davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (NM)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

I subscribe to Experian 's monthly credit service in the amount of $ XXXX/per month for 6-7 years, then without approval starting XX/XX/19, Experian starts charging my account without approval $ XXXX/mo. 

I've contacted Experian and they have credited my account for the month of XX/XX/XXXX but would not do so for XX/XX/XXXX and XX/XX/XXXX. I'm continuing their service for now $ XXXX/mo. 

I'm not happy they didn't rectify the entire issue but this doesn't bother as much and is my real concern is Experian automatically started charging my account 400 % increase amount without authorization. They tried the same thing about 3 years ago without notice too which is the real reason for my irritation. 

I'm literally dumbfounded a credit agency of all companies would do this to consumers if this isn't illegal its unethical. 

Thanks for all you do for the consumer. 

Best of luck, XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Recently I contacted Bank of America in an effort to refinance my house and get out of the ridiculous rate of interest that I was currently paying on my first mortgage and my home equity line of credi t. (  8.625 % ) 4 years ago, I got divorced and went from a  XXXX  family income to a single person income, and I fell behind in my mortgage and home equity line of credit payments, but eventually caught up and have made both payments regularly fo r four y ears now. Due to the fact that four years ago Bank of America issued me a foreclosure letter on my current property, but nothing since then, I was refused a " Cash Out '' refinance option that would allow me to roll the first and second mortgage into  XXXX  and reduce my interest amounts considerably. When I asked my agent to provide me with the reasoning behind why I did n't qualify for the " Cash Out '' option instead of just qualifying for refinancing the first mortgage, he stated that because I had received that foreclosure letter four years ago, that according to Bank of America 's guidelines, I did n't qualify for combining the first and second mortgage. I asked the agent that I was working with to provide me with a written explanation of why I did n't qualify for the combined mortgage option, and he told me, " Bank of America 's legal team advised him against sending me anything in writing to why I was n't being considered for the " Cash Out option. '' He also stated to me, " since I was being considered for the refinance of just the first mortgage, that Bank of America does n't send out explanations unless the loan for which you are currently being considered is n't approved. ''
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-17
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)

There are MULTIPLE FRAUDULENT inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Chase Processors has improperly and perhaps fraudulently removed money from my company 's checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We make use of a website, XXXX to sell product and provide customers a way to pay for their purchases with credit card. Chase performs the processing of the credit card transactions, for which they charge a base price of XXXX cents per transaction, or attempted transaction ( in the case where a submitted card for purchase has been denied ). On XX/XX/2024 my website was, unbeknownst to me, inundated in the background by a flood of attempted credit card purchases, the vast majority of which were denied, which persisted until XX/XX/2024. A rogue operation were testing a list of stolen credit card numbers on my website without my knowledge to see which were approved and still usable, a well known type of scam that Chase should have been aware of. On XX/XX/2024 Chase Processing deducted {$15000.00} from my account for their services for the month of XXXX. I was shocked. Historically, they have never deducted more than around {$300.00} for any month for their services. I became aware of the {$15000.00} deduction on XX/XX/XXXX when I logged into my checking account to pay bills. I called them immediately for an explanation. They said they were charging XXXX cents per transaction for over XXXX transactions that month. Chase is a huge, sophisticated operation. It is impossible that their tools and systems did not immediately detect a huge spike, amounting to a MULTIPLE OF AT LEAST A THOUSAND TIMES, over what my website customarily, and historically does. Plain common sense should have recognized that there was a bad actor at work. They breached their fiduciary obligation to me in two ways. They have among their tools the means to immediately put an end to the type of fraud that was occurring, but chose to do nothing, allowing charge after charge and fee after fee to continue for almost a full month. Neither did they alert me as to what was going on. I do not think that this, at minimum gross negligence, verging on complicity was without design. It reaped for them a {$15000.00} plus ill-gained windfall at the expense of a customer to whom they have fiduciary responsibility. If as I suspect this conduct of theirs extends across their whole system, there have probably been millions of dollars pillaged by them from small businesses in the most deceitful way. I request that you hold them to account.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Company does not realize the damage done Ive called multiple time but was on long 2-4 hours lines waiting for one person to answer, I went to the court house they stated on complaint and was told it did not exist I sent in a response letter XX/XX/2023 the same day they go called filed the suit I got a letter dated XX/XX/2023 the company above has gone beyond the lines of harassment lost a job because of the harassment they caused they were quick to call me 5-10 times in a row x 3 times a day called my job everyday once they found out I was working again I lost my job because of them
Consumer complaint received 2023-05-17
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ ACCOUNT NUMBER : XXXX, has violated my rights. XXXX5 U.S.C 1681 SECTION 602 A. States i have the rights 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 account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-08-07
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-11-29
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: EQUIFAX, INC. (VA)

Complaint is against the XXXX XXXX XXXX XXXX for 4 separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, XXXX and Equifax ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all 4 loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.
Consumer complaint received 2023-03-14
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. (TX)

The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

I have been charged a monthly fee for my Savings account by XXXX of {$5.00} in XXXX and XXXX. They said they would waive the fee if I had XXXX of the following : {$0.00} when you have any XXXX  of the following : A balance at the beginning of each day of {$300.00} or more in this account OR, {$25.00} or more in total Autosave or other repeating automatic transfers from your personal Chase checking account ( available only through XXXX or Chase Mobile app } ) OR, Chase College Checkings account linked to this account for Overdraft Protection OR, an account owner who is an individual younger than XXXX OR, a linked Chase Premier Plus Checkings, Chase Sapphires Checking, or Chase Private Client Checkings account I have a monthly auto save of {$75.00} Chase keeps refusing a correct the issue.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXXXXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, TransUnion and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

The lvnv account is attempting to collect a debt for XXXX XXXX XXXX in the amount of {$250.00} the original debt was removed so lvnv can not collect a debt from a account already removed for id theft see update police report
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (PA)

Nelnet Failed to send me Proof of Signed Agreement To Pay Them anything and They Continue to Send documents or Government Mail to Places I DON'T LIVE that Breaches My PRIVACY AND SECURITY That Needs To STOP They Were Taken Off Of My XXXX and THEY NEED TO STOP REPORTING TO ALL CREDIT AGENCIES STOP TRACKING AND HARRASSING ME IT's Their Responsibility To Sent The Proof Not For ME TO GIVE THEM MY SIGNITURE OR ANY ID TO Compare anything to They Had my Address from The CFPB yet they continue to send my information to Delaware that is a whole different State.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
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. (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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 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 2020-07-29
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: EQUIFAX, INC. (FL)

I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!
Consumer complaint received 2023-03-14
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. (NY)

FIRST OFF, I have provided you with thorough documentation that the data furnishers DO NOT have accurate records. SECONDLY, I have shown they are not responding to MY REQUESTS FOR INFORMATION, which is a LEGAL REQUIREMENT. And LASTLY, I continue to get CANNED RESPONSES from you WHERE YOU CLAIM YOU VERIFIED THE BELOW LSTED ACCOUNTS. Where is the verification? I have NEVER seen any documentation which proves I'm the legitimate author or responsible party to these accounts. Since it's not verified nor have I seen any proof how can you make the claim you've complied with FCRA law? Im giving you one last chance to rectify this situationThe following accounts are reporting inaccurately and I NEED THEM CORRECTED IMMEDIATELY. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 

Lastly, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need them removed at once.
Consumer complaint received 2023-03-14
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. (NY)

FIRST OFF, I have provided you with thorough documentation that the data furnishers DO NOT have accurate records. SECONDLY, I have shown they are not responding to MY REQUESTS FOR INFORMATION, which is a LEGAL REQUIREMENT. And LASTLY, I continue to get CANNED RESPONSES from you WHERE YOU CLAIM YOU VERIFIED THE BELOW LSTED ACCOUNTS. Where is the verification? I have NEVER seen any documentation which proves I'm the legitimate author or responsible party to these accounts. Since it's not verified nor have I seen any proof how can you make the claim you've complied with FCRA law? Im giving you one last chance to rectify this situationThe following accounts are reporting inaccurately and I NEED THEM CORRECTED IMMEDIATELY. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 

Lastly, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need them removed at once.