davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (FL)

in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer that the information is inaccurate.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

I recently lease a nail shop down in XXXX XXXX and i have heard good things about chase business account so i decided to open a checking account with them and planning to open a business account with them when i m done moving down to XXXX. So i decided to deposited XXXX dollars in cash when i first open my account. And after a few days, chase decided they wont do business with me and holding my money XXXX. Also i was going to use the fund to order chairs and a lot of things from XXXX. Ot usually take over a month for items from XXXX to deliver to the XXXX. And now because chase has been holding my money XXXX, and doesnt give me a specific time as when they will release my fund. It takes me longer to open my business and thats really hurt me. I need chase to release my fund so i can start paying for items i want to order from XXXX.
Consumer complaint received 2019-12-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (MA)

I received an email this morning stating that I was now enrolled in direct debit by AES to repay my student loan. Someone at AES broke the law as I never agreed to a repayment plan in the amount listed, I never signed any repayment agreement for the amount listed, I never consented to be enrolled in direct debit. Someone at AES committed a crime by using my bank information to take money out and direct the funds to AES. I have contacted the FBI to investigate and prosecute whomever conducted this illegal activity and authorized the illegal activity.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (CA)

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, # XXXX ATM was used to check the card balance charging {$3.00} ATM fee. Then withdrew {$500.00}. Then another card balance charging another {$3.00} ATM fee. Then withdrew {$46.00}. Immediately called ComData ( XXXX XXXX payroll card provided to me by my former employer. ) I am located in XXXX XXXX and was home when I got the text alert at XXXX XXXX. I was on the phone and reached a live agent. I reported my card lost/stolen less than 10 minutes later to find out what was going on. I talked to XXXX who did not help me. I stayed on the phone for hours to reach someone. Kept getting hung up on. I spoke to a supervisor finally at XXXXXXXX XXXX. A replacement card was ordered but never came. I was assured that she would be on the case and that she would personally be reaching out and following up with a call to me. XXXX never did. In these incidents the card holder is required to report fraud w/in 30-60 days. They told me to call back after the transaction posted and that would take approximately 7 days XX/XX/XXXX. Which I did and they said that the fraud case had been submitted. Nothing else to report but be on the look out for an email from the fraud department which never came. I called on XX/XX/XXXX to check status of the case and not one agent or supervisor said they had any access to the case. I had to call again on XX/XX/XXXX to check on the replacement card which was re-requested and came a full month later on XX/XX/XXXX. which clearly was not the 7-10 business days that they had promised. Still again speaking to several agents and supervisors who never followed up with a call back as they promised. Called on the XXXX which was the XXXX day of the investigation which should have resolved but still no information to share. Called XX/XX/XXXX to be told that an email was sent of the resolution of the case on XX/XX/XXXX which were never rec 'd in any inbox, spam, trash, junk file in my email. Call disconnected no one called back. Called in next agent said that the email was sent on XX/XX/XXXX again nothing. Agents can only repeat that they have no access or direct contact to fraud department to be able to assist with continued resolution. Spoke to supervisor XXXX who took another email address and promised that she would follow up with a courtesy call back to make sure email is rec 'd. Also advised that we contact the fraud depart and provide them with proof that it wasn't me making these transactions. Why wouldn't a fraud agent contact me to do complete investigation and resolve. I've only taken cash from and ATM in XXXX. I mostly do POS transactions. I spent the holiday season waiting patiently for no resolution, no customer service, and Why does it take 28 days for a replacement debit card.. this has been the worst experience I have EVER experienced with a so called professional card company.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

Payment was due to Self Lender credit app, which I have auto payments activated and two forms of payment set up. Primary form was my bank account ( routing number and checking account number ), and the second form way my debit card directly linked to this bank/checking account. The auto paid amount declined, which I later realized it was due to my putting in the incorrect bank information, and my debit card ( my 2nd form of payment ) was never tried. It was immediately declared a missed or delinquent payment and dropped my credit score around XXXX points. Ive been building my credit score for years m, working very hard and had successfully went from a XXXX to a XXXX, which took over two years to get accomplish. Then with this one missed payment, which I manually had to pay upon swing the dramatic score drop and realizing something had gone terribly wrong, erased an entire years work of credit building. Im a single mom, who doesnt receive court ordered child support and I work full time. Im trying my best to get a home for my son and I. But now, I dont even qualify to have a conversation with lenders such as XXXX because my credit score is below their minimum of a XXXX. Had Self used my second form of payment when my first form declined, the payment would have gone through. Theyre supposed to help build your credit. Thats there XXXX. and entire purpose of existing. All theyve done is ruin mine. Please help. Ive disputed time and time and time again to no avail.
Consumer complaint received 2023-06-28
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)

I appreciate your time to correct some of the erroneous items in my credit file ; however, there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XXXX of 2021, the XXXX  XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The Credit Union agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, Equifax, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on equifax and XXXX However, as of today it is reported late again on both equifax and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.
Consumer complaint received 2019-12-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (CO)

I received services at a XXXX facility in XXXX  XXXX, CO on XX/XX/2019. After applying for XXXX XXXX with XXXX, all of my costs were covered 100 %. I have the acceptance letter from XXXX showing a 100 % XXXX XXXX approval, as well as an email directly from the supervisor of the XXXX XXXX XXXX department showing that all debts related to this visit have been covered by XXXX XXXX and should be removed with no effect to my credit score. These documents will be attached for your convenience. 

Despite being notified of this, Americollect is still reporting a balance due of {$270.00}. This balance is incorrect and not owed whatsoever. I insist that this record is removed from all reporting agencies immediately.
Consumer complaint received 2022-09-16
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my XXXX whom I XXXX since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy.XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Consumer complaint received 2022-01-21
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. (AL)

Equifax and XXXX wrote stating that XXXX XXXX and XXXX XXXX XXXX verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. Equifax and XXXX failed to investigate by contacting XXXX XXXX.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I lost existing credit limits XX/XX/XXXX. Then applied for credit in XX/XX/XXXX and was denied both times Experian sent a XXXX  report to the creditors. I ordered a copy of the XXXX   report which had not existed on me until XX/XX/XXXX. The report says I have no credit and also list my checking account and Drivers license information as well as inquiries I never approved, I called them to get this information fixed and find out why it says no credit information and was told it was not their place to update the information how and they were an legitimate reporting agency. If they are then it is their responsibility to keep the information up to date. something needs to be done this company makes it impossible for people to improve their credit and if they gave it to an employer it would cost people jobs. It is bad enough for us to have to deal with the 3 Credit agencies when they do not update information with out them making up more of them. i can send a copy of both my Experian and this so called XXXX  report to show you the huge difference in the two of them.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MO)

Ally financial billed me for {$2200.00} XX/XX/2021 I objected to the amount and they told me it was a mistake which was a computer generated invoice and said they would send a corrected amount. 
They then sent an invoice for {$950.00} without any breakdown of charges. 
I called and asked for the detail and was it would be mailed. No detail invoice was ever provided. They began harassing me with collection calls and I repeatedly asked for a detail invoice. This went on for quite a period of time. Eventually they said they would email the invoice and on XX/XX/XXXX they invoiced the original incorrect invoice in the amount of {$2200.00} They continue to make harassing calls and refuse to provide a breakout of charge. 
In one conversation the agent said I owed some personal property tax and daily charges for the turn in date after lease expiration but the dates don't coincide with the actual return date. I was told I could email XXXX. for end of lease issues and I did but she doesn't respond. I also called her line at XXXX. She does not return calls either. All of their emails come from a " noreply '' account so I can not communicate to them via email. 
I would like to resolve whatever amount is due but I can not get any cooperation from anyone at Ally. Your assistance will be appreciated. Ally financial should be suspended from providing any financial services to the public.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!
Consumer complaint received 2022-11-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-26
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. (GA)

My parents closed an account that was opened to pay off a car. My name was also on the account but the credit card was never used, they were just advised by the bank ( XXXX ) that the line of credit was necessary to open the account to pay off the car. Again, no credit was used and the credit card was never charged, so the account had a XXXX dollar balance for roughly five years. They closed the account on XX/XX/XXXX and my credit report was updated yesterday, showing a deduction of 108 points.
Consumer complaint received 2019-11-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Texas Guaranteed (TX)

The Trellis Company is a collection agency that is requesting money from me that I have already paid and I have records to prove it. There was one other collection agency which was XXXX XXXX and they passed it to Trellis Company. Trellis Company took funds from my Social Security. I sent letters to them and they still continued to sent threatening letters to take my wages and any other monies. I think this is fraudulent and I'm willing to believe that other people have had this done to them. I am willing to go to court and I am writing this because this is what I am told to do at this point. 
I would advise anyone with a school loan to save all of their paperwork.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

<This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> XXXX : Inquiry : : : XX/XX/21 - To Remove from Transunion XXXX XXXX Inquiry : : : XX/XX/21 - To Remove from XXXX XXXX : XXXX  XXXX XXXX  Balance to be UPDATED as of XXXX XXXX >> ( {$160.00} ) << / Currently left at XX/XX/XXXX ( {$460.00} ) *** Please fix this as my score should be higher than what it is *** XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - Address ID : XXXX -- - Type : Mutifamily  -- - Geographical Code : XXXX ( ( ( ( ( Remove : Appeared on XXXX Report ) ) ) ) ) ================================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> DEPT OF EDUCATIONXXXX Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ================================================================== *** Please remove fraud alert from all XXXX credit bureaus until it's requested again ***
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.