davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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. (NY)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-03-13
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)

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 2023-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.
Consumer complaint received 2023-03-06
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: JPMORGAN CHASE & CO. (SD)

Chase-Slate credit card : Transactions : XX/XX/2022 XXXX {$590.00} XX/XX/2022 XXXX {$390.00} XX/XX/2022 XXXX {$390.00} I purchased the service of creating a working website from XXXX within 2 weeks of XX/XX/2022. I was in communication with various people, mostly XXXX, at XXXX frequently. A non-working attempt was presented to me on XX/XX/2022. The entire purpose of this website was to receive hopeful future customers when said customer completed the " contact us '' area and submitted their info to our email. This never could work and I spent multiple calls trying to get this functional. XXXX indicated they had this problem with many clients. However, they couldn't get it to work. I asked for reimbursment to which I was declined. I then disputed all charges with the 2 credit card companies I used. Bank XXXX XXXX VISA immediately reversed charges without difficulty. Chase VISA asked for documentation which I provided. They declined disputes indicating it wasn't a billing error, nothing pertaining to the complete lack of product/service that was purchased. I again disputed and sent in documents again-this time to numerous Chase employees that should be concerned and again this was declined with a final note that any future correspondence regarding this issue will be ignored. I have a complete file of documentation now plus I've sent you by mail a good majority of it. You responded to my email indicating to submit on line. Please refer to ALL the good documentation I sent by mail to back this up. This is not right, I have nothing to show for this {$1300.00} plus interest which I have finally paid because I didn't want interest to grow anymore... Please help this receive justice and what is correct. Please don't allow this company to take advantage of me.
Consumer complaint received 2023-03-06
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: TD BANK US HOLDING COMPANY (NJ)

To whom this may concern, I am writing this letter as a long time TD Bank Customer. I believe my first account was opened up with the assistance of my parents as a young teenager and I have been banking with them ever since. I have held both a Personal Savings Account as well as a Personal Checking Account and for the last 5 years have held a TD Bank Credit Card as well. 
On XX/XX/2023 I noticed there were unauthorized purchases made using my TD Bank Credit Card. There were multiple unauthorized purchases made using my card. I immediately called TD Bank Card Services to report this. I was told these unauthorized purchases would be taken care of. During that conversation on XX/XX/2023 the current credit card I had was cancelled and I was told I would be issued a new card and that it would arrive in approximately 7-14 days. 
On XX/XX/2023 I noticed that my auto-payment that I had set to pay my monthly balance on the card did not go through so therefore I received late fees and interest charges. On that date I also noticed two other unauthorized purchases. I called TD Card Services again to report these new finding and concerns. And again I was told this would be taken care of. 
After my initial two phone calls I placed one more call on XX/XX/2023 to follow up as I did not see the late fees or interest charges removed from my card. And again I was told that it would be taken care of and that it would be reflected in my account within the next 2 business days. 
Fast forward to XX/XX/2023 I receive a letter in the mail stating my TD Bank Credit Card account has been put into collections. I call the phone number listed on this letter and am explained that I have not been issued a new credit card and will not be issued a new credit card due to being placed in collections. No one could explain why my account was placed in collections and they were requesting a {$6.00} FEE to remove my account from collections. They were unable to explain the fees or outstanding balance. 
It is now XX/XX/2023 and this situation is still not resolved. I have made five total phone calls and two in person visits to a TD Bank Branch. There are still two unauthorized purchases on my account that are listed in my monthly statement. At this point, I believe that TD Bank has not acted in accordance with Regulation EI have continually been told that these items will be taken care of and they have not been. I have not received any formal response from TD Bank regarding these disputed transactions, either approving or denying my claim of Unauthorized charged as described under Regulation E.

I am a patient and understanding person but this is an extremely inconvenient situation that is having a negative impact on my daily life along with my good standing credit. I have decided after nearly XXXX  decades as a TD Bank Customer, I will no longer be banking with them.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I applied for Autograph credit card with Wells Fargo. Ive been their customer since 2016 but they still asked to verify my Id by Mail of Fax. They wouldnt verify identity by email. On XX/XX/XXXX I sent XXXX bank statements and copy of DL by Fax to XXXX. They never received it and never checked on me to see whats happening with my application. I demand to verify my identity through app or email or compensate me hard credit check. My application number is XXXX. I regret opening credit card with them!
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On approximately XX/XX/, I opened a savings account, checking account and a CD account with Capital One. I made deposits to all three accounts. On XX/XX/, they notified me my funds were not available for withdrawal. I contacted them, they said there was " unusual activity '' on my accounts, I verified all my transactions, they then told me they are ending my banking relationship with Capital One. Now, they won't release my money back to me, and I have bills to pay and they won't even give me a date when I will get my money back.
Consumer complaint received 2023-02-10
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)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-02-10
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. (MS)

I did not authorize the following inquiries on my consumer report and demand them to be removed! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (CA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX ( XXXX ) XXXX XX/XX/2023 Dear CFPB, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : FLAGSHIP CREDIT ACCEPTANCE Account : XXXX Amount : {$25000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY (SC)

I believe I leased the XXXX from Chrysler Financial about XXXX however. they came and towed it away before the lease ended, and I may have been only late on my last payment. 
When I called Chrysler Financial about the lease they kept giving me the run around about where the vehicle was or if I could get it back or renew my lease. I know I shouldn't have gotten frustrated with them. but all they said was that I owed them money. 

I never heard from them again, no letter or anything to explain the situation. They keep Garnishing my wages after all this time, since XXXX, and the amounts get higher ans higher. Know that I know it's Chrysler. the amount is now {$5600.00} from 2004 I'll never be able to keep up paying it, I've worked all my life & now being XXXX is a shame. It's been XXXX XXXX XXXX, by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX sent a copy of the filing, under Case # XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXXXXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over XXXX years and should be removed You can see via the attachments that it was already reporting as charged off and then Chase updated to reflect the same and increased the balance on a charged off loan.
Consumer complaint received 2024-03-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX, XXXX shipped a smartphone with tracking number ( see attached ). That tracking number was shown as delivered BUT no package was present. I spoke with the local US post office supervisor who verified that the physical label on the package was NOT my address ( see attached ). So I never received the merchandise. Even after numerous calls and emails, XXXX charged my checking account {$630.00} on XX/XX/XXXX for the smartphone which I never received. TD Bank would not let me dispute this fraudulent charge.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Company treated " XXXX  '' as a " CASH ADVANCE '' & did not " XXXX XXXX '' Company forced an XXXX after these transactions occurring in more than {$50.00} in fees Company has ignored previous CFPB inquiries & denied Credit Line Increase or any Credit Card based solely on retaliation & not " due to market fluctuation ''
Consumer complaint received 2023-10-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crown Asset Management, LLC, Duluth, GA Branch (PA)

I was served a civil action complaint by XXXX, XXXX XXXX XXXX who represent Crown Asset Management , LLC on XX/XX/XXXX. I answered the complaint and filed with the court on XX/XX/XXXX. I denied the statement that the last payment made on this account was on or around XX/XX/XXXX. The last payment made on this account was XX/XX/XXXX in the amount of {$270.00}. I answered the complaint with being past the statute of limitations defense. They denied my answer and came back with a reply and state the last payment was made on XX/XX/XXXX in the amount of {$100.00}. This is a false statement as I never made a payment on this account after XX/XX/XXXX.
Consumer complaint received 2023-02-02
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted XXXX  and TransUnion regarding such. Negative information was being reported, and my disputes came back for TransUnion and never for XXXX. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX - Notified there was a security freeze/fraud on my account when trying to use XXXX XXXX XXXX XXXX  XXXX XXXX 

- Phone Call was placed to Equifax at ( XXXX ) XXXX and was told they could not locate my account. They used my social security, name, and Birthday, but were unable to locate my account. I was informed it would be looked into. 


XX/XX/XXXX - Follow Up phone call to be informed I needed to verify my identity to get a potential fraud or freeze lifted by mailing a Cover Letter, a copy of my Driver 's License, and a copy of my Social Security to XXXX XXXX XXXX XXXX, Georgia XXXX. I was informed it could take a month to receive a response. 


XX/XX/XXXX - Follow-up Phone Call in regards to not receiving any response from Equifax. I was now directed to fax the same information I had mailed to the address I received on XX/XX/XXXX to Fax Number XXXX I was informed I should receive a response or the issue should be resolved in XXXX Business Days. 



XX/XX/XXXX - A fax was sent with the required information. 



XX/XX/XXXX - A phone call was placed to follow up on the fax in which I had heard no response. They could still not locate my account and I was asked again to mail the exact same information that was previously sent on XX/XX/XXXX and XX/XX/XXXX. 


XX/XX/XXXX - A letter was received from Equifax stating : 1. I have not applied for Credit.

2. I have not actively used credit in the past 10 years.

3. I do not live in the US/have not been issued a social security number.

- I have a credit card. 
- I have had my credit ran with XXXX issues since at least XXXX when I rented my first apartment. 
- I was born in XXXX served for XXXX  years and XXXX in the XXXX XXXX, so I am a citizen with a Social Security Number. 

- A phone call was placed to Equifax to follow up about the letter I was sent. I spoke to a man named XXXX. He tried my Social Security, Driver 's License, Birthdate, Current and Past Addresses, and Credit Card Number to still tell me I did not exist. 

- I informed him that I can log on to my XXXX Account without issue and can see my up-to-date Credit Report and Score. 

- XXXX informed me that starting XX/XX/XXXX, there would be a XXXX investigation period in which he would look deeper to find and resolve the issue. I was told I would receive communication from Equifax either from himself or another employee by phone call or email. 

I have still not received any communication.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.