davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc. (GA)

XXXX continue to put that I owe them on my credit report. I have told them over and over it is not me. They removed it from my credit and then sold the account to XXXX that put the item on my credit and XXXX added it back also. Now both of the items are on my credit and they are not mine. This has been since XX/XX/2013 in Alabama and I moved to Georgia XX/XX/2013. This is not my account and they will not remove it.
Consumer complaint received 2021-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Payment Corporation (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021, I made a transfer of {$250.00} from my savings account which is linked to my checking account, and set with direct deposit from my job. TD Bank illegally charged me a fee of the amount of {$35.00} because I did not have the funds, without taking into consideration that my accounts are linked. 

In addition, they should take into consideration that we are in a state of emergency due to the pandemic and my hours from work have been cut as well. 

Please, I want my money back.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute incorrect information that continues to be reported on my Equifax credit report. Despite my efforts to rectify this situation, the inaccurate information remains, which has adversely affected my ability to acquire new credit and purchase a home. 

I have previously sent Equifax a police report, an FTC document, proof of my address, a research request document, and a personal letter, all via certified mail, clearly stating that the information they are reporting does not belong to me. Despite providing these documents, the incorrect information continues to appear on my credit report. 

The persistence of this incorrect information on my credit report, despite my attempts to rectify the situation, indicates negligence on the part of Equifax. This negligence has had a significant negative impact on my financial endeavors, particularly in my attempts to acquire new credit and purchase a home. 

I kindly request your assistance in investigating this matter and ensuring that Equifax corrects my credit report. I am hopeful that with your intervention, this issue can be resolved promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} 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
Consumer complaint received 2021-02-06
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. (NY)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. This is causing me financial and emotional stress and I believe something must be done regarding this situation. I demand these accounts be deleted immediately or I will file for litigation due to the stress that XXXX  and Equifax has caused me.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. Companies below has violated my rights. 

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an 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 2021-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NY)

I received a debit card from Chime in the mail. It looked like an advertisement but decided to call them to confirm it wasnt fraud. They advised that someone with my name, address date of birth, social but different email opened an account. 

They flagged it as fraud but wont give over the source of the direct deposit ( so I can contact that person ) or the person email address so I can give it to the police. 

They allowed someone to open an account with insufficient identification ( no ID, no copy of social ). They do not have controls in place.

They also do not have a way to speak with someone. All correspondence is via email or the app. They wont speak to me unless I email them a copy of my license ( I don't trust them with my personal information ). 

Let me know if you need the account or routing #.
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (GA)

I pay my car note every other week. Last year they started applying my extra payments as principal only. I have to reach out to them every other week about my {$190.00} payment to be reallocated towards the next car note due. I asked for the latest payment to be reallocated and they said you can't pay more than 3 month 's in advance. I asked if they were refusing to reallocate the most recent Payne from XX/XX/XXXX and they will not give me a clear answer in writing. I have always had my car note paid at least 2 month 's in advance because you never know what will happen. The car note has been paid in advance since 2017 when the loan started the last year of service has been awful with them changing the terms and conditions in the middle of the loan.
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc. (MS)

A woman I dated 35 years ago died Her daughter contacted me asking for help. I agreed to help her and paid XXXX for a down payment on a car for her. I somehow ended up on the contract? I have never seen the truck and I live in Mississippi and the truck was bought in Texas. I never agreed to cosign a loan and I have for 31/2 years asked for a copy of the loan documents to verify my signature. Chrysler has repeatedly lied and failed to send me a copy. But it shows up as a cosign on my credit report. I filed a dispute with the credit reporting agencies but the say it was verified. I have never received a copy of the contract! I do Not believe I signed it and need help. Can you assist? I do not understand how they could verify the debt without verifying my signature. Also if it is verified Why has Chrysler refused to send me a copy so I can verify the signature? I believe my signature to be false. I do Not remember signing anything except an agreement to pay a additional down payment of {$8500.00} I had already sent the girl {$1500.00} to pay down on a car. I believe this is a fraudulent loan and I am requesting a copy of the loan documents for verification. Thank you in advance for your help.
Consumer complaint received 2021-06-26
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. (PA)

In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have been making additional principal payments Mr. Cooper since 2018. I noticed in my account that they chose to reverse my principal payments and apply them to my monthly payments instead, upon a phone call to the company they suggested that if they were to fix what they have done to my account then I would be behind and foreclosed upon. I need some help please. These people are clearly scamming me taking my money and not willing to address the issue
Consumer complaint received 2024-03-14
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. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX XXXX XXXX : account XXXX XXXX XXXX  : account # # # # # XXXX XXXX XXXXXXXX XXXX XXXX : account # # # # # # XXXX XXXX XXXX XXXX  : account # # # # # # XXXX XXXX XXXX  : account # # # # # XXXX XXXX XXXX : account # # # # # # EQUIFAX has unauthorized information that remains on my credit file. I would like to file my CFPB complaint formally. 
I am writing to provide notice of these unauthorized accounts on my credit report. I have no knowledge of these accounts as they are not mine. I have been a victim of identity theft. Please remove these inaccurate unauthorized accounts from my report.
Consumer complaint received 2021-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, XX/XX/2020, andXX/XX/2020, I have sent Transunion multiple dispute letters via the U.S Postal service disputing information on my credit report that is incomplete, and injurious. I have never received any correspondence from Transunion pertaining to my disputes that I have sent. No results of any investigation ever being done. This information reported on my credit by Transunion does not meet FCRA requirements. XXXX XXXX, is no longer in business and their portfolio was acquired by XXXX XXXX. XXXX XXXX has indicated in a letter faxed to me that the account is PAID and with a {$0.00} balance. Payment history is inconsistent, payment status shows the account is 120 days late when the account is closed with a {$0.00} balance, the date in which the account was first opened is inaccurate, date last active and date of last payment is incomplete. This entire account is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-02
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. (GA)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX Bank of America went into my account and took XXXX out of my corporate account XXXX XXXX XXXX XXXX XXXX. The last time we spoke was in XX/XX/XXXX. I explained to them that my income had decreased by 50 %. The president had broken all trading agreements with XXXX, New Mexico, and XXXX. As a result, the trucking was hit hard. I was struggling just to pay bills of necessity. Then, the pandemic shut everything down. I was off from XXXX through XXXX. During this time, I noticed the balance was XXXX. They had charged it off. I started back working in XXXX. I was way behind on my mortgage and in trying to maintain a truck that had been sitting for over 6 months. I began working diligently on trying to catch up on my mortgage, truck and trailer repairs. I began to save money for tires on the truck and trailer because everytime I would travel, I would have to pay road cost for flats which drastically affected cost. As I was able to stack a few dollars for this purpose, they went into my account and took XXXX. Can you please help me? I thought that the federal Gov. placed a moratorium on these types of practices during this pandemic.
Consumer complaint received 2021-02-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MI)

Lived in a apartment sec8 XXXX Houseing commission moved me in I had mov out it went into abatement it was not liveable the sec 8 stop rent payments and moved me I dont owe them the government does that is who make my rent payments thank you. It was 6 years ago I am still on sec 8 now
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (MI)

The SHEFFIELD FINANCIAL appears to be a charge-off account with a specific balance of {$17000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the XXXX, XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2021-02-07
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: Premium Credit Bureau (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : PREMIUM CREDIT BUREAU Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear PREMIUM CREDIT BUREAU This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PREMIUM CREDIT BUREAU Made on : XXXX XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I did not authorize, consent, nor give permission for charges and transactions incurred on my Capital One account # XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-28
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. (PA)

I.m disputed Experian Bureau on misused my credit score and not removed the other inquiries that was done in error... .and action need to be taken ... .to update my credit score important ....