davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (VA)

This is my 4th 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 XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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
Consumer complaint received 2022-11-15
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One closed my accout on XXXX and wrote off {$1800.00}. It went to XXXX XXXX XXXX and XXXX XXXX I paid this account. They again reached out to all three credit companys on XXXX and XX/XX/XXXX to notify this has been paid. I deputed it with XXXX and even mailed in the letter and information it is still showing on my credit report as owing {$1800.00} I would like to get this removed I already paid it???? 
Can you please look into this. Thank you,
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (CA)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

I changed banks back in late XXXX, and stopped using this account, several merchants have refused to not try and take funds from this account, this has happened probably at least a 10 times or more, I don't know what happened but finally after about 50 different calls, I think. I have them all straightened out. 


This caused an excessive fee problem, which is not my fault because I updated my info with EVERYBODY else too and they managed to get it right
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Spring Oaks Capital, LLC (GA)

Spring oaks capital has continuously threatened me and posed as attorneys to threaten me. They are bullying me, a XXXXXXXX XXXX  and I have started to receive letters from debt layers. The threats and harassment has caused me to have several XXXX XXXX which is one of my XXXX. I was deemed XXXX XX/XX/2020 and was paying an extra fee on the account each month before I became XXXX. This account was supposed to be XXXX out. I submitted all the necessary paperwork to the company and they did not do their due diligence to XXXX out the account like they agreed upon. They breached the contract and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then I would have been able to file a lawsuit with my local legal aid. This company needs to remove this account from my credit and cease all communication with me.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been currently disputing a double charge on my bank Truist for over three months for a charge in XXXX for {$100.00}. 
The first time I dispute the transaction via web. I was given provisional credit after I received an email stating that I needed to dispute the transaction with the merchant, I followed through. I dispute with the merchant three times, no resolution. Furthermore, I also contact my bank in the matter that merchant said no record of transaction was found and can not be disputed through them. Likewise, I have proof that I emailed the merchant and a voice mail that was left. I open a claim with Truist which I received no email was informed to wait. After all this time I called again early XXXX according to the agent I had to opened another claim because the previous representative filled the information incorrectly I was instructed to wait again. No email was sent to me, I was only given a claim number. 
I called end XXXX the agents toggle my call to different departments and was only informed that I must continue to wait the call had drop. I called once again, the last agent that helped me over the phone reviewed my case and informed me both claims I opened previously were filled in incorrectly thus not being processed. 
The representative said she corrected the information and email a supervisor in regards, informed me to wait til XX/XX/2023 to call. 

I went to a Truist walk-in branch, a gentleman assisted me in regards and understood my situation. I am entitled to the money that belong to be. He was having technical difficulties with system, he transferred me over to his colleague, she assisted me to open another claim even though I had one open. 
She XXXX XXXX informed me that I must wait for a letter in the mail and the claim may not be approved due to it being past 60 days. As well as saying that the claim takes 60 days to process as well. 

Which upset me greatly because I have been more than patient with this bank to process my refund to my account which is funds that rightfully belong to me that have not been accessible this whole time. 
This was a situation that should have been solved by the second claim I made. 
I trusted the representative over the phone to do their job correctly and because they did not, I am paying the consequences of their actions. 
Her response made no sense because it also took time to dispute the transaction with merchant, and it also took time to receive answer from them. 
I only comply with what I was told at the time.
Consumer complaint received 2022-12-30
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (PA)

Spoke with the Kia Motor Finance ( KMF ) Company in XXXX of XXXX as the cosigner of auto lease and told them I would be taking over nonpayment of the lease as the primary party of lease whereabouts were unknown and to prevent default. Was not successful in making me primary on the lease as not KMF policy. Paid on lease until close in XX/XX/XXXX. Told by KMF that any fees would be addressed by dealer at time of vehicle return. XXXX, PA Kia stated no further charges and gave account closed paperwork and clean vehicle report. ( Attached ). KMF closed my account on or about XX/XX/XXXX with a XXXX balance. In XX/XX/XXXX my credit score dropped almost 100 points due to an unpaid balance owed to KMF of which I was unaware. I contacted KMF and they said they tried to contact the primary signatory party several times unsuccessfully. I told KMF they never contacted me. They stated by law they are not allowed to. I stated we had a contract, how could that be so, and if so, how could this end up on my credit report? KMF stated they are not legally allowed to leave a voice message, send an email, and they do not send certified letters. All letters sent to my address were sent in primary signatory party name to which the USPS will not deliver due to that person not living at the address and perhaps a change of address filed by primary party. I related to KIA that they had no problem contacting my by mail, phone or email for any other issue and that XXXX, PA KIA stated the lease was fulfilled. KIA would not remove the negative credit collection yet still wanted money for a charge I was unaware of. I have also sent dispute to KMF complaints.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (ME)

In XX/XX/2019 I refinanced my house and my bank paid my Discover Card balance in full as per the telephone conversation the loan officer had with the Discover Card agent. 

I continued to get emails for a balance due. I contacted Discover Card and the problem was taken care of. They had not taken the interest on the loan into consideration when they gave the balance due. The Discover agent negated the interest and verified for me that my account was closed and I wouldn't be receiving any more bills. 

I continued to receive emails and additional amounts of money. I was able to have an agent put a stop to the bills when she checked my account and told me I wouldn't be getting any more emails. 

I continue to get emails for promotions and a balance due. I am not able to label the emails spam. The address doesn't fall into a category that will accept it. 

I want these emails to stop. They are harassment.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (TX)

Experian will not give me a credit score. I clearly have a lengthy credit history. I have addressed this with them and have not received a response. Because of them not scoring me I have been denied credit. I was even denied credit to try to buy the home I was living in and because of no score I was not able to even get help for people with poor credit. It has rendered me and my daughter homeless. It continues to be an issue most times I apply for credit because I get denied for lack of score. Which has made it still difficult to find housing. I am still homeless and creditless.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Cherrington Firm PLLC (UT)

Today I received a phone call from a place called Cherrington Firm based in XXXX, Utah. The woman ( XXXX XXXX on the phone claimed that my mother owes a debt and that written notice was sent and they didn't receive a reply. 

1. My mother is XXXX XXXX XXXX and suffers from XXXX XXXX demntia. She is under conservatorship and guardianship of my father, XXXX XXXX. She can not legally handle her own affairs. 

2. I receive the family 's mail. We have never received any notification of debt at all. Of course when I asked XXXX about the debt she refused to answer any of my questions. 

3. Cherrington is cruel, trying to harass a XXXX XXXX XXXX woman with XXXX XXXX 4. My phone number is not my mother 's.
Consumer complaint received 2021-01-01
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (MA)

Since XXXX of XXXX  the amount of {$4200.00} to present has appeared on our credit report from Comenity Capital Bank. The last reporting date was XX/XX/2022. I've reached out to the bank twice only to be on hold for over an hour both times resulting no response. The amount is still on our credit report. I spoke with XXXX and filed a dispute in XXXX and have not heard back from them.
Consumer complaint received 2022-12-29
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. (TX)

To whom it may concern, I'm sending the letter to get inaccurate information deleted that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX and the credit bureaus to remove the 90 day past due after the account was closed on XX/XX/2017.
Consumer complaint received 2022-12-29
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. (TX)

To whom it may concern, I'm sending the letter to get inaccurate information deleted that's reporting to XXXX and Transunion. I've tried to have XXXX XXXX  and the credit bureaus to remove the 90 day past due after the account was closed on XX/XX/2017.
Consumer complaint received 2022-12-29
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. (MA)

WITH REGARD TO ANY DISCLOSURES OF ANY ALLEGED DEBT OBLIGATION BETWEEN ANY FINANCIAL INSTITUTION, CLEAR AND CONSPICUOUS DISCLOSURE AT THE TIME OF ESTABLISHING CUSTOMER RELATIONSHIP MUST BE PROVIDED. I HAVE NOT ESTABLISHED/CONSENTED TO OR WAS PROVIDED CONSENT OF SUCH DISCLOSURE NOR WAS PROVIDED ANY NOTICE THAT COMPLIES WITH SECTION 6803 OF TITLE 15 WHICH OPTS OUT ANY DISCLOSURE OF ANY NONPUBLIC PERSONAL INFORMATION AS DEFINED BY 15 USC 6809 ( 4 ) TO ANY NONAFFILIATED THIRD PARTY.

FCRAs HAVE AN OBLIGATION WITH RESPECT TO THE DISCLOSURE OF PERSONAL INFORMATION. PER The Gramm-Leach-Bliley Act I HAVE THE RIGHT TO THE NONDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. THIS AGENCY IS ACTING AS A NONAFFILIATED THIRD PARTY ON BEHALF OF FINANCIAL INSTITUTIONS AND HAS ACQUIRED NONPUBLIC PERSONAL INFORMATION WHICH I HAVE IDENTIFIED AS FRAUD AND THE FCRA VERIFIED THE INFORMATION AS ACCURATE. SUCH ACTIONS ARE UNLAWFUL. I HAVE NOT AND DO NOT CONSENT VERBALLY OR WRITTEN TO SUCH FURNISHING OF INFORMATION TO MY CONSUMER CREDIT REPORT. I WISH TO OPT OUT OF ANY NEGATIVE, FRAUDULENT AND DEROGATORY INFORMATION FURNISHED ON MY CONSUMER CREDIT REPORT AND DEMAND THE CRA DO AS REQUESTED TO ENSURE MY REPORT IS FAIR, ACCURATE IN MY EQUITABLE INTEREST AND WITH REGARD TO MY CONFIDENTIALITY. I DEMAND TO OPERATE/EXERCISE THE NONDISCLOSURE OPTION OF THIS ACCOUNT WITH RESPECT TO MY RIGHTS. 

ANY TRANSACTION/AGREEMENT DONE IN PRIVATE BETWEEN ANY FINANCIAL INSTITUTION PERTAINING TO ANY DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION WHICH IS SOLD TO ANY NONAFFILIATED THIRD PARTY AND USING SAID INFORMATION WITHOUT CONSENT IS FRAUD. NO CONSENT FOR SUCH ACTIONS WERE EVER GIVEN EXPLICITLY WRITTEN OR VERBAL. I HAVE DISPUTED AND DEMAND SAID INFORMATION BE REMOVED/OPT OUT OF FURNISHING SAID DATA. ANY CONTINUED REPORTING OR FURNISHING OF THIS ACCOUNT IS WITHOUT MY PERMISSION/CONSENT/AUTHORITY AND CONSTITUTES IDENTITY THEFT. I DEMAND THIS INFORMATION BE BLOCKED AND DELETED FROM MY CONSUMER CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH 15 USC 1681 C-2 TO AVOID FURTHER DAMAGES TO ME.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I do not recognize these inquiries on my report XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX CREDIT - XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bureau XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX BureausXXXX Processing XX/XX/XXXX
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

My online access was somehow compromised and dozens of transactions were made that was not done by myself or my wife including but not limited to XXXX XXXX, chase freedom, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and every other account on my credit profile the bank has been unwilling to help me or give me any money back for the fraudulent charges/changes to my account and is totaling approximately around 12- {$15000.00} and have been dealing with this since XXXX of 2020. Which has forced my to get loans to cover bills occurred in order to salvage my credit at the same time fraud had been actively involved on my account from XXXX through XX/XX/2020.