davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (OK)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Section 602 A. States that 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 instruction 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

On XXXX/XXXX/202 I received a call from XXXX XXXX XXXX, XXXX, Offering me a XXXX XXXX with Zero percent interest for the life of the card. 
I received a XXXX XXXX with Zero percent interest for only Two years, not what they offered. 
I called XXXX XXXXXXXX XXXX and their number was not in service I called XXXX and they had no affiliating with XXXX XXXX XXXX. 
I attempted to dispute the charges with my credit card /Barclay and they said the charges stand because I gave them my information I am responsible even though, XXXX XXXX about the interest free card and their affiliation with XXXX .
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (HI)

- Signed a lease with a company called XXXX XXXX XXXX in XXXX, Illinois. At the end of the lease, I was charged for moving out and the outstanding balance was XXXX. I sent them e-mails requesting proof of the damages and documentation about the fees and only heard from them once but they didn't reply after that. 
- 6 months later I receive a notification from XXXX  that my account now has a collections item. 
- I have never received any phone call, e-mail or mail from the collection agency. 
- Called the collection agency and they kept putting me on hold and hanging up. 

Moving out date : XX/XX/XXXX E-mail Realty company : XX/XX/XXXX, XX/XX/XXXX Notification from XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (DC)

I went to see my doctor on XX/XX/2018 before moving overseas for 3 months for a summer XXXX XXXX. When I came back I had a letter from collection agency Receivable Management Partners LLC ( rmp ) telling me I owe my medical provider. I called my medical provider XXXX XXXX XXXX in Washington DC and they said my account is closed with them. I asked for a bill and I was not able to get one. After many attempts to my medical provider directly, I finally paid the collection agency. 

This now shows on my credit report on XXXX  and XXXX  and has dropped my credit score around 100 points. My attempts to remove it from my credit report as an error from my medical provider and non-receipt of the original bill has been frustrating and unsuccessful. I was able to successfully remove it from XXXX  report but the customer service in rmp, XXXX  and XXXX   have not been helpful at all. 

I really appreciate your help on this matter.
Consumer complaint received 2021-01-13
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)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately
Consumer complaint received 2021-01-13
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. (TX)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (TX)

I was approached by a XXXX XXXX employee with an offer to apply for a credit card. They said that I would get a {$50.00} credit if I applied today. I went home the same day and applied for a XXXX XXXX XXXX through Synchrony Bank on XX/XX/XXXX. The offer was posted online as well. I saw on my statement that they only gave me a {$30.00} credit. I called on XXXX to ask why and they said I was not approved for the credit card until XX/XX/XXXX which was after the promotion ended. Even though I applied and eventually approved they would not honor the advertised offer.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I was declined for an auto loan XX/XX/XXXX. Dealership said my Equifax file had a freeze. Multiple phone calls were useless. Equifax call center reps said I have no credit file. 
I was declined a credit card in XX/XX/XXXX due to no credit file at Equifax. More phone calls. Equifax rep escalated my issue to a higher authority, Still no help. 
I was declined a mortgage application in XX/XX/XXXX. Mortgage loan officer said underwriters claimed my Equifax file had a Fraud Alert. Mailed multiple documents to Equifax. Computer generated reply said no fraud alert. 
Many, many phone calls and letters to Equifax have provided no answers. 
Multiple escalations to level 2 tech support. 
Still no answers.
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tan Oak Financial (IA)

With COVID, I found myself in a financial bind on XX/XX/XXXX, the only option for me was to take the loan ( {$400.00} ) at 600 % from Tan Oaks Lending. My paycheck was deposited in my account after XXXX  on XX/XX/XXXX. I called the company based in UT at XXXX XXXX  PST to pay this loan off. 

The representative was EXTREMELY rude, then proceeded to tell me that the payment would not be processed till tomorrow. Upon requesting to speak to her manager, she continued to be rude and made no effort to connect me to him. The Rude Rep Ms. XXXX aside, to not process payment the same day is EXTORTION and FINANCIAL XXXX! Most financial institutions have a sane day cutoff at XXXX XXXX  EST. Further more, I was not informed that they would hold the loan for an extra day to pillage, from the struggling! 

How can the FTC and CFPB allow this, it is no wonder the poor in America are getting poor, it because of financial XXXX  like Tan Oaks Lending. If Tan Oaks Lending, their executives and management are too incompetent to have a payment processed the same day before XXXX XXXX  EST, then shame on CFPB for allowing them to be in business, still shame in the CFPB where companies are allowed to charge 600 % and upwards on a loan, how is some ever to get out such a hole. You are the government, supposed to be for the people, by the people!
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (MS)

This is in regards to a Chime card account. On or about XX/XX/2021 my account was activated and I went into XXXX and put {$400.00} onto the chime card. I used the card for two days with no problems. Then I tried withdrawing money from an atm using the wrong pin number, chime then closed my account and have not returned MY money which is over {$300.00} dollars!!!! I have sent many emails to chime in regards to my funds being sent to me via a check. Chime will only say they can not disclose any information.
Consumer complaint received 2023-01-24
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)

The XXXX account XXXX account XXXX  XXXX, XXXX account XXXX XXXXXXXX, and Equifax account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo card services has been furnishing erroneous information to my consumer report for years. They are stating that I owe a balance of {$1500.00} yet they have sent me a XXXX dollar check and have been unable to explain the reason for sending me a XXXX dollar check when I am supposedly in debt. I request that this incorrect information be removed from all three of my consumer reports XXXX XXXX XXXX and XXXX. I request that Wells Fargo reply to my affidavit of truth that I sent. Wells Fargo card services has also been using abusive debt collection practices. I request that Wells Fargo pay the invoice sent in my affidavit for all consumer violations. This is an invalid debt and it is completely erroneous and hurting my financial standings my physical health and my reputation Via my consumer report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

i had an auto loan XXXX for a XXXX XXXX XXXX XXXX XXXX. vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but XXXX had already put the account in collections and refused to changed it.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I checked on my homeowners insurance policy because I am planning to refinance. I find out that my policy was not paid through escrow on XX/XX/XXXX as required. Chase collects escrows and is responsible for this payment. They paid it in XXXX, no changes to policy/carrier/etc, but they did not pay it in XXXX. I contacted Chase - they state that they received the cancellation notice from XXXX, but never received a renewal invoice. This is suspsicious and likely XXXX  - all would have gone to the same address, and of course they received the renewal invoice in XXXX and nothing has changed. Regardless, they should have been proactive on the payment as they are the ones collecting escrows and are obligated to keep my insurance active. Chase was incredibly obstinate and unhelpful, and is refusing to refund my escrows even though they are collecting money from me without paying the required payments.
Consumer complaint received 2021-01-13
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MD)

I received an alert on XX/XX/2020 on my credit monitoring service from XXXX, that Amsher collection service place an action on my credit reports for an unpaid debt without contacting me and providing notice to potentially pay the debt. I have never received an email, phone call, or written communication from them. As a result this, has negatively affected my credit. I am asking that this be removed from my credit immediately and without hesitation. The last four of my SSN is XXXX.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Opened an online savings account with Capital One Bank. My XXXX mother is the primary on the account and I am a joint account holder with her. I manage her financial affairs. This was done on XX/XX/XXXX and the initial deposit was funded by an XXXX debit to a XXXXXXXX XXXX  account already linked to her existing credit card account. I can see this account on my Cap One mobile banking app, but it is blocked from transacting. My mother 's online access has been completely suspended. Over the course of the last XXXX weeks, we have made every effort to provide Cap One with account owner verification- sent a copy of my mother 's driver 's license to Cap One. She confirmed that I am an authorized joint account holder. At that point they said they need to confirm the funding bank account with XXXX. That was a whole different odyssey that got us nowhere. I ended up going into a XXXX branch and secured a written account verification from the Asst. Bank XXXX. I called Cap One back earlier this afternoon ( XX/XX/XXXX ) to say I had the XXXX XXXX. I was met with unyielding resistance that I could not be spoken with, despite the fact that only a week earlier my mother verified her identity and authorized me to transact on her behalf. She is XXXX XXXX XXXX and does not understand why this has taken so long, been so hard and is yet to be resolved. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but am at a loss for words as to why this simple, low-risk transaction is being met with so much resistance to common sense. I have resorted to requesting that the funds be returned to the originating bank and this new account closed ; only to be told that's not possible. At the end of the day, this is not a great sum of money, but it's important to my mother such that I felt the complaint route was warranted. I have been in XXXX XXXX XXXX XXXX XXXX and have never run into this draconian kind of treatment and I want this situation resolved.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I was never late on this account. 
XXXX XXXX XXXX Account NumberXXXX Please correct/update this inaccurate information on my credit report.

2. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a SBA loan 7a and gave a good faith estimate of {$5000.00} which I authorized to be withdrawn from my account with T.D. Bank. The loan officers XXXX XXXX and XXXX XXXX, VP of Franchise Development, decided not to approve the loan and the T.D. Bank has failed to refund my entire good faith estimate of {$5000.00}. I have emailed and called about this matter several times - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and called on XX/XX/XXXX. After these attempts, I am making a formal complaint against the lending institutions discriminatory actions and unfair actions toward me as an XXXX XXXX female small business owner attempting to open a franchise and live the American Dream.
Consumer complaint received 2023-01-24
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)

This is my OTHER 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-01-24
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. (NC)

This is my OTHER 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, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXX
Consumer complaint received 2021-03-11
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)

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it