davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Equifax has denied me access to my credit report both online and via the phone, with proper identification. 

They also had access to personal materials, and a personal phone went off during my call. This is unacceptable and a violation to my personal data protection.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I received a call from National Credit Adjusters concern a debt with speedy cash. I'm not aware of any debt with the company, nor did the stated SSN belong to me. I'm requesting immediate removal from my credit report due to erroneous reporting.
Consumer complaint received 2022-12-28
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (SC)

On XX/XX/2021 Medical Data Systems I added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am recieving purchase confirmations for a card in my previous name with a different address. 

Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX  I tried to have the purchases cancelled however noone seems to know how to do that. here is the order information delivered by XXXX/XXXX  after I notified both of them. 
Purchase Date : XX/XX/2021 Order Number : XXXX Total : {$76.00} Payment Details XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX {$76.00} Order Summary Product Total {$69.00} Charges Shipping FREE Sales Tax, Fees & Surcharges {$6.00} Order Total {$76.00}
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2020 at XXXX, I made a cas @ h deposit of {$600.00}, the ATM took and held the funds but they were never deposited to my account, received an error message stating that the ATM could not process cash deposits at the time, it printed a receipt instructing to call the on XX/XX/2020, bank to confirm the the deposit was made to my account, since according to their automated system the bank was closed Saturday XX/XX/2020 when I called right after the incident, and called back again in XX/XX/2020 but the bank was closed too, the bank stated the the funds were not deposited to my account, so submitted a claim, called the bank today to follow up with the claim and the banks has closed the claim starting that the technician did not find any funds in the ATM, and are not willing to reopen the claim or investigate further to solve my issue.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Total balance : {$780.00} acct # XXXX {$780.00} Balance updated XX/XX/2021 2021
Consumer complaint received 2020-04-10
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 (PA)

TD Bank Notified me by email immediately that my card was used in two fraudulent transactions. I immediately confirmed that they were not purchases made by me. I did not go to the those places of business and that two out of state {$.00} transactions occurred prior to those fraudulent transactions.

Subsequently, after letters and calls, TD Credit denies my claim and said " I was responsible for paying the money on both charges. '' Their appeals department denied my appeal without sending me any letter or notification.

After numerous calls, I was told a Supervisor would get back to me. I never received any return call from a Supervisor.
Consumer complaint received 2023-05-15
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 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I financed a XXXX XXXX through credit acceptance with XXXX miles back in 2016. The car sales price was around {$10000.00} of the car lot at a payment of approximately {$500.00} a month. What I didnt understand was how high the interest rate was on the loan its somewhere about around 25 %. I payed on the vehicle for two years straight no late payments and fell on hard times and I did not understand the terms that were given when the loan was originated and the vehicle was repossessed. They then auctioned off the vehicle for {$2000.00} and got an order to garnish my wages for {$12000.00}. That more then what the car was worth when I bought it. The vehicle also needed a new transmission and which was a {$3000.00} repair and made it it impossible to drive. I then had to pay for an attorney to stop the garnishment and had to pay {$200.00} a month. I cant afford {$200.00} a month because I still need transportation.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (FL)

I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.
Consumer complaint received 2021-10-19
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NM)

I was notified by credit reporting that their was a negative entry on my credit report. I am a member of all three reporting agencies in addition to XXXX XXXX  XXXX provided to me by United States Government. I found that this company was reporting a collection for a ( Open ) account with my electric company. I had already worked this out with XXXX my electric company. I am paying them. 
I had Never received any thing from this collection agency until I filed a complaint with NM Attorney General Office then a couple weeks later I received a two line letter from collection company. I have NV Attorney General and NM Licensing & Regulations investigating. All this collection company did is Laughed about Attorney General.
Consumer complaint received 2021-10-19
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. (MD)

XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX was closed XX/XX/2013 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.
Consumer complaint received 2021-10-19
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-28
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)

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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE BANK USA was reporting on my credit report from XX/XX/XXXX XXXX XXXX when I the consumer realized that they were reporting ; I had them removed from consumer agencies such as XXXX XXXX XXXX and XXXX due to them not being able to submit documentary evidence. They have been sending me debt collecting letters via mail and email till this day even when they don't have documentary evidence which they are in violation of Title 15 U.S. Code Subsection 1692c. Communication in connection with debt collection and 15 U.S. Code Subsection 1692d. Harrassment or abuse. And Title 15 also states that the creditors need the consent from the consumer in order to contact them which I never consented.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a XXXX account for approximately {$550.00}. I have reached many time to XXXX asking for information to prove this amount is owed and received nothing. They must have a statement or a contract if this is owed but they dont have anything. 

I have requested that Experian credit along with the other credit bureaus to delete this as it is not accurate but this account still remains on my account. 

This doesnt not belong to me and I need to stop reporting to credit report as it had caused me many high interest cards and loans Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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: Duvera Billing Services, LLC (GA)

Greetings, I would like to file a complaint against Duvera Billing Service. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Fraudulent checks being cashed against my chase checking account and no ability to get refunded from the Chase Bank. Called ( XXXX ) XXXX on XX/XX/XXXX was put on hold for 1hr 41min with no answer. Called the local branch on XX/XX/XXXX, they told me only option was to call the above number. Called ( XXXX ) XXXX on XX/XX/XXXX, received a call back and talk to a representative, they said they needed to put me on a brief hold to verify my account, put me on hold for 20 min then disconnnected me. To date, they have allowed {$8000.00} in fraudulent checks to be cashed against my account despite claiming to provide a zero liability guarantee. Additionally, I went online to enroll in check monitoring to provide additional security go forward as recommended by the branch, and when I tried to setup on XX/XX/XXXX received a message " This part of our website is not currently working, please try again later '' ; tried 3 times, none worked.
Consumer complaint received 2022-12-28
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. (NJ)

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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (WA)

XXXX XXXX XXXX continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a PayPal credit though Ive never used that in my life and on XXXX occasions ( most recently being today XX/XX/2021 ) PayPal confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for PayPal credit ~ which wouldnt happen if I had been sent to a collection agency for PayPal credit being unpaid... 

The XXXX company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over 800 for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with Transunion representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter dated XX/XX/2021 from Chase to close my credit cards ending in XXXX and XXXX. The reason was I had a previous account closed and no other reasons. I've used my account for nothing but personal transactions and do not understand why a previous closure would affect my new accounts.