davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
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. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (GA)

I went and applied for a car loan and was told my report would only be ran once, but there are over 10 hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.
Consumer complaint received 2022-05-18
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. (GA)

I went and applied for a car loan and was told my report would only be ran once, but there are over 10 hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently lost my job and was struggling to find work, 3 creditors closed my credit cards because I had some monthly payments being reversed. Capital one ( 2 credit cards were closed with HIGH interest and late fees applied ) XXXX credit card and XX/XX/XXXX credit card as well. All 3 of those creditors closed my accounts and I am not sure why, my only guess can be the payment reversals from my bank ( XX/XX/XXXX ). XXXX is no longer my bank as I recently was a victim of a scam and fooled with a fake check. I have been undergoing extremely stressful and unfortunate situaitons and my credit score just last month ( XX/XX/XXXX-XX/XX/XXXX ) was in the 620s and it has dropped SIGNIFICANTLY for reasons I cant even understand.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2018-09-21
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. (SC)

In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau Experian. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by Experian. Right now, the collection amount balance says {$4600.00}. The creditor address reported by Experian is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by Experian is ( XXXX ) XXXX.
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: Experian Information Solutions 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 2021-11-16
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: JPMORGAN CHASE & CO. (TX)

I have worked very hard to restore and repair my credit and my life which was in bad shape after a divorce situation in XXXX. I have succeeded in doing so and currently have a reputable XXXX credit score. I am very particular about paying my bills on time and never do anything to damage this credit I worked so hard to restore. 

With that in mind, I believe The XXXX XXXX XXXX has taken advantage of me and defrauded me of XXXX dollars in the process. 

I received a phone call XXXX from a " Private Number '' and was curious to see who it was so I answered the phone. The man told me there was an urgent pending legal matter filed against me. He said he was a " process server '' and could not give me any specifics about the case. Offering no specifics on my inquiry about the matter, he then told me I could call a number, however, and he gave me XXXX and a case number XXXX. He said I had ignored attempts to reach me ( and was not specific about how ) and that as a result a law suit was filed. 

When I called the number, I said my name and the case number. The man said I was negligent and not a responsible person obviously because I kept on ignoring their attempts to reach me. I received no attempts via US Mail and I received nothing else referencing this matter. He was extremely aggressive, rude and threatening. He told me I had five hours to " fix this and pay. '' Honestly, it worked because I was intimidated that according to him they could freeze bank accounts, seize personal property including my car. It scared me and I reacted asking him to please send me at least a description of the debt. He complied and sent a letter with the apparently a Chase debt I didn't specifically recall. 

After over twelve years has gone by, I remembered that there was a credit card that my former wife and I had that may have been a Chase card as he said. At that point I thought that it must have been unresolved and to avoid any problems in my life, I agreed to pay the amount. I used a XXXX XXXX credit card to pay the amount of XXXX. 

After the fact, I did some checking at the urging of my son, to see if I had made a mistake. To my chagrin, XXXX XXXX came up in searches on XXXX as a notorious illegal " XXXX '' debt collector. Upon further investigation I realized that they had broken the law by not notifying me by US Mail, and that the Texas Debt Collection Act says that it is illegal to collect a debt more than four years old.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I was victim of a Payment Scam. Fraudsters impersonating PNC XXXX XXXX stated a withdrawal of {$5400.00} was about to take place from my checking account. The money was to be used to purchase cryptocurrency. I needed to immediately go to my PNC branch and withdraw the same amount, go to a bitcoin ATM and insert the cash, and take the receipt back to the PNC branch in order to negate the supposed withdrawal that was to take place from my checking account. I was convinced I was speaking with a PNC XXXXXXXX XXXX on the phone and went to the PNC branch, requesting withdrawal of {$5400.00} in XXXX bills. The teller was given approval to complete the transaction. I was nervous and frightened. No bank employee ASKED or QUESTIONED why I was making such an unusual request. Had they questioned me It may have motivated me to tell what was happening to me at the time. I was being controlled. I therefore lost the {$5400.00}. I didn't realize I had been scammed until later when I called PNC and reported what happened. Had the teller attempted to question me, I feel it may have broken or interrupted the control the impersonator had over me at that time. I feel PNC failed me at a time when I needed help but was too afraid to ask. The fraudster had warned me that there was suspicion since PNC had approved the initial supposed withdrawal, that someone within the branch may be involved. I was instructed not to say anything to anyone inside the bank. A full detailed account of what happened was given to PNC during which I was advised that I had been scammed.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I have sent a complaint dated XX/XX/XXXX and XX/XX/XXXX, this was my follow up to those previous complaints and I am hoping that the XXXX Credit Bureaus namely Experian, XXXX and XXXX Credit Bureaus will REMOVE these items I listed in this follow up complaint within 15 days : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL 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 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 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 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (LA)

After noticing Midland Funding LLC was on my credit reports I immediately sent a debt validation letter to them as they have no valid account with me. They do not own this account and I am not sure why they have my information. After two months have past of sending a debt validation letter that was certified, I have not received any correspondence from them. Midland does not have any valid information nor have they communicated anything to me after properly sending a correct communication. This is illegal and incorrect.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (CA)

Beginning on XX/XX/XXXX, I received a letter from the Army & Air Force Exchange claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The Army & Air Force exchange also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the APY they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( XXXX ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that XXXX did not coincide with the statements that Army & Air Force Exchange had been sending. On XXXX XXXX XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to Army & Air Force Exchange through the Treasury Offset program. However, the Army and Air Force exchange and XXXX has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with XXXX to update them that the account has been paid. On XX/XX/XXXX, XXXX sent a letter making false claims that the amount owed has not been paid off. XXXX has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The Army and Air Force exchange has failed to update this account and XXXX that it has been paid off by the method of Treasury Offset program. The Army and Air Force exchange has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the Army and Air Force exchange has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along XXXX. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the Exchange has contracted XXXX to continue sending letters.
Consumer complaint received 2023-10-06
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

Hello, My vehicle was wrongfully repossessed on the date of XX/XX/21 at XXXXXXXX XXXX on private property. I contacted the company to get my vehicle back. They gave me the information to collect my belongings. They did not state what belongings were in the car when they repossessed it. Once I arrived to get my belongings, Multiple items from my car were stolen, My guitar was passed down from generations, other music equipment, my daughter 's car seat, speakers, and even jewelry I left. The company stated I would have to pay the fees owed and deal with the tow company. Which I did, and they still did not help me or explain where my items were. I was informed to contact the company I received the car from and inform them. They did not help me. I have sent them a cease and desist to not contact me, along with a debt validation letter. Which they did not validate. I get contacted and harassed by the company on a daily and weekly basis through letters, phone calls, and emails since I've started the dispute. This is completely unfair and inhumane to do, especially in the state of the world right now.
Consumer complaint received 2021-11-16
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, XXXX, and EQUIFAX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
Consumer complaint received 2019-07-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (KY)

Ally Financial Contacted me at my place of employment about a debt owed XX/XX/2019 early afternoon. I advised agent that they were contacting me at a place of business and requested the company not contact me at work. Agent advised would remove this method of contact at my employer and would call me on my personal number. 

XX/XX/2019, Ally Financial contacted me again at my place of employment. I advised I had requested this method of contact to be removed and repeated that this was a place of business and to please remove my employer number as a method of contact.
Consumer complaint received 2015-08-17
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: AR Resources, Inc. (NJ)

1. I mail my payments a little early so they get there on time. Well, they are saying that I 'm not adhering to my payment agreement. For example, if the payment is due in XXXX and the payment gets there on XXXX XXXX, they say I did not make my XXXX paymeny. 
2. I talked to a representative earlier and get told me he did not see any payments. Then he changed his story at the end of the call. 
3. A supervisor told me that the only way I could avoid these issues was to set up automatic payments and was pushy to get my bank information.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (UT)

I received XXXX  ( XXXX ) unauthorized transactions that occurred on my account, after the transactions settled, I reached out to the financial institution to dispute the transactions. XXXX XXXX XXXX or so the bank decided that the transactions were 'Valid ', XXXX ( XX/XX/2022 ), I received an email from the bank stating that my account will now be closed out after XXXX being a member, this was my main bank and I received direct deposits for multiple years through this bank and have a credit card through this bank as well. I am disappointed of their decision to decline my claim and close out my account. 

Transactions occurred throughout XX/XX/2022 - XX/XX/2022 that totaled up to {$3900.00} ( XXXX XXXX XXXX ).
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

According to a credit card statement supplied by a collection agency, my credit card company charged-off {$30.00} on or about XX/XX/2020. Prior to this statement, I disputed the charge which was apparently assessed following a payoff quote received by the credit card company by phone and a full payment made by me to bring my account to a zero balance. Subsequently, the credit card company not only applied numerous late fees but continued to charge interest on the disputed amount before selling the account to a collection agency. The collection agency has now reported the amount to the bureaus, damaging my credit report and is attempting to collect the gross amount of nearly ten times the originally disputed balance.