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

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 convergent account number # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX BANK Account number XXXX Has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c a 5 sections 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 7 years 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 2023-07-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a car loan with Bank of America in XX/XX/XXXX and fell behind payments for several months due to illness. I called Bank of America in XX/XX/XXXX to requested car loan extension but got declined. They repo the car in XX/XX/XXXX. After that I never heard anything from them. The loan account info is no longer available on my online app ( that where I get the info from ). I never received any letter or phone called about the car loan debt and what they did with the car. Because I was home less and no job due to health issues. I made some money from XXXX XXXX XXXX on XX/XX/XXXX. Money deposited into my account on the XX/XX/XXXX and then Bank of America illegally took {$10000.00} from my account on XX/XX/XXXX without my consent. Because I never received any explaining letter, email, phone calls about the debt collection after they repo the car. The debt information is never available on online app for me to see. I talked to them on the morning of XX/XX/XXXX and asked them to return my money but they declined. Its illegal to take my money without my knowledge about the debt. I dont know how much they sold the car and how much I still owe them because I never received letter, email, phone calls or online app. I dont have a home that is why I cant receive the letter, I changed my phone number but I was updated on online app. They should send me an emails or provide the info on online app so I can see them and make an arrangement to repay. Its illegal to take money from me without my knowledge or consent. Please return my money and info me how much I owed and I can make arrangements to repay. Thank you XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-28
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. (MD)

XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in  XXXX   2017 , with the subsequent  three mo nths showi ng 30-60-90 da ys late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017 )  showing no amount due and no late payments. The  XXXX   2017    statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencie s ( Transunion,   XXXX   XXXX   XXXX   ) was  to remove the single 90 day late for  XXXX     2017 f rom credit report and not remove th e 30  and 60 days late for  XXXX  and  XXXX     2017 on  the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

I dispute the ownership of National Credit Adjusters Accounts XXXX and XXXX. Despite repeated disputes, the credit bureaus haven't provided the original credit application with my signature. They verified the information without proper validation. I demand the immediate removal of this misinformation. If not rectified promptly, legal action will be pursued. Contact all three parties involved. Thank you.
Consumer complaint received 2023-09-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (WI)

CREDENCE RESOURCE MANAGEMENT DEBT OF {$250.00} WAS ADDED TO MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX AND THAT HAS BEEN SUBMITTED. THEY RECOMMENED I FILE WITH THE FTC BECAUSE IT WAS NOT ME THAT OPENED THIS DEBT. I NEVER RECIEVED ANY PAPERWORK OR PHONECALLS FROM THIS DEBT COLLECTOR. WHEN I CALLED THEM. THEY HAD MY SSN AND DOB ONLY. HOWEVER, THE EMAIL ON FILE THEY HAD WAS MY EX 'S WIFE. LEADING ME TO BELEIVE SHE OPENED THIS WITHOUT MY CONSENT UNDER MY NAME.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

I have been attempting to get {$10000.00} from a loan that I already paid to Edfinancial Services refunded to me. I called to request this refund on XX/XX/2022 and was told that my refund was being processed and that I would see the money added back onto my balance shortly. As of today ( XX/XX/2022 ) I had not received any correspondence from Edfinancial Services, so I called to check on the status of the refund. I was now told that they could not give me a date or even an estimated date of refund.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank uses its bill-payment system to defraud customers. 
On several occasions, I have requested payment for a mortgage account to be made from my checking account through Chase 's automated payment system.

In all cases, Chase immediately takes the requested sum of money, {$4000.00}, {$3500.00}, etc., out of my bank account -- but the mortgage company is never paid. 
Chase always has a very stupid excuse for this non-payment happening, even though they immediately take possession of my money. 
On top of this, I have been charged late fees of {$160.00} by my mortgage company for non-payment by Chase.

This has happened three times now, and as of today, a mortgage check that was supposed to be paid by XX/XX/23, yesterday, has not been paid, even though my funds we taken on XX/XX/23. 
I believe Chase Bank is committing customer and banking fraud under the guise of ineptitude.
Consumer complaint received 2022-06-01
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. (TX)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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 2024-01-23
Product: Credit reporting 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. (GA)

This Inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX dated XXXX, XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXX  dated XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  dated XXXX, and XXXX XXXX XXXX dated XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2022-12-30
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. (FL)

My attached Experian report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to Experian. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by XXXX. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. Experian and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.
Consumer complaint received 2020-04-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

on XX/XX/20 I applied for Forbearance due to covid 19 with my mortgage company New Rez. On XX/XX/20 I received a letter from Shellpoint mortgage servicing stating I was accepted and to call them. On XX/XX/20 I spoke on the phone with XXXX XXXX, phone number XXXX. She stated they could offer me 3 months forbearance with a lump sum due at the end of those 3 months. I explained to her because I have a VA loan the CARES act required a 6 month forbearance and they were encouraged to put the missed payments at the end of the loan. She said they did not have to offer the 6 months and all they would offer was 3 months with a lump sum. This is obviously useless since if I cant pay my mortgage now how will I pay 3 months of it in a lump sum. I withdrew from the forbearance program.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My student loans were transferred from XXXX XXXX to XXXX and then were paid off via pslf. XXXX does not seem to exist as a company anymore and its impossible to contact them. My old XXXX  account is still showing up on my credit report as being open with a balance which is incorrect
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (IA)

I received another call today from this company, they left a voice mail. They called at my home number both this time and in the past. They called at XXXX XXXX  on XX/XX/2022. Their call back number is XXXX. The called ID number was XXXX. The keep calling about a " Milestone '' account. I do not, and have never had an account with them and they have been unable to find me in their system by social security number. I have called them multiple times now and each time the agent says it is a mistake and they will remove the number but I keep getting calls from them.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), moreover I was never 90 days late ( XX/XX/XXXX, XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (NC)

LTD Acquisition, LLC is attempting to collect an old debt that was paid off. The debt owed to XXXX XXXX card issued by XXXX XXXX XXXX XXXX  was paid in full. 

I was issued a new credit card by XXXX XXXX after I paid the old credit card debt off. 

LTD Acquisition, LLC, recently added a {$660.00} collection debt to my credit portfolio. 

The original debt was a paid charge off.
Consumer complaint received 2022-11-04
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. (TX)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX .... Tx XXXX XXXX XXXX .... XXXX XXXX .... Original CreditorXXXX XXXX... 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. 15 U.S.C 1681 c. ( 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 1681 s-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 2024-01-23
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

BMO recently acquired Bank of the West ; during this process, all the money transfer methods ( XXXX, XXXX, bank to bank transfer ) are blocked, thus, the bank can not accept any type of incoming money to the account. 
This is a huge problem as I have multiple funds that can not be credited into my account unless its a check or cash????? ( Which is another issue as no one uses check anymore and none of my client pay in cash ). Their physical banking locations are not near me, and the ones that are ( over one hour away ), the bank operation hours are very limited. 
How can a bank REFUSE customers to make deposits? I have over two months of income ( ~ {$15000.00} ) that the BMO have turned away, and with all the bills on autopay, I am about to go into overdraft! 
I have contacted BMO online and on phone regarding this problem, and have verified my identity multiple times to lift the hold. Every time I call, they said it will take 3-4 business days to clear, yet its been almost 2 months, and my account is still on " hold ''. 
Furthermore, BMO is making money from the customers by purposing not fixing the glitch. 
In the two months of me contacting them, BOM had not made any effort to correct this issue or provide update or solution to this. It is clear the system is having glitch and at the same time collecting fees from their inadequate system glitch. 
I would close my account with them, but I cant even verify that I am the owner of the account.
Consumer complaint received 2023-05-30
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. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
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. (NE)

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.

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 2022-11-06
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: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.