davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on XXXX, 7 on XXXX and possibly 4 on Experian. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.
Consumer complaint received 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (MA)

To whom it may concern, Last Friday, XX/XX/2018, I scheduled a payment of {$500.00}. Usually the money gets debited from my bank account the next 1-2 business days and is then reflected in my XXXX account the next day. However, it is now XX/XX/XXXX, almost a week later and the money has not been debited from my bank account. According to their website, it says " please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. '' However, as previously mentioned, the money usually gets debited from my bank account a day before it's reflected on the XXXX website. Therefore, even if the money gets debited tomorrow, it won't be reflected on my XXXX  account until Monday at the earliest, and I'll surely be gaining interest on my student loans until then.

If there was some type of hold up with my payment, I believe I should have been notified. In the meantime, this company gained a 5 % interest rate for an extra week. I think that's outrageous, exploitative, and unfair.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau blocks any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-23
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. (LA)

In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$650.00} Account # XXXX  XXXX  XXXX XXXX {$380.00} Account # XXXX  XXXX XXXX XXXXXXXX {$350.00} Account # XXXX XXXX XXXX XXXX {$320.00} Account # XXXX XXXX XXXX XXXX XXXX {$380.00} Account # XXXX XXXX XXXX # XXXX {$540.00} Account # XXXX XXXX XXXX # XXXX {$470.00} Account # XXXX XXXX XXXX  XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # XXXX  XXXX XXXX XXXX XXXX # XXXX {$320.00} Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-08
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)

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 NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-10-12
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: ALLY FINANCIAL INC. (NY)

I opened several accounts with XXXXXXXX XXXX around XX/XX/2022. After 3 weeks or so after using my Ally Bank account to transfer money to my XXXX account totaling XXXX USD my accounts were placed on Restricted Mode pending an Identification Process. I submitted pictures of my State ID as well as my Cell Phone bill due to it being the only utility bill I had, as well as a correspondent between me and the XXXX Office of the Comptroller, to better prove I am who I say I am but I was told that that was unacceptable. I have called the bank several times to retrieve my funds only to be told that they would write it off which would cost me to lose my XXXX that is being held in the account. They claim the only other method would be to call Ally and have them issues a recall. I was told this method on several occasions and even told so in an email correspondence between me and XXXXXXXX XXXX. I would them contact Ally Bank and explain what occured to which they also told me the only option would be a recall. The recall was performed and a total of around XXXX XXXX  was recalled against my XXXXXXXX XXXX account. The recall would go through but around the week of XX/XX/2022 the XXXXXXXX XXXX  would get charged against my account. I would call Ally Bank and they would attempt to infer that despite me explaining to them what happened and them agreeing that it rally was necessary, even after both Bank parties suggested and recommended it, that the transaction was done in " Good Faith '' and after I would argue that they would attempt to claim it was a different transaction then the recall. On XX/XX/2022, I would login to my account to see the second recall was also charged against my account. I have reported this to the FBI as wire bank fraud due to it seeming as a coordinated scheme to fraudulently charge my account and cause it to get closed. From the unjustifiably XXXX account freeze, to the suggested recalls, and the attempts at committing wire fraud by overcharging me on fraudulently charges. I especially asked if that is what they are doing and they would say no and then turn around and do exactly that.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was made aware ( XX/XX/2022 ) today that XXXX XXXX XXXX  made a hard inquiry into my credit report with Transunion on the same day. I did not authorize this inquiry and when I spoke to XXXX a representative of XXXX to dispute this action because it did in fact lower my credit score I was told those dispute can only be resolved via regular mail. She further stated I would have to send documents stating my reason for deletion of the inquiry. The only document I could possibly send would be a letter stating I didn't authorize the inquiry. The burden of proof falls to person saying there is an issue and not to one who did the action. Further more the practice of requring someone to use the USPS is discrimination against people in the transportation industry which, in turn further victimizes them and then exposes people to covid ( unnecessarily hanling papers and documents from random people ) an issue that can be resolved and disputed via online or over the phone. I am an XXXX XXXX XXXX XXXX XXXX with no access to printers or a mail box. I am away from home for months at a time. I made Transunion aware of a bank requesting my credit report without my consent and they refused to investigate it and are making it virtually impossible to resolve, but reduced my credit score for something I didn't do.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I cancelled my XXXX XXXX and then the American Express Credit Card got automatically cancelled, which is fine, but now I'm getting bills from American Express even though my account was closed with a XXXX balance last I had checked and there were no pending transactions to be resolved and I always had autopay set up on the account ( and still do ) ( I always maintained autopay and a {$0.00} balance and these bills started well after any pending transactions would have reasonably been resolved ) and so there is no way that I could still owe American Express any money, but I'm receiving bills for {$780.00} and now XXXX on some account that seems to be the credit card that they had closed and it all makes no sense. This is very disconcerting and I'm not sure if it's fraud or something else.
Consumer complaint received 2022-05-18
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. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry-XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX
Consumer complaint received 2022-10-12
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-07-23
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. (OH)

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 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 the Information is inaccurate.
Consumer complaint received 2022-05-23
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. (IN)

In XXXX of XXXX, I reported to Equifax that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX XXXX XXXX XXXXa and XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.
Consumer complaint received 2021-11-20
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. (CA)

I deposited a check for {$13000.00} and chase decided to put my check on hold for an indefinite amount of time. I already checked with the maker bank ( XXXX XXXX XXXX ), and they have cleared the check as was the money was already taken out of the account. Regardless of all of these information and a very lengthy hold time by chase, XXXX hours & several hang ups, chase decided they wont do anything to help my cause and continued to antagonize me by ignoring my plea for an expedite. Now i am currently in a financial bind because this bank decided they can torture people by withholding my own money from myself.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Skopos Financial, LLC (TX)

I received a statement from Skopos Financial dated XX/XX/XXXX for amount due {$2100.00}. Paid {$540.00} on XX/XX/XXXX online ; {$560.00} paid {$160.00} and {$400.00} on XX/XX/XXXX both via money orders ; {$1000.00} paid {$510.00} on XX/XX/XXXX via money order; paid {$510.00} on XX/XX/XXXX via money order. All money orders were sent with statements via certified mail with return receipt. I went online to Skopos Financial expecting to see XXXX balance, instead I saw balance due {$1700.00} due XX/XX/XXXX. Last payment received {$510.00} on XX/XX/XXXX. When I checked my mail, I received a statement dated XX/XX/XXXX amount due {$2100.00} payment received {$400.00} on XX/XX/XXXX. From XX/XX/XXXX, the only amount I have owed Skopos Financial is {$2100.00} according to their website. I printed the statement from website. I have paid this amount. 
I have also paid car notes {$540.00} on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Total amount {$1600.00} + {$2100.00} = {$3700.00}. I would like to know what happened to the money that I have paid Skopos Financial {$3700.00} for this year XXXX? Any assistance that you can offer will be greatly appreciated!
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NCB Management Services Inc. (IL)

ncb managment service report to credit report burea they told me they will not but they did to destroy my everything want to deleted ncb managment service from credit report and take legal action to stop collections communications, i have to do what ncb managment serivce told me to do,
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a settlement check and took it to my bank. the cashier refused to process the check because the check did not have my name on it. It was blank. I showed them the disbursement document issued by my lawyer 's office but that did not help. I wrote my name on the check, still they refused to process the check. I deposited the check using the ATM. After several days I received a letter from the bank refusing the check because " it is altered ''. i made an appointment and went to ask for an explanation from the bank. the designated bank representative explained to me that they refused to process the check because my name was not printed on the check and was handwritten. i asked them if that illegal to have the name handwritten on the check. the response was " even if it is legal does not mean it is right ''! I protested that they refuse a properly written check just because they did not like the way it was written and asked if they run checks to verify its authenticity. no response was given. the bank representative said she did not think they run any checks. I asked to retrieve the check. they refused to give the check back to me. they said that I should get another check from the party who wrote the check to me.