davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
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. (PA)

My name is 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.
Consumer complaint received 2023-06-16
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. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  XXXX XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

Closed a chase business preferred ink credit card in XXXX of 2023 due to terrible customer service and back talk from XXXX of the csrs who denied my legitimate insurance claim for an item that was stolen after purchase. Purchase protection was supposed to be XXXX of the perks of this XXXX XXXX card. 

I have several other chase accounts and was able to still see the account in my Chase portal up until last month.

Today, I needed a statement from the closed account and logged in and the account was not there. 

Called XXXX number for Chase, talked with XXXX different people, XXXX of whom swore the account never existed. Had to give my social security number to people in XXXX and the XXXX ( and now I have to put a flag on my credit report because of this ) who still couldn't find it. 

All of this took more than an XXXX. 

I'd like Chase to be fined for removing an account from my portal and then pretending the account never existed. I'd also like to be compensated for the XXXX I lost. My hourly billed rate is at {$150.00} ( can provide invoices as proof ). 

I still have the actual ( though canceled ) credit card in my possession to 'prove ' the account 's existence.

This situation is unacceptable.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine some one stole my identity. XXXX XXXX  XXXX account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-12-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

Hi, I was illegally sued by Wells Fargo Bank in XXXX XXXX, Florida and forced to file for bankruptcy in 2012. The cases were dismissed twice by the court but a corrupt lawyer hired by this bank illegally appealed the dismissals. I filed a complaint with this office and my case was never solved. The case number with this office is XXXX. As a result I had to discharge in bankruptcy more than $ XXXX illegally charged to me and living with bad credit for ten year. I havent been able to buy another house or get a decent job. Please Help with the abuse committed by this bank.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

I cancelled my " free '' subscription with XXXX in XX/XX/XXXX as I noticed XXXX started charging me {$39.00} a month. My subscription was suppose to be free unless I hooked up with someone online. I never connected with anyone -- they were either out of state or incompatible. I cancelled by email and I thought the cancellation went thru OK -- I didn't get any further charges for two months and could no longer log in. Then on XX/XX/XXXX I got a charge on my credit card of {$190.00} from XXXX. It seems they now fraudulently claimed I signed up for a {$790.00} premium dating service ( payable in four payments of {$190.00} ). This was not true and a complete fraud by XXXX. I called Discover to report the fraudulent charge and they initially removed it from my account. The folks at Discover were very rude and gave me a hard time cancelling the charge. Basically I had enough of this rudeness so I called back and told them to just cancel the card. I paid off my balance and thought that was the end of it. Then on XXXX XXXX I got a statement form Discover that they decided to reverse their decision and recharged me the {$190.00}. But to make matter worse they cashed out my XXXX rewards miles ( {$940.00} ) and sucked the fraudulent {$190.00} from my money. Discover did this violating several statutes of the Federal 1974 Fair Credit Billing Act with absolutely no notification to me. XXXX is crocked company with over XXXX complaints and multiple lawsuits and fines for defrauding customers. But Discover also broke the law.
Consumer complaint received 2022-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: West Coast Mortgage Associates (CA)

Hi, Myself and XXXX other siblings, Inherited two properties from our Fathers Trust in XXXX I, eventually bought out my XXXX siblings, to become the sole unmarried owner. I then hired West coast mortgage associatesXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX to complete the first XXXX. the balance owed was XXXX from my fathers existing XXXX XXXX.We Did the appraisal and XXXX Funded the loan... with her AKA ; XXXX Personal Mortgage company. this the first of many XXXX. in to play approx. XXXX XXXX to pay off balance and XXXX siblings. 
I started dating a gal I met on an online dating site in XXXX I then bought out the siblings on another home shortly after the new girl friend. I then completely remodeled the second property for us to enjoy in the mountains. and eventually turned it into a rental. after many costly XXXX. to once again draw money out to usually pay down maxed credit cards XXXX. 
this last XXXX of XXXX I accidentally found a complete set of Loan docs and Escrow about to lock in a few days! for XXXX XXXX on my one Primary house! so I called XXXX and asked XXXX is going on? She cancelled that loan, and said her and my now wife of only 2 years, and unhappy with the XXXX at this point. forgot to cc me on the emails like I had always done Religiously .... WELL 2 weeks later XXXX arranged for my wife to do a CASH OUT XXXX on both properties for about XXXX ; wife drove away XX/XX/XXXX and is still half owner & Served me Divorce Papers 4 weeks later & wants both houses RV Toys everything!!!! I can not even call XXXX XXXX XXXX XXXX company, because XXXX only on Title and half Owner. Come to find out my girl and XXXX were altering the XXXX properties about every 19 months while hiding all mail from myself, and keeping loan amounts within a {$100.00} of original Loan to hide the secondary principal Etc... so I think about 10 XXXX  in 12 years has been done!!! Shame on these People .....
Consumer complaint received 2022-12-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2022-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

For the past few months, I have tried to submit a dispute online on Equifax 's website, but to no avail. Whenever I try to start a dispute, the message states " temporarily unable to process your request ". Even after calling Equifax several times and speaking to different representatives, they all say the same thing each time : there is a system update. 
Please look into this.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting wrong address on my report in which i never have lived at. They refuse to remove them. XXXX has already removed from my report. 

Address never lived at. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-02-03
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. (AZ)

Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why credit score dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows 20 accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.
Consumer complaint received 2023-06-16
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. (GA)

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. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a victim of XXXX XXXX of XXXX XXXX and would like for these listed accounts to be BLOCKED AND DELETED. 

TransUnion LLC Last XXXX of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2022-12-07
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$84000.00}
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I contacted fed loan servicing the summer of XXXX requesting a refund of all payments paid during the pandemic. I was told to wait 30 days and I should have the refund. I contacted them again around XX/XX/XXXX and was told that the loan was transferred to XXXX. I was told that they sent the request to refund payments paid since XX/XX/XXXX when my loan was transferred. I requested a payment history. Fedloan said that they do not have it because they transferred everything, including my history. 
I contacted XXXX regarding the refund request and payment history. They told me they could not refund payments were paid prior to the transfer and they do not have the payment history. 
On or around XX/XX/XXXX, I again contacted XXXX. I was told that they did not have a refund request in their system and it would take 90 days. They sent a payment history, 4 of the 7 original loans. 
It is now XX/XX/XXXX and I continue to have unresolved problems with my servicers. I have yet to receive the refund of over $ XXXX owed to me, they have not sent a payment history for all 7 of the loans. Fed loan servicing is no longer in business & I have not received the student loan interest tax document for XXXX. Any help resolving these issues is greatly appreciated.
Consumer complaint received 2022-11-21
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-16
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)

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. 

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 2022-12-07
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. (GA)

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

15 UCS 1681 Section 602 States I have the right to privacy.

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

15 UCS 1666B As a creditor you may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (FL)

I filed arbitration with XXXX XXXX XXXX against Santander Consumer USA on XX/XX/2023 due to securities fraud and violation of consumer laws. I mailed correspondence in writing as instructed by the XXXX XXXX XXXX on XX/XX/2023 and Santander still repossessed the security today. I gave them my case number as well as tracking number for the mailed correspondence and there was still adverse action taken, which is another violation of 12 CFR 1026.13 ( d ) ( 1 ) and the Fair Credit Billing Act
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I let the rep know in the screen shoys in emails attached that XXXX is NOT repoerting to my XXXX or XXXX account. On our phone call also previous conservations with XXXX they report to all 3 beaurus. In emails she said only 2 beaurus. Its currently reporting only to Experian. I'm asking XXXX to do their dye diligence that this is reporting to XXXX and Experian
Consumer complaint received 2024-03-29
Product: Credit reporting 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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-21
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and Equifax 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX and Equifax feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.