davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
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. (MI)

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

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 2022-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Got the loan XXXX  XXXX XXXX XXXX XXXX XXXX CA bank of America they took tax returns money from paychecks but after 20 years and I paid what they asked of me they paid for an apartment books and bus pass they scammed us to sign for student loans for certain classes the class I took was for electrical coding the school made excuses on the instructor and i had to forfeit my loan and leave XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited {$1000.00} cash ( XXXX {$100.00} bills ) at a Chase drive-thru ATM on XXXX XX/XX/2023 at XXXX XXXX and the machine did not reflect the deposit. The ATM was functional until after it took my bills, the screen showed a spinning circle, then it gave me a receipt that directed me to call their XXXX phone number. I parked and went inside the physical branch and informed a teller, who told me to call the XXXX number because the ATM is handled by a third party. I called while in the branch and spoke to a customer service person named XXXX. He said my deposit will be reflected in 2 hrs or up to 1-2 business days. 

I called again in the afternoon because the deposit hasnt shown up and spoke to both XXXX from XXXX department who transferred me to XXXX in XXXX department. They both told me it could take up to 48 hours for the deposit to show while they investigate. 

I checked again this morning and still no deposit. This is absolutely unacceptable since the bank has a person who empties that ATM and has seen the discrepancy yesterday, in addition to their security camera that had to have recorded my money going inside the machine. How can the bank get away with keeping my cash- not check - deposit for days? 

Please help me get my {$1000.00} back as soon as possible. The Chase bank address this occurred is XXXX XXXX XXXX, XXXX, TX XXXX. The receipt shows Term ID : XXXX with Sequence XXXX. Thank you.
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

LoanCare admittedly forgot to pay my homeowners insurance and after we straightened it out, they still deducted another premium ( double what my premium is ) on top my my insurance premium for them to get their own insurance, even though I had insurance. Repeatedly told it was their mistake and would be fixes, still deducted the additional {$2200.00} premium for their insurance so my escrow is negative and my monthly payments will be {$200.00} higher. Of course, if I do t pay, Ill be penalized. The WORST customer service I e ever experienced and I keep getting lied to and nothing is getting resolved ... for their mistake. I have 20 phone calls and 15 hrs trying to straighten this out. Theyre impossible!
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC (OK)

Never heard of this company until today. Not sure why theyre calling me multiple times without leaving a message. Heard they are scammers collecting from the dark web to harass people for money. Will call family members and employment for personal information pretending to work for the government or courts. Not to mention using spoofing tactic or phishing email to track you.
Consumer complaint received 2023-01-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (VA)

NCB Management Services , Inc had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' NCB and XXXX XXXX violate this act when my information was illegally obtained without my verbal or written consent.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

Experian failed my requests at removal, made mochery of my credit report, and added things to my statement that I did not authorize, most recently on XXXX without my consent, authorization or permission. 

They also won't remove the following information in the enclosed attachments.
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (GA)

The attachment shows multiple contacts to the collection agency finally resulting in the removal of the unverified account. There is also a screenshot of my credit monitoring report showing that Equifax is the only bureau still reporting the account. My name is not accurately reporting as XXXX XXXX XXXX. Also, none of these addresses have been verified XXXX XXXX XXXX XXXX, XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL,XXXX- Nor these inquiries XXXX Type : - - XX/XX/XXXX ; XXXX Type : - - XX/XX/XXXX.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4900.00} 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 XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  Balance : {$830.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX AT XXXX XXXX ) XXXX Balance XXXX {$4900.00} 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 2024-01-04
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX, Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-01-05
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. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and update or remove them immediately : 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 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (FL)

I purchased a Vanilla Visa Gift Card in-store at XXXX 's XXXX XXXX for {$200.00} + {$5.00} activation fee. on XX/XX/XXXX at XXXX in XXXX FL as a wedding gift to the family member 's wedding. The bride later told me that she attempted to use the gift card however it showed that it was not activated at the register by the store. I contact XXXX to advise the gift card was never activated and they told me to reach out to Vanilla Visa directly. I contact Vanilla Visa who further explained that they could not confirm that the gift card I purchased at the store was the same gift card that was never activated. I told them I can provider proof that I purchased the gift card in store however that did not seem to matter to Vanilla Visa. 

I, then, filed a dispute with my bank XXXX XXXX in order to recoup the {$200.00} + {$5.00} that I lost for an ineffective gift card. XXXX XXXX denied my claim as they stated XXXX confirmed the purchase. I contact XXXX XXXX on XX/XX/XXXX further explain that while it is true that I did, in fact, purchase the Vanilla Visa gift card at XXXX, the store never activated the gift card thus rending the gift card useless & ineffective. 

Vanilla Visa recommended I contact XXXX. XXXX recommended I contact Vanilla Visa. And my bank XXXX XXXX is doing nothing to help. I don't believe its right for me to be scammed out of {$200.00} + {$5.00} activation fee for a gift card ( which is now just a piece of plastic ) because these companies refuse to take ownership. This seems to be a common issue.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated last XX/XX/2022, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (TX)

I recently contacted equifax and XXXX & alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!!
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} ; 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/XXXX
Consumer complaint received 2023-06-08
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. (AZ)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2023-02-23
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. (FL)

My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX  status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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  Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account Number: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.
Consumer complaint received 2022-09-30
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$430.00}
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Thursday, XX/XX/2022, I mailed three checks by putting them into the mailbox outside of the XXXX XXXX XXXX XXXX. 

Check # XXXX was made out to my sister XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 

All three checks were signed by XXXX? ( XXXX XXXX XXXX  and deposited into his or her bank account at Bank of America, and the money was taken out of my account on XX/XX/2022. 
I do not know the place and bank account number where the money was deposited because in the three months since this occurred I only spoke to a person from Bank of America the day the money was taken from my account and Bank of America recognized this as fraud. Since then, I have never received a call back from anyone even after numerous calls to Bank of America. I have only spoken with those who answer the phone or someone who can not give me information on the case, and each time was told that someone would call me back but that has never happened. All I have been told is that Bank of America has the money, but it has not yet been returned to me. The XXXX number from Bank of America is : XXXX. 
My bank, XXXX XXXX XXXX, filled a report against Bank of America on XX/XX/2022 and has not yet received a response from them.