davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I contacted Regional Acceptance Corporation regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a Collector Rep from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my Regional Acceptance has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because Regional Acceptance failed to respond and update inaccurate data. 

XXXX has failed to removed the inaccurate data or get a response from the Regional Acceptance even though my credit reports proves that this information incorrect. I have tried calling the Regional Acceptance customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.
Consumer complaint received 2015-04-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: National Asset processing LLC (TX)

Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.
Consumer complaint received 2022-10-31
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. (TX)

On XX/XX/XXXX I contacted XXXX XXXX XXXX regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a XXXX XXXX from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my XXXX XXXX has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because XXXX XXXX failed to respond and update inaccurate data. 

Equifax has failed to removed the inaccurate data or get a response from the XXXX XXXX even though my credit reports proves that this information incorrect. I have tried calling the XXXX XXXX customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-10
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. (CA)

When I opened a business checking account, the XXXX banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from XXXX for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to XXXX 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my XXXX bank statement. I called. A second time because XXXX never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, XXXX, though my personal account, notified me that a credit check was done on me for the XXXX time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the XXXX credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!
Consumer complaint received 2022-10-31
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. (IL)

I'm not using any third party for this matter and I represent myself by myself. Please note, this is not a duplicate complaint, this is complaint due to new evidence. On XX/XX/2021, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2021, stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? XXXX never did a fair investigation according to the 15 USC 1681. This is the name of account as it listed on my report XXXX XXXX XXXX XXXX. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, 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 consumer 's 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. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. I have attached to this copy of letter to the court and from the court. Copy of my social security number and my ID, proof of address, so you can verify my identity.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-10-31
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. (MS)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - Account Number : 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 an 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 ) ( a ) 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 2022-10-31
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. (IL)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed. According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

Someone came to our door when I was not home I was working and they knocked the door really hard my XXXX  open the door. The gentleman came in. He was harassing my XXXX  and my XXXX  she's XXXX XXXX XXXX. She was very scared because he was using some strong words and drop off some paperwork, which is my XXXX  name is not on the paperwork. He was forcing to take the paper, and my XXXX  did not receive that paper, and he just dropped the paper at the door, and he walked away, and my XXXX  and my XXXX   was home, and the very very scared and they've been very harassed. I need to stop that as soon as possible. She's only XXXX XXXX XXXX my XXXX.
Consumer complaint received 2022-10-31
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. (NC)

I sent my letter off to Equifax on XXXX XXXX, XXXX. I told Equifax to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXXAlso is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and US Department of Edu XX/XX/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. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2022-10-31
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. (NC)

I realized that people 's bank accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.
Consumer complaint received 2022-10-31
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. (NC)

I realized that people 's bank accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.
Consumer complaint received 2022-10-31
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)

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. 

These are the following Accounts : Department of Educations/XXXX XXXX XXXX Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account 15 USC 1681 Section 602A, states I have the right to privacy.

15USC 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section states, no consumer reporting agency my make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-10-31
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. (PA)

I have submitted an identity theft report to TransUnion as well as all the necessary documentation needed for the dispute of inaccurate items on my report. They keep sending me stall letters in order to postpone DELETING these inaccurate items on my report. Ive sent them XXXX proof of address as well as my drivers license and social security card. They told me my proof of address and identity theft report was not acceptable. I called them and ask them why and they reply THEY CANT TELL ME WHY ITS NOT ACCEPTABLE. How is that even possible? Im tired of the run around. They are playing with my livelihood. Ive been trying to get these inaccurate information off my report since the XXXX in XXXX!!
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I had deposited a check into my savings account and they freeze my account and are saying they going to close it because they can not verify the number to confirm the check but it does say the check has been clear but they canning give me my funds
Consumer complaint received 2022-10-31
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. (IL)

on XX/XX/2022, I sent Transunion, XXXX and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

XX/XX/XXXX a fraudulent purchase was made using my debt card, when I became aware of the fraudulent transaction, I reported it to my bank. The bank then provided me with provisional credit for the fraud claim. Two weeks later I receive a notice that my claim had been denied. I this be very peculiar, as it has been a practice of US Bank to give me a proof of claim form to validate my claim. I call the fraud department for US Bank and ask that the matter be investigated further because I did get the opportunity to provide proof of claim. The fraud specialist told me that they would have the claim investigator contact me regarding this matter. XX/XX/XXXX I spoke with XXXX XXXX the claims investigator in US Bank 's XXXX  location regarding the claim and was told that she had determined that claim was not valid. Furthermore, that she would not be reopening the claim. XXXX XXXX went on to informally advise me that I have made quite a few claims, which I found to be unprofessional as it is my right to file claims against any services that were not rendered and products I did not personal purchase. I reminded XXXX there are law and rights that protect consumers such as Electronic Fund Transfer Act and Regulation E. The Electronic Fund Transfer Act and Regulation E states that I have XXXX liability for fraudulent purchase.
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I specifically opened an account to pay bills, light bill ( automated payments ) and a court settlement. When XXXX / XXXX misprocessed the payment and I reported the matter in person to XXXX at th Citizen 's bank branch, h failed in his duties to protect their account holder and process a fraud complaint. 
Also I understand that I may be held responsible for incorrect processing of a XXXX Payment from XX/XX/XXXX.
Consumer complaint received 2022-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My mortgage payments were stolen for the months of XXXX back in XXXX from the USPS, I mailed them out and they never reached my mortgage company. Theres an active investigation, my money is in the process of being returned. In XXXX I applied for the HAF program and was approved on XX/XX/2022. HAF has agreed to cover 6 months of payments. XXXX, XXXX, and XXXX for back payments and three months forward. I have been calling my mortgage company keeping them informed about payments. I have even emailed them copies of the approval from the HAF program. I was told today that they can still proceed with the foreclosure process. They have not placed any flags in my account about the HAF program. My mortgage company is expected to start receiving the back payments on or around XXXX XXXX. I am concerned because theres no one I can speak with to clarify and notify that those back payments are going to be made through HAF.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello I have been trying to resolve this issue with Experian for the last few months. There's an address reporting that I dont reside at or have any affiliation with. I called Experian over a month ago to remove the address which the young lady advised me they did however its still reporting. I've listed the address below and im asking for an immediate removal of the address from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX