ref. I ) XXXX - Debited my account on XX/XX/XXXX XXXX XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX  XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX XXXX  XXXX {$12000.00} XXXX  XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX The inability for American Honda Finance to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of headaches and emotional stress. I can not get approved for a car loan because of this account.
Consumer complaint received 2023-06-09
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. (NV)

This is my tenth 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 XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (OH)

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus XXXX, XXXX and experian that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX