davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (UT)

On XXXX XXXX, 2019 I signed a contract with Consumer Portfolio Services ( CPS ) for a car loan in the amount of {$7700.00}. I have uploaded a copy of the loan agreement. During the entire life of the loan all payments were made on-time and without any delays. As a matter of fact, at times, I made payments ahead of schedule and tried to wlways be at least one payment ahead of schedule. I have uploaded copies of the first months of payments. 

However, is now reporting to CRA that starting of XXXX 2019, I was late making my payments on time, and was late from XXXX to XXXX days on my payments. 

However, As I sisgned the contract on XX/XX/2019, and having the first due payment on XXXX, 2019, it seems very challenging that before I made my first payment in XXXX of 2019, I was already late XXXX  days. 

This representation does not make sense and needs to be corrected immediately as it is affecting my ability to obtains credit and forces me to be charged higher than usual interests for loans.
Consumer complaint received 2023-02-08
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. (NY)

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 name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX Account name : XXXXXXXX XXXX XXXX, Account name : XXXX, Account name 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 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 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica (GA)

there was a gentleman unknown too me that used my credit card to pay his Georgia power bill acct # XXXX on 3 different occasions. The first transaction was on XX/XX/XXXX {$140.00} the second was on XX/XX/XXXX {$250.00} and XXXX more transactions on XX/XX/XXXX {$320.00} XX/XX/XXXX XXXX. I filed these transaction with my bank and they closed the case because someone did a balance inquiry check and they say they are unable to determine if fraud occured. I informed them that I did n't check my balance so It had to be the person that payed there bills with my card. they asked me to send in further documentation so I sent the a Power bill that I got from the landlord that was for the same amount and date which was on my credit card statement and the account name they still did not reopen my case so thet gave me the option to speak with the merchant directly so I have spoken to the merchant in regard to these transaction and was informed that they would credit the charges back to my account if I can give the full XXXX digit card number that was used to make the transactions I indeed gave them the card number and was told the transaction was in process of being reversed. I called to follow up the next day to see if the charges was reversed and someone told me that they ca n't reverse the charges because they are fraudulent and they told me that XXXX was misinformed to reverse the charges. they told me I have to contact my bank. So I informed to them that I do n't have a bank and the card that was used is a prepaid card. I gave them the dates, amounts and the whole XXXX digit card number in order for them to look up the charges they found them and I was told they would be credited back to my account by customer service Rep XXXX ID EXTENSION # XXXX
Consumer complaint received 2023-02-08
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. (NY)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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)

I submitted a dispute to all 3 credit reporting agencies that this account opportune was paid in full and they have not removed this account off of my report as paid. I have attached the paid in full letter.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX opened XX/XX/2021, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX opened XX/XX/2022, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information XXXX XXXX provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.
Consumer complaint received 2023-04-14
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)

My complaint for today is a follow-up to my previous complaint dated XXXX to dispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneous and I want them deleted immediately.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

In XXXX of XXXX, I requested a credit line increase with Chase. It was approved and life went on. I was still able to use and pay off my credit card balance each month. On XX/XX/XXXX, I had a purchase for less than {$10.00} declined by Chase. I called in to see why and found out they had set my credit limit to {$0.00} and further violated federal law by failing to notify me of the adverse credit action. 

Setting my credit limit to {$0.00} affected my credit score as if I had closed a credit account. No one at Chase could or would explain why this happened when they had approved a credit line increase in XXXX. I continued to persist and they finally connected me with their executive office, where I was told it was quite possibly a human keying error when the credit line was being adjusted up. Therefore, Chase basically admitted that they don't have proper financial controls for customers accounts and any person updating credit limits could erroneously set someone's credit limit to {$0.00} or moreover a bad actor could maliciously change customers ' credit limits with zero consequence due to their lack of financial controls to detect these errors. In the least, one would think they would send out notification of the adverse credit action on someone's credit limit - especially in this inflammatory economy where everyday Americans are struggling with the rising cost of living and rely on their credit cards to fill the wage gap.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my fourth 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I noticed an unusually high interest charge on my recent on-time credit card payment. The interest charge seemed very unusual so I called to get more clarity. I spoke with XXXX people on XX/XX/XXXX who told me the same answers and could not really give me any information regarding my interest charges. I asked for my credit card application and they told me they could not help. I asked to speak to managers, but kept getting refused. 

I then made an in store appt on XX/XX/XXXX. As i was making this appt in store, the XXXX and employee had conflicting arguments on helping me, only making me feel more uncomfortable. I came in for this hour long appt, and the banker kept telling me that he was new and didnt really have all the info and kept trying to sell me on their saving account interest rate, even though I told him many times I simply needed my original signed credit card application form. He was gone for half an hour and came back with XXXX of my latest statements which were unhelpful. I told him explicitly that I needed something different and he kept selling me this XXXX interest savings rate. Unbelievable. Nothing happened after this and I told him I was disappointed. I then called back on XX/XX/XXXX and finally got an official complaint and record number. XXXX. Well fargo credit card complaint online messaging center. This message said " We acknowledge your request for the signed application, and respectfully decline this request as this information is considered confidential. '' This seems ridiculous, so I called back and then set another in person appt for XX/XX/XXXX. I went in and talked with a XXXX who finally understood the simple document I requested. She was on the phone for nearly an hour and then told me that maybe someone would send me the document in XXXX business days. I am now almost 2 months in on this issue and I have not been sent a simple contract. I called again to escalate this even further on XX/XX/XXXX. Once again they pushed me around and could help me none.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (NC)

I am finalizing a mortgage and XXXX XXXX XXXX ) XXXX from Equifax wont stop calling and texting me. The text number is ( XXXX ) XXXX. He told me that he wanted me to cancel what Im doing and change to their services. I said no thank you, please dont contact me. No thank you. Goodbye. He sent these texts in reply : This is XXXX again ( the guy you just hung up on ) I get why you'd want to hang up so quickly, so I can send you everything over text to show you what XXXX should be offering you so you don't over pay for something you're already doing. How much cash were you looking for and how much do you think the home is worth? 

I replied : Stop. Please dont contact me. 

He sent back : Ok. I'm sorry to hear you're willing to get racked over the coals by XXXX I replied : Do not contact me. 

He came back with : You don't have to leave XXXX but you can at least take the numbers back to them to get a better deal. 

I came back with : Do not contact me. Stop harassing me. Please leave me alone. 

He says : I'm sorry if you felt like this is harassing at all but I was just trying to save you money. I'll get your file withdrawn from my companies system but I can't control the others, so your phone will still be ringing all day. Also, sorry if you banker at XXXX didnt give you the heads up. Have a nice morning. 

I replied : What is your name, name of the company, and phone number? Businesses are legally required to provide this information per fair consumer financial protection law. 

Radio silence. He had nothing to say add or reply to that one. Please ask this guy to leave me alone. Aggressive sales techniques are not endearing and when I block his number he bothers me from another one.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I enrolled in a Citibank account promotion for airline miles. Detailed in bold on the back of the promotion within the terms and conditions, it says, " Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. '' I've called Citibank multiple times after completing the activities and have been told by two " supervisors '' that is not what it says and it is 90 days from the date I opened the account and then an additional 30 days after that. 

That is not what the piece of paper I have in front of me says.
Consumer complaint received 2023-02-02
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX