davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : TRANSUNION : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX XXXX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX  Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  - XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2019-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CT)

On XX/XX/19 a payment through ACH was scheduled today is now XX/XX/19 to my knowledge the mortgage refused said payment my bank provided me with a transmittle form showing the mortgage refused payment stating this fact putting me further behind amd mortgage now states they will not accept anymore payments on my behalf and want to move forward with foreclosure The bank im referencing is Loan Depot
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit ( an increase in my credit line ) by CAPITAL ONE BANK d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by CAPITAL ONE BANK d/b/a CAPITAL ONE on several occasions ; XX/XX/2021, XX/XX/2021, and XX/XX/2021 via email and notification through my Capital One mobile app. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE BANK d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). CAPITAL ONE BANK d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER U. This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a XXXX  past due for this account. You are reporting mistaken information on this account. This must be removed immediately. Per FCRA, reporting must be 100 %  accurate or the information must be deleted. 
SANTANDER CONSUMER U ***** Opened Date XXXX XXXX, 2016 Balance {$0.00} SANTANDER  ***** Opened Date XXXX XXXX, 2016 Balance {$0.00}
Consumer complaint received 2021-11-22
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. (GA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (TX)

XXXX would not allow me to cancel my service because I was on month past due. After i informed them I will not pay until they cancel my service they decided to charge me for 2 additional months. Franklin collections sent me nothing in writing like the 2 other collection companies prior and was removed. I paid {$330.00} of the debt I owed for the month I admit was my responsibility. This is the 3rd debt collection that has not notified me in writing and therefore is in violation of the FRCA. XXXX again shows blatant disregard for consumers rights. If others have experienced this we need to get together and file a class action lawsuit.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NJ)

Good Afternoon, On XX/XX/2021, I submitted a complaint to Equifax detailing that I had closed my XXXX XXXX account, in which I provided official documentation from XXXX XXXX to the XXXX verifying that my account had indeed been closed, as sufficient proof of this occurrence, and that my credit report was reflecting incorrectly. Equifax then stated they were launching an investigation, and then closed out the investigation without updating any information. Since I provided verifiable information, Equifax blatantly violated the XXXX, by not conducting a valid investigation, and I would like for the XXXX to hold them accountable, preferably with large fines. I am submitting a second XXXX complaint, to document a direct violation of the XXXX  by Equifax, and am asking to have an actual person review the documentation presented, as it appears they did not review any of the documentation provided in the prior complaint. Should Equifax continue down it's current path, they will face a lawsuit for violating the XXXX  under XXXX XXXX. XXXX ( b )
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MI)

In XXXX of XXXX  I was offered a promotional balance transfer from Chase Sapphire. I utilized the promotion to transfer {$2500.00} from XXXX XXXX  with a fee of {$120.00}. 
The promotion was advertised by Chase as a interest free balance transfer until XX/XX/2024. However Chase did not fully and clearly explain that full payments on my standard daily purchases for each monthly cycle would not be applied to those purchases. I have paid off my Credit Card balances every month for years on ALL of my Credit Cards. I contacted Chase several times over the past few months because the statements are showing incorrect balances on the promotional rate, with one month showing a XXXX balance ( XX/XX/2024 statement shows XXXX balance ). I have done balance transfers in the past with other banks/CC and paid each monthly balance off and paid off the promotional balances by the end date of the promotion with no interest! 
Chase has been allocating some of my monthly payments towards the pay down of the promotional balance and charging interest on my daily purchases. 
The promotion was misleading and so is the so called " How to avoid paying interest on purchases '' description on page 2 of my monthly statement. The advertisement for the promotion never clearly described how interest was charged. The promotion said in big bold letters balance transfers would be interest free until XX/XX/2024. 
I have received one letter from Chase and the letter did not address my complaint I filed regarding my concern for the inaccurate XXXX XXXXXX/XX/XXXX statement, In fact the letter stated I was being charged XXXX interest? Each of my past monthly statements since XX/XX/2024 show that I have paid the balances in full, But yet I am being charged interest? 
After several phone calls and Chase refusing to reverse the Interest I have canceled the card. Chase will not provide me or have listed how my payments were applied on any of my statements. 
None of my monthly statements clearly define how the balance owed is determined including the promotional transfer. It is total confusion and misleading.
Consumer complaint received 2021-11-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX XXXX AND EXPERIAN on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Consumer complaint received 2021-11-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent a direct dispute via certified mail to the credit reporting agencies, TRANSUNION XXXX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following 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 XXXX 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/year>
Consumer complaint received 2021-11-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX EQUIFAX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX  days, now XXXX  days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (NC)

I'm unaware of this debt. I did not have an opportunity to dispute this information prior to being reported. By law you are required to provide me with a notification within 5 days. If in fact you believe that you gave me proper notification, then please send me the certified receipt with my signature on it for verification.
Consumer complaint received 2021-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (MI)

In late XXXX, there were three charges to my bank account for almost {$400.00} each. All three charges were the same exact amount. The charges said, " XXXX '' which I XXXX  and found to be a company called MoneyLion. XXXX refunded the fees and sent me a new debit card, so I thought that was the end of it. On XX/XX/XXXX, I received a credit card with my name on it from MoneyLion. I contacted them to say that I had not applied for a credit card with them and that this must be related to the charges to my bank account. They assured me that I just needed to cut up the card and I would be all set. They also asked me to speak to their fraud department, which I did. When the fraud department asked for the phone number associated with my account, I gave them my phone number and they said that was not the correct number. Of course it wasn't - because I did not open the account. They would not give me the phone number that had been used. Anyway, I filed a report with their fraud department that day. On XX/XX/XXXX, I received a letter from them letting me know that they determined that I HAD opened the account with them and that they were closing their investigation. They included a copy of my " application '' which simply contained an electronic signature with my name. I have been contacting them almost weekly since receiving this e-mail and they keep saying the same thing : I'm sorry, there's nothing we can do. Well, today, I received an alert that there was a change to my credit report. There is a delinquency from MoneyLion. I am in the process of buying a house - or I WAS. Now I am in the process of trying to get this off of my credit report.
Consumer complaint received 2021-08-30
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: SYNCHRONY FINANCIAL (NJ)

I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-08-30
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Debt Mediation, Inc. (FL)

In XXXX I was wrongfully evicted from an apartment complex. I was told my deposit was forfeited ( {$1500.00} ) and will not be applied towards my owed balance ( {$2700.00} ). When Professional Debt Mediation bought my file they sent me a summary of what was sent to them in reference to what I owed. Upon reviewing I noticed that the itemized list did not add up, unless there were missing items from the list. At the time I had no idea how to dispute this and fighting homelessness. More recently, I discovered that I may file a dispute because of the mathematical errors on itemized list so I did and was to by the credit reporting agency to reach out to Professional Debt Mediation to possibly get a resolution. I reached out to company with itemized list in hand to go over, and the representative was having trouble explaining how the numbers added up to the total ; and she definitely tried. When I told her that they should accept lesser amount due to the misinformation, that representative then allowed me to know that I could be sued for not taking care of this. Also they have added this to my credit report again ( XXXX ) since it was supposed to drop off in XXXX. I made an honest attempt to settle, because there may be some money owed, however it is not what was stipulated on the itemized list that is being used to determine my debt. They are charging almost {$3000.00} for an apartment that had no holes in the walls or any interruption of the foundation what-so-ever.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I just learned by XXXX XXXX that I have a new harmful collection data in my Credit Reporting Agencies, and I don't even know that company.

I never received any previous communication from this company. How come they destroy my credit score when I don't even know what's going on.

It should be retrieved from all reports immediately.

I never saw such a thing ; I'm asking myself if It is just discrimination.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX 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.