davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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.

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 inructions 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 2023-05-02
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. (MI)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 Payments missed reported Different Account XXXX XXXXXXXX : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX JPMCB - CARD SERVICE : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - 2 payments missed reported
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report. 
16inquiries These lenders have accessed your credit file 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 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 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 2023-08-02
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: FC HoldCo LLC (NJ)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

My complaint is how my credit score is calculated. I have no debts, I pay my bills on time, and I do not have a history of negative credit behavior but because I have one old account that I refuse to pay an amount of {$210.00} on because I feel I was unfairly charged my score has dropped XXXX points from XXXX to XXXX. All because they say I owe them {$210.00}.
Consumer complaint received 2023-05-26
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. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report is showing late payments to BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICAs customer service representative.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

XX/XX/2020 woke up to my number and email address being change on chime. I tried logging in and I couldnt. Tried to get in touch with them and to let them know whats going on but because they let someone change my information I couldnt get the answers I need. The rep told me to just request to change my information back and because you have to email I didnt hear back anything till the next day. The next day I was able to get someone to help and I was able to log in all my money was gone XXXX plus. My account was hacked and the person that I dont know was taunting me because he was able to get my information and hack my account. I did everything chime told me to do even get a police report they let somebody name XXXX chime to chime money out of my account over 50 times back to back and didnt even red flag it. I disputed it after they then ask me to write down all the transactions I didnt do send in the police report and the text from the person who hacked my account. After doing all this they denied my disputed with no legitimate reason and closed my account. And didnt want to send the denial letter after telling me it was sent I just gave up because I didnt know what to do oh and also my paycheck deposited in the accounts 3 days later and the scammer took half of it and I couldnt pay my rent I was left with nothing and no help I was put out of my apartment I had gotten to far behind and that was my money for my new place.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (DC)

PNC bank is not responsive to customer service concerns. Therefore I wish to close my visa credit card. However when I made the request via their secure chat, I was locked out with a message saying " Online Banking SSO Exception Page Error - You are not authorized to access Online Banking. Please contact Support team. '' PNC has made the business decision to waste as much customer time as necessary in order to save on any points of human contact to resolve concerns. Their technology is bad. They are an inferior bank. 

I want to be done with this bad bank and the account closed for good.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

In addition to my statement above, they are continuing to ask for repayment, modifications, short sales, deeds in lieu which is an illegal step and an attempt to steal my home. They are to cease and desist. That's a legal term and they are required to adhere. 

Also I do not have an agreement of any kind with this Shellpoint. They need to show me the documents that I signed allowing them to control the mortgage on this home. Also I do not recognize the loan number, which is different than the one I signed years ago. Where do they get their authority to even issue a bill on my home?
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (OK)

In early XXXX I reported a transaction as fraudulent as I had not received the services I paid for and the vendor broke conduct. 

Midfirst initially reimbursed me pending review, but ruled that the incident was not fraudulent. I escalated to calling multiple managers, sent emails to multiple people with evidence, and they all made promises of following up with me and progressing my case by some point in XXXX. 

It is the end of XXXX and nobody has contacted me or followed up on the issue. Every time I call them it's like the first time the issue has been documented and they have made no noticeable effort towards a resolution.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

First, I was approved for this card that at the time I didnt even have a job ( Covid ) and did not have the credit or even really the means to pay, so I should of NEVER been approved. 
Then, I was charged a higher amount by the provider of service than what someone paying cash or regular card would be ( to cover their fees for using care credit- my understanding is that this goes against the contract ) I was also not allowed to choose the promotion, but was told the promotion would be no interest if paid in the period of time- my monthly payments were set and paid, but not set ( by care credit ) to pay the full amount off in the promotional period ( VERY MISLEADING )- I was then charged almost DOUBLE the initial transaction in interest.
Consumer complaint received 2022-12-09
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)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts below should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these 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 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 Please remove it from my credit report
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC (CO)

I received an email claiming I owed speedy cash XXXX. I have never used this company before but have applied to them recently and was denied. This email is threatening me and stating to send XXXX now or else they won't help me out. They even have a case number. That number is XXXX. There is no header on the email and the phrasing is off. I will save email in case it's needed
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (TX)

This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (ID)

US bank is reporting my account closed due to fraud but it was assured to me by the bank XXXX that this was not the case and it was closed without cause. This is reporting incorrectly with XXXX  and XXXX XXXX. I would like this taken off of all reports and deleted immediately.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I will make this short, brief and accurate as possible. Back in 2017, XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Both emails were dated XX/XX/2017, and XX/XX/2017. Anyway, this is a document stating that the account has been sold to one of these companies and to refer any future questions to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years after they had sold the account. They do not own the account anymore. Equifax allowed XXXX XXXX to report onto my credit report for 6 years which been a detriment to my credit report and my character. Also, this a violation of the FCRA. See attachment for more details.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I spoke with Hyundai Motor Finance about my account balance was inaccurate, I asked them for itemized transaction records for everything and they said they would send via email and never did. I also had asked them to refinance the car loan and they denied it being an option. I told them the dealer said I would be able to refinance after 6 on time payments and they didn't allow me to. 
I also told them that the dealer used malicious business practices to hide the fact that I was paying 50 % of my payments to interest. They explained the per diem clause as a temporary amount I would be charged and the number would " get lower '' when I paid down my loan. They never explained that the per diem was the interest rate charge per day. They said the per diem charge would be applied to the first few months of the loan as a " process charge '' rather than the interest rate charge. 
They also took my {$10000.00} car and gave me a {$30000.00} loan and stated that there were Federal Taxes on rhe car and that's why the loan was at {$40000.00} and the car reduced it to {$30000.00}. I found out that there is no Fed Tax on vehicles and the dealer lied on how the trade in was calculated into the loan. 

Also, I told the lender that I was doing a lot of XXXX XXXX  and that I was in need of a hybrid vehicle to save on gas. I told them that I was making around {$5000.00} gross income a month but also that I was spending about {$1200.00} a month of expenses running my business. If they would have provided me a hybrid vehicle the gas savings alone would have paid for the car itself. Also I can sense that they lied on the loan application because my income to expense ratio does not fit a {$40000.00} loan non-hybrid vehicle. 
A calculation of {$5000.00} gross minus {$1200.00} gas expense, {$1500.00} rent expenses, 30 % tax estimate of {$1500.00} would have made me ineligible to afford the car. They violated rules to approve me knowing that I would not be able to afford the vehicle
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (HI)

On XXXX payed XXXX on a balance of XXXX they double charged bank account to a total payment of XXXX tried to dispute they emailed me saying I made the duplicate payment of exactly XXXX when they dont even have a payment feature that over pay on the credi card
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (GA)

I purchased this netspend card at XXXX in XXXX. I added {$20.00} to the card upon purchase. I called to try and activate to use and they have not activated the card. I have given them all necessary information and they still are saying I couldnt be verified! I asked for my money back and they still have refused. This should be against the law to keep my money that I added to this card. I have called three or four times and after speaking to different departments I am transferred right back to the automated system.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc. (TX)

Proof of amount owed and check numbers. I do not use checks, and they are saying I used checks to pay for food at XXXX XXXX XXXX XXXX. I went to XXXX with the letters and they said they don't even accept checks, and it looked fake. 

The company trying to collect this fake debt is Financial Accounts Service Team at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX They called ALL the time a year ago, I went to XXXXXXXX XXXX  and they verified that the check numbers are not valid. XXXX once again said they don't even accept checks. FAST stopped contacting me until again today. This company is not accredited and is completely fraudulent.