davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (AL)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-21
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. (TX)

The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: United Shore Financial Services, LLC (CA)

Im lots of calls and way of talking threatening me and filling lawsuits on me and main my I.d stolen my credit score and profile all mass up. Im having all the proofs also all paperwork.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

In early XXXX, XXXX I received notice via the US Mail from I.C. System Inc that they are collecting debt owed to XXXX XXXX. They claim that amount past due was {$1000.00}. This is XXXX of many attempts from several collection companies to fraudulently collect funds from me. The first attempt was from XXXX in XXXX, XXXX. They claimed I owed funds to XXXX. I immediately contacted XXXX and was told I did not owe any funds and they had not requested debt collection from XXXX. XXXX assigned to me a complaint reference number XXXX. I later was contacted by XXXX XXXX XXXX saying I owed funds to XXXX / XXXX. I filed a complaint with the office of Indiana Attorney General on XX/XX/XXXX. The XXXX office investigated but XXXX XXXX XXXX did not respond. Then on XX/XX/XXXX I received notice from XXXX ( another debt collection company ) saying I owed {$1000.00} to XXXX XXXX XXXX. So the attempt by I.C. System to fraudulently collect past due funds is the fourth different debt collection company! On XX/XX/XXXX, I sent an email to I.C. System, Inc stating that no funds are due. They did not respond to my email. On XX/XX/XXXX I was notified by XXXX ( credit report XXXX XXXX ) that I.C. System notified XXXX that I owe {$1000.00}. I notified XXXX and they have filed for a dispute investigation of fraud. The case number assigned is XXXX. This issue has progressed over several years and through four debt collection companies, all of which are fraudulent. Thanks for any action you can take to contact this latest company I.C. System, Inc and ask them to cease and desist.
Consumer complaint received 2020-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: REGIONS FINANCIAL CORPORATION (AZ)

My auto loan was paid off XX/XX/2019. 

I overpaid {$690.00} and asked for a refund. The bank wont provide a refund of the overpayment without asking two times. 
My account has been closed so Im not able to gain access and submit a request. 

Ive tried calling multiple times, and hold the line for an hour multiple times before ha hanging up in frustration.
Consumer complaint received 2020-01-13
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. (NV)

I filed a dispute with Transunion onXX/XX/2019 and all other credit reporting agencies and they could not verify this was my account. Transunion is reporting on my credit file under " XXXX XXXX XXXX ''. That account is still there and it is not mine.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

My wife has a credit card with Synchrony Bank credit card. She makes purchases and pays on time. One time in past six months she missed a payment. They reported to credit reporting. After which we did pay off the amount with in the 30 days of reporting late. 
Now, after many months it is still showing 60 day late and 90 days late on payment, even after it is paid off. Not only that, I am not linked to my wife 's credit card. And my credit report is showing bad scores. This delinquent report is showing on my credit history. 
We are requesting you help to remove this late fee record for my credit report. Also requesting to help in updating the paid off and not show delinquent in the future credit reports. Your help is appreciated.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (IL)

XX/XX/XXXX : Deposited {$560.00} into TCF ATM machine at their XXXX XXXX location ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ). ATM machine asked if I can confirm amount of {$100.00} is correct. I rejected amount and asked teller at bank to investigate why the machine is incorrectly reading amount deposited. Teller opens machine and pulls out three crumpled {$100.00} bill notes that were jammed in  machine. I deposit remaining cash I did not deposit in machine and crumpled {$100.00} bills into checking account with teller and submit claim for remaining {$260.00} missing. 

XX/XX/XXXX : Call TCF customer service as no update for claim was received and was subsequently told claim was rejected. I visit same branch and inquire the same teller from before why claim was rejected. Teller says the machine gets balanced weekly and only {$100.00} in surplus was found so claim of {$260.00} was rejected. I submit another claim asking teller to add a note to investigate through the bank 's cameras both for the time when I deposited funds and when the employee ( s )  who balanced the ATM had withdrawn the machine 's funds. 

XX/XX/XXXX : Call TCF customer service and was told claim was rejected again. Visit TCF branch and same teller who now claims that the machine showed a {$0.00} balance for that week and the previously mentioned {$100.00} surplus was from another customer 's deposit. Bank refuses to show footage and in the claim 's notes, there was no investigation into the employee ( s ) who balanced the ATM.
Consumer complaint received 2023-03-16
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. (AL)

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 2023-03-16
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. (VA)

My name is XXXX 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 2023-03-16
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} ; XXXX XXXXXXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have disputed negative inaccurate debt collection information on my XXXX consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and XXXX has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, XXXX has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes XXXX has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to XXXX and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying 3 times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that XXXX is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of XXXX.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

SyncbAmazon PLCC ( The compmany was contact and ask to show proof that this account belongs to me. No one contact me back, nor later or call. I been identity theft since 2005. I also have a lock on my account. ( ACCOUNT NEED TO BE REMOVED ALL THE INQUIRIES NEED TO BE REMOVED. I HAVENT APPIED FOR ANYTHING IN 2-3 YEARS
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I had numerous defective orders from XXXX over XXXX. When I went to get a return and refund, XXXX wanted me to pay more than the price of the items in return shipping so I filled disputes. Citibank not only discriminated against me, they also allowed XXXX  to cause me fraud. I still have the defective and wrong merchandise they sent waiting on a prepaid return label or an address within the US to ship to. I never received that. 

So CItibank assisted XXXX and their merchants to defraud me, a XXXX individual nearly $ 1K! 

Case ids : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i called capital one last month on XX/XX/XXXX to tell them my {$81.00} payment would be a few days late as i was receiving a payment on an odd week. I recorded the call for my records, just as the agent stated the call would be recorded. The agent told me the late fee would be waived and she would be make a note on my account. Five days later I made the payment. i then called, and the agent reversed the late fee. I also enrolled in the payment assistance program for ninety days as I am in between jobs and waiting to start a new position. I agreed to make the payment of $ XXXX   monthly as this is what i can afford for the time being. I received a letter in the mail confirming my enrollment in the payment assistance program. I checked my account online and saw that it was in past due status. I waited a few days assuming maybe it takes them a couple of weeks to rectify the account status. Today, XX/XX/XXXX, i was about to make a payment and noticed the balance is still {$100.00} and my account is still in past due status. I called capital one and spoke with an XXXX ( operator ID : XXXX ). After sitting on the phone for XXXX minutes in dead air while he researched my account, he could not find a reason for the past due status. So, he stated he had to contact a Senior Agent. HE came back to the line and stated my account was put into past due status because my payment was {$2.00} short. I went ballistic. My payment has never been short. I agreed to {$81.00} per month, THAT IS ALL. Why would i go online and make an {$81.00} payment if the balance said {$83.00}? That doesn't make a bit of sense. Why would I agree to pay {$81.00} per month if it said {$82.00}? My payments have never been late, I have always made them on time and full the amount due. He then transferred me to XXXX ( Operator ID : XXXX ), a senior agent. She stated she had to submit a request to have my minimum reset back to {$81.00}, and the request takes 7 to 10 business days. She didnt know what the adjustment would be. So, to ensure there are no late reports, I made a payment today of {$84.00}, which includes the {$2.00} they claim I didnt pay last month.
Consumer complaint received 2023-02-12
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. (NJ)

XXXX XXXX XXXX went to a XXXX XXXX bank branch to open a business credit card. With the assisance of the XXXXXXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I submitted a Wire through Chase Online bank on XX/XX/XXXX. The wire completed same day according to Chase mobile app. I submitted a second wire on XX/XX/XXXX and that wire was was received and credited to the recipient account. I have waited for the XX/XX/XXXX wire to arrive and through multiple calls throughout multiple days I get the run around that the wire is completed. Both wires were sent to the same exact address using the same wire template. I had previously submitted wires to the same recipient with no delay or issues. I needed that money today and no one is helping.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is Unbelievable, how is it that someone can use your Personal Information without your Authorization this account is fraudulent. I respectfully Request that this account be removed from my credit History. 
this is very stressful, please help me resolve this situation