davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of XXXX LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.
Consumer complaint received 2021-11-19
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: NAVY FEDERAL CREDIT UNION (TX)

After careful investigations on my part and with the help of law enforcement it has been revealed that XXXX in the fraud department at Navy Federal Credit union is leader in the credit card scam going on at this company where they mail memebers credit cards to their friends and they make unscrupulous charges then refuse to investigate these charges and the consumers are stuck to pay these bills. This is disgusting and reprehensible. They are defrauding all these members to make a buck for themselves and they should be ashamed of themselves.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

A fraudulent wire transfer had occurred on XX/XX/2021 of {$60000.00} to a recipient that I do not know in XXXX, Florida. I can provide more information upon request. I did NOT authorize this wire transfer nor do I know the recipient. I believe that my online banking account has been compromised and that money was wired from my account without my knowledge. I was first notified by my father of the fraudulent wire transfer and immediately contacted Chase Fraud Claims to stop the wire transfer and to try and freeze my account. Claim REF # XXXX. The next morning, I went to my local Chase bank to fill and submit the requested Forgery Packet for my claim. I was told by the bank teller that there was still ongoing activity of a {$20000.00} money transfer from a family joint account and an attempt to wire another {$30000.00} from my personal account of which was blocked due to the account being frozen. I called Chase Fraud Claims again to notify them of the unauthorized transfer I have since changed all my online banking information and filed a police report with XXXX XXXX Police ( Report # XXXX ) in hopes to stop all activity and protect my identity. The fraudulent wire transfer needs to be reversed as it was NOT authorized and should have been flagged due to limits on the account. I have never wired money from this account and this is an act of wire fraud. I have followed all instructions and cooperated with Chase by filing an affidavit, notary, and police report to progress the investigation. Each notice that was sent to me, I always contacted Chase in a prompt and timely manner. This was after I called several times to follow up, but they would never update me. After finally getting an update, Chase deemed that the " wire recall '' was unsuccessful, and that they can not get my money back. They have tried this attempt a few times. This should have been done the day of, not several weeks after the fradulent transfer. I never received a temporary credit to my account while this investigation was ongoing. I was told by Chase that this would be resolved in 5 business days, yet I was never updated at all. Please feel free to reach out if you need any further information.
Consumer complaint received 2021-11-19
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00} XXXX XXXX Owed : {$160.00} Date Opened : XX/XX/2021
Consumer complaint received 2022-12-17
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. (SC)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-11-19
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: ALLY FINANCIAL INC. (GA)

I have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, Ally Financial XX/XX/2021, XXXX XX/XX/2021 2021
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Nicholas Financial Inc. (IL)

15 USC 1681 Section 602 States I have the right to privacy.! 5 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (LA)

I was a cosigner on a loan and the main person quit paying the note and I was unaware and before I knew I was getting a repossession letter in the mail and this was during the pandemic and they repossess the vehicle without even give me an option to do anything when I found out it was already too late they said
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (CA)

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 name : # XXXX XXXX family support 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 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 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Acceptance Corp (ID)

Merchants Acceptance Corp phone : XXXX address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX The last person I spoke with was " XXXX ''. They filed a lawsuit beyond the statute of limitations and won a default judgement ( I had to work on the day of court ). Long story short... they won. The problem is they are now reporting the account as open and intentionally tanking my credit score as a retaliatory measure. 

XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

The credit bureaus Equifax, XXXX and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.
Consumer complaint received 2018-09-25
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. (NC)

XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On Equifax the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery Services is repeatedly contacting me to collect a debt owed by " XXXX XXXX ''. I have informed Ad Astra Recovery Services that I am not " XXXX XXXX '', and that I do not know " XXXX XXXX '', but they continue to leave messages on my XXXX XXXX account.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCT. # 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.
Consumer complaint received 2021-11-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (CA)

I suffered a massive XXXX in XXXX. My wife has been handling our families finances. In XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from XXXX  or experian. Im unable to answer security questions because they dont pertain to me. Please help
Consumer complaint received 2022-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from capital one in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in capital one that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with capital one credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with capital one credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with capital one for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX XXXX  XXXX XXXX XXXX brought the debt from capital one.I placed over several disputes with XXXX XXXX XXXX XXXXXXXX, XXXX regarding the fraud on my capital one account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by XXXX XXXX with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (SC)

US Bank keeps sending me unsolicited emails, spamming me of all kinds of offers and advertisements that I have absolutely no interest in. Also, their email doesn't contain an unsubscription link. This is very intrusive.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

XXXX has a secured credit card program that states if you make your payment ontin and no adverse usage the card will become unsecured and an increased credit limit will be applied. I open a secured card with XXXX and made payments on time never lat no over utilization a FICO score of XXXX with no delinquency in my credit history. 

I was congratulated by XXXX for my management of my account and they upgrade the card to a unsecured.They did not increase my credit limit I was told they would like to see how I pay the same credit amount to consider an increase in the credit limit. This is contrary to the promotion that they offered. A friend who referred me to XXXX had negatives and adverse info on his credit history but after doing the same secured promotion he was given an unsecured limit of 1000 % and was never asked to show how he would pay the unsecured credit line before they increased the unsecured credit limit. This is discrimination and this is unacceptable.I spoke to a supervisor by the name of XXXX XXXX in XXXX credit operations.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have calles all three of the credit bureaus but I keep getting hung up on when I try to get the fraud department and get these alerts removed. I have missed out on getting my apartment and I really need these alerts removed so that I am able to secure another apartment before my current lease is up next month
Consumer complaint received 2018-09-25
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: Navient Solutions, LLC. (FL)

I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX  and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Consumer complaint received 2021-02-12
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: Continental Services Group, Inc. d/b/a ConServe (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-11-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

Experian is not reporting correctly, I have to credit card tradelines on my credit profile, XXXX XXXX XXXX XXXX both XXXX XXXX XXXX are reporting positive and accurately. I have reach out to Experian asking them to update their reporting but it has been over 90 days and I have had no response. 
Please start and investigation to have my credit profile corrected. 

Thank You
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity .

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-09-25
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. (TX)

FEDERAL STUDENT LOANS are on only one credit report ( Equifax ) but has been removed from XXXX and XXXX. Equifax was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and Equifax has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.