davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX, XXXX and XXXX someone used my credit card number to make 3 charges to XXXX In the amounts of {$1000.00}, XXXX, and XXXX. 
I have called both XXXX and Chase 27 times without any results. 
My bank is Chase and even though XXXX has confirmed that these charges are fraudulent my bank refuses to reverse the charges. 
XXXX says they have handled it but still the charges are on my account. 
Please help me get my hard earned money back.
Consumer complaint received 2020-12-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Santander Consumer USA Holdings Inc. (CA)

The company Santander consumer USA / Chrysler Capital has ignored my mail, phone calls. Since XXXX XXXX. 

They are charging me {$12000.00}. When the vehicle has been repossessed and sold And reporting to my credit report as charge off and still trying to collect payments. I was one of the victims from their multi state settlement that was reached out to be eligible to received payment or get the pardon to delete the company name from my credit report. 

On Chrysler Capital it says that the payoff disclosure was {$2000.00}. And now its more than ever Ive reached out to the 3 major credit Agency to ask Santander to provide validation of the sales and yet they have denied and still report it on my credit report as accuracy. They repossessed my car in 2017 and they still refuse to show me proof. I recently challenged them to send me the form 1099C and still ignore me.. 

So, I came across this post that CFPB : Santander Must Pay {$4.00} Million For Credit Reporting Violations. Dated XXXX XXXX. 
Hopefully someone can reach out to Santander and remind them that theyre still havent reached out to us. 

I also reached out to rusty consultants and put a complaint that I have not reached a settlement from XXXX on XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX - XXXX -XX/XX/XXXX - {$4700.00} INQUIRIES : XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-30
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. (MT)

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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

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 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX up until the Covid 19 COVID-19 national emergency ends. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Is reporting a late payment to my credit report however, I had follow all steps of making a valid payment arrangement via the CARES ACT with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. 

Late and missed payments CAN NOT be reported if you have already made arrangements. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-14
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. (GA)

I am disputing the following information on my Transunion credit report as it is inaccurate and negatively affecting my credit standing. The reported item from the creditors named with various account numbers is incorrect due to reason, such as identity theft. I did not authorize this account, nor do I owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well-being. 

I am requesting, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that this inaccurate information be investigated and either corrected or removed from my credit file. I have attached supporting documentation, such as ftc report, to verify my claim and ensure this matter is resolved promptly. I appreciate your immediate attention to this issue and request that I be informed of the outcome of your investigation within 30 days.
Consumer complaint received 2023-01-05
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. (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 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (AZ)

I have been a victim of identity theft and I believe no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

They helped me with my payments however I ni can not log in. They deleted my email and phone number associated with the account so I can't get the text or email code in order to make my payments online. They're are doing everything they can to make me late, hit my credit and get late fees. This is absolutely not okay. We've had nothing but issues with this horrific company. I have cards through them for XXXX, Victorias Secret, XXXX and XXXXXX/XX/XXXX that they have done this with.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (FL)

Unresolved Issues with Bank card and Accounts - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX XXXX Resolution Manager | Client Advocacy Team As of today, XX/XX/XXXX, my account is still frozen and forced me to drain my checking account -illegally by using it as leverage to cover my broker account. I'm puzzled by your incorrect letter on XX/XX/XXXX and XXXX XXXX and wild explanations!! Why would I ( a reasonable person standard ) close my own credit card on vacation in XXXX?? You have several letters documenting the facts. The fact remains it was your Rep who used bullying and coercive techniques to freeze 3 accounts. We believe, this action is breaking a series of banking and SEC regulations. It is my understanding Schwab policies are trumped by federal and state laws. I lost way too much money in the XXXX unprovoked account freezes and improper mathematics to simply have the matter buried by inaccurate nonsense!! I have filed a FINRA complaint with XXXX XXXX in. Washington DC and expect Schwab to produce the recordings of bullying reps forcing me to close my banking account and data I requested for mediation and or court. I think the federal government needs to see how small investor, and XXXX US citizen, is treated by your firm. I know Schwab and other broker-dealers are afforded guard rails given by SEC but XXXX we believe your actions have strayed outside the lawful industry standards. I teach finance at the University level for 25 years. I discuss the law as written. I have 2 other brokers and checking accounts. I do not have any of these problems. Why?? I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts. All my best, XXXX XXXX I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts and damages caused by your improper handling of my account. All my best, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Lawyer
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

My wife was in an accident XXXX XXXX and we purchased her new vehicle XX/XX/XXXX. I traded my XXXX XXXX XXXX in on the purchase. XXXX XXXX XXXX stated they sent the payoff to US Bank shortly after the purchase. US Bank called stating my payment was late when it was not even a week late. I told them that the car had been traded in and they should have payment any day. They called again a week later stating payment was two weeks late. Again advised them of the trade and XXXX XXXX XXXX confirmed sending the payoff. Third call from US Bank and I went to XXXX XXXX personally and they sent overnight payment. US Bank got the payment then showed me 60 days late and closed account causing a XXXX point drop in my credit score which I am NOT happy about at all and want the 60 day late removed from the account and my score restored to what it was.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2022, I started a business Paypal account. After adding my personal information with no problem, I tried to add my bank account information but Paypal required my bank logins, username and password. I was not able to simply add my routing number and account number. 

On XX/XX/XXXX. 2022, I, again, attempted to add my bank account information. Once again, I could not add my routing and account number. 

So, I called Paypal Customer Service. I told the representative that I was uncomfortable giving my username and password for my bank account because of possible breaches that could occur. The representative told me that Paypal was secure and that there would not be a breach. 

Following this, I closed the account and searched with XXXX to see whether Paypal had previous breaches. They had breaches as recently as XX/XX/2022 which were reported by various news agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX So, the representative lied to me. Since she lied to me, I know that she and other Paypal employees would tell the same lie to anyone who questions this Paypal requirement. This could effect millions of consumers and businesses for millions to billions of dollars if a breach occurred again. 

Additionally, Paypal would not allow me to add my XXXX to my business account. They required my Social Security Number. This is highly unusual with business accounts and could lead to tax evasion by those who wish to evade taxes. 

I am attaching a screenshot of the Paypal requirement as I stated and an audio file that I recorded while speaking with representatives at Paypal.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being fraud.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (GA)

I have tried numerous times to contact thid company and let them know there is a XXXX. and a XXXX. And they keep mixing up the two of us i dont know this company i have never signed any contract with rhem nor any of there affiliates
Consumer complaint received 2021-06-29
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: General Mortgage Capital Corporation (CA)

Instead of providing a loan estimate document, GMCC started processing the refinancing straight away. 
1. Getting a basic loan estimate was difficult. Lender asked me to submit all my paperwork and ran my credit report before they gave me a loan estimate or Loan worksheet. Agent send me an email quoting the loan estimate 0.375 ( instead of 3.75 ) and XXXX closing cost, which was the promised rate. When I received the final loan estimate closing cost became {$13000.00} ( This includes a portion of my property tax around {$6800.00}, but still it is still way more than they promised. 
2. In order to get a Loan Estimate I had to provide all my personal details and financial information over an unsecured email conversation.

3. Communication was misleading and forced me to e-sign a refinancing the mortgage before seeing a loan estimate. 
4. Manipulative in the way the agent/company processed 5. They provided me an loan estimate after several days and several emails and still has excessive closing costs which was not promised 6. GMCC   send me a document to e-sign by mentioning that acknowledgement of receipt of loan estimate, which was never sent to me. After insisting for a real loan estimate, they finally sent me one.