davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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. (MI)

I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. XXXX  and Experian have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of XXXX, Experian and XXXX XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (MA)

Numbers from California ( the most recent being XXXX ) have been calling me since XX/XX/2020. They leave automated voicemails claiming to be from FCR Collection Services and claim I owe a debt on a textbook rental. They say to call back or go to XXXX. This debt does not exist and I believe this is a scam. I have blocked dozens of their phone numbers and they keep calling me through new ones.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (MI)

I visited the site, but I do not have a loan with OppLoans. Yet, I received correspondence about a payment coming forth on XX/XX/2021. When I attempted to call and question the matter, the line is always busy.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

After contacting USAA and being told by their automated phone system that it would be a " 2 hour wait before I could reach someone in the fraud detection department '' : I decided that a complaint needed to be filed. When a bank does not take fraud seriously enough to have immediate representatives ready to help - something is amiss. On my account, I have XXXX repeated transactions from XXXX XXXX XXXX in XXXX, Wisconsin. Their payment transaction software has a glitch of some sort such that I was charged 13 times for an order that never actually " went thru ''.
Consumer complaint received 2024-02-05
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly CORRECT or REMOVE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

While on vacation in XXXX I observed fraudulent charges being made on my account from Navy Federal Credit Union. 

One in XXXX for XXXX ( 1300 miles from where I was in XXXX ) one in XXXX XXXX for XXXX ( 1100 miles from XXXX ) and another charge with no location for XXXX. I immediately called navy federal and reported fraud and had the card deactivated. After reviewing my case Navy Federal Credit Union said that because the card was in my possession that the charges were not fraudulent and denied my claim. 

I feel that I took corrective action immediately and that Navy Federal Credit Union is not doing their due diligence in investigating my claim and protecting their clients as they are required to do by law. I would greatly appreciate any help rendered in this matter.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I bought crypto-currency through PayPal a few months ago. For no reason and without ANY explanation, PayPal discontinued my account. I read through the User Agreements and didn't violate one single word of it. They informed me I have 180 days to withdraw money and transfer it. However, I do not want to sell my cryto investments, but they will not transfer it into another cyrpto wallet. They are forcing me to sell my investments when I do not want to sell right now. It's a violation of my ability to trade on the open market and forcing me into an action with my investment that I personally do not want to take.
Consumer complaint received 2021-07-27
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. (NY)

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Mid land Funding is reporting inaccurate information to all three credit bureaus for credit one bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-04
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX  15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

On XX/XX/2021 I contacted XXXX  to file a dispute against fraudulent information reporting on my consumer report they still never took down. The original creditor is XXXX XXXX emergency XXXX which they sold the debt to Phoenix financial services and Phoenix financial services are asking me to pay them {$430.00} this account was opened on XX/XX/2021.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method. 

XXXX XXXX XXXX  XXXX  Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. 
If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (NY)

Chase loan XXXX XXXX  Mortgage loan originated at First Republic Bank ( XXXX ) in XXXX XXXX my monthly payments from XXXX XXXX XXXX XXXX in XXXX Right before transferring loan to Chase FRB removed from my account XXXX XXXX XXXX  for loan payment putting my finances into tailspin. FRB promised to return money, but that never happened In addition FRB claimed to pay my RE taxes even though taxes were paid and I supplied FRB XXXX XXXX with documentation submitted to XXXX pending resolution since some of my payments were not applied FRB and than Chase made me responsible for over XXXX XXXX supposedly paid in XXXX XXXX XXXX XXXX XXXX additionally to my payments when my yearly tax bill was approximately XXXX XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX I went to XXXX XXXX in XXXX, FL. When I got my car, nowhere was I informed about my right to recision and according to 15 U.S.C 1635 ( a ) I was supposed to be notified and my alleged contract doesn't state that, which makes this fraudulent. Also, the finance charge is supposed to be the sum of all charges, however, per this alleged contract, I was charged more, which is a violation of 15 U.S.C 1605. On top of all of the nonsense in the contract, Hyundai Capital America even repossessed my car, after I sent them a cease and desist and a affidavit of truth back in XXXX, XXXX which is a violation of 15 U.S.C 1692f by Hyundai using unfair practices. 

I sent Hyundai Capital America yet another affidavit of truth that was received and signed on XX/XX/XXXX which has still gone unrebutted and unanswered, therefore this means my statement will stand as truth in the court of law.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I submitted dispute letters via USPS with XXXX, TransUnion and XXXX  to verify collection accounts opened in my name. I have not done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. It has been more than 30 days and I've yet to receive a response.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2021-07-27
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Last year I discovered a false account with XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (IL)

I have a personal Venmo account which I barely even use and when I do, I use it to pay back friends etc.. like EVERYONE! Venmo locked my account saying I'm in violation of their policy. Almost certainly a mistake on their end which is bad enough but what is unacceptable is I'm unable to speak with anyone about it at Venmo. Venmo 's response on a {$500.00} transaction that they declined ( said I cancelled but that is untrue ) is it may take up to 30 days to return the {$500.00} to my account. PLUS Venmo froze the additional funds I had previously transferred to Venmo from my back account holding these funds hostage without cause. The effect is Venmo has locked up {$1300.00} in funds on their mistakes with insufficient measures in place to address. Only response from Venmo beyond the above is they will contact me in 5-6 days additional business days ; meaning it could be as long 12 actual days before they even RESPOND!!! much less resolve. Venmo gets away with this because they hide behind one-sided arbitration clauses which hopefully will be illegal soon.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MO)

XXXX XX/XX/22 I became a victim of an employment recruitment scam. One of my accounts was used to scam {$2100.00}. Once I realized what happened, I visited my nearest branch for help. After three days of bouncing from rep to rep, On Monday the XXXX I was able to speak with a branch manager. The branch manager informed me that all my US Bank accounts were frozen and would be closed and I should find another bank. I explained what happened, kept all documentation. He understood what happened, but said that US Bank could not risk this happening again and they no longer wanted my business. I have been a customer for 30 years and have never in my life had anything like this happened before. I was hoping to work out a way to repay the loss in a matter of a couple weeks, but that didnt matter. Even though, I am the victim, its my fault that I was tricked. So I have no problem stepping up and fixing it, even though it puts me in a really tough place with my mortgage and bills for the month. But, as of the XX/XX/XXXX I have no access to funds until my new bank account is setup and they send me debit/ATM cards and my next paycheck is deposited. No grocery, gas, utilities payments available. I am emotionally and mentally distraught from the scam and this response did not help. The branch manager at the US Bank location at XXXX  XXXX, MO was so uncaring, it brought me to tears. He made me feel like I was the scammer.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (KY)

XXXX XXXX is calling me from XXXX saying that they have a Mediation against me with Wells Fargo for a credit card that I had with them and that I owe them over XXXX dollars. I have never had a credit card with Wells Fargo and I told this company this and they said they were going to be taking to me court to pay this amount. They had my maiden name and not my married name and this account was from XXXX. This is XXXX so obviously this is a false account. I asked that they not call me anymore but within a few minutes I received another phone call from this company. I would like for this to stop.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

After my vehicle was repossessed, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA. From XX/XX/XXXX through XX/XX/XXXX, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions. I purchased my vehicle in XX/XX/XXXX, my repossession occurred in XX/XX/XXXX. Santander settled the case in XXXX but they also sold the debt to XXXX XXXX. According to the agreement, my debt is to be forgiven, the account status should be updated to positive and most importantly the account should be removed from my credit profile. Due to what Santander agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.