davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX sent a letter to TransUnion disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XXXX received a letter from TransUnion stating that they " verified '' that the bankruptcy and that there would be no change, but did not provide proof used to validate that it belonged to me. 
XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
TransUnion found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I received a text message XXXX XXXX for fraud charges being stopped however my card had already previously been being used NOT only did the bank NOT notify me earlier they didnt help. They claim that a code was sent to my phone to use the card ( IN PERSON ) because was online charges. The traction clearly states the card was used in person. I was at work when my card was being used in a whole different state. Chase told me I could not submit that as proof that wasnt me. Ive never known a code to be sent for using a card in pers. Never got a text about my card being used till days later and I NEVER used that card ever in person for over 5 years let alone in the state it was used therefore they should have notified me. They refused to refund me and told me to reach out to each company individually to get my money back.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

my name is XXXX XXXX, i have sent multiple complaints in regards to multiple accounts with the supporting documents to show XXXX XXXX XXXX XXXX - XXXX this account is in direct violation under the FCRA 15 U.S. Code 1681-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate. as shows in the supporting documents all three credit bureaus are showing inaccurate missed payments as well as ( account type and Date Last Active ) this account should state paid never late. 
XXXX XXXX account - XXXX this account is also inaccurate ( date last active, Date of last payment, date opened and account type ) are all inaccurate and are ina complete violation of the FCRA under 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 
XXXX account XXXX XXXX this account has the following inaccuracies ( account type, date opened, high credit, credit limit, comments to my account without my consent, date last active and date of last payment showing no payments made ) this account is in direct violation under the FCRA 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 section 602 which i have right to privacy. 15 USC 1681b -required under this law this title is to be mailed or delivered to the consumer not later than 21 days before the payment due date. i received nothing. i am a blocked caller to the customer care line in which this agency has been taking money out of my bank account this account is under violation FDCPA 15 U.S.C 1692e- which prohibits tge use of false, deceptive and or misleading representation in connection with the collection of debt. and is to be deleted from my credit report also under the FCRA all these account are under violation of my federal rights. under all codes named 623 ( a ) ( 1 ) ( a ), U.S.C 1681s-2 ( a ) ( 1 ) ( a ), 15 U.S.C 1681b.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up filing of a complaint to my previous complaint last XX/XX/XXXX, to block or remove the items that are misleading or fraudulent in my file. 
Please Block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XX/XX/2010 I had a cashiers check made out to me for {$10000.00} NEVER told there was an expiration date, went to deposit it and chase bank got mad at me (? ) for not depositing/cashing it. 

I have legally changed my name to XXXX XXXX, chase bank gave me a new checking account with my new name, so why this turned into a problem is mind boggling
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

We owed {$7900.00} to XXXX XXXX XXXX- the collections agency, XXXX and XXXXXXXX XXXX Chase. We paid the debt but Chase processed the levy anyway. They have received fax notification from the attornies and the sheriff that the debt is paid. They kept " rejecting '' the faxes for " not being in the right format. '' They have received the info daily since XXXX. Now they say they have all they need and it has been " expedited '' but will still take XXXX business days to resolve. We have been without funds since XXXX for a debt that was already paid. We finally found a sympathetic ear at our branch and she is doing what she can but she has to jump through the same hoops we do. Not even a Chase employee can navigate the " black box '' that is the legal and levy dept. This morning I received a call from this " expedited dept '' telling me it is all in process and gave me a " direct phone number '' that I can call but it is the same number I've been calling for almost two weeks - not a direct number at all. Plus the phone number the expedited dept gave me to reach them is just a general number for Chase. 
Word to the wise : Chase bank is a great bank to bank with until you need their help. Then, good luck. They are structured to keep you away from anyone who can help.
Consumer complaint received 2023-06-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

State GovernmentRef : XXXX Tax Lien - Filed State GovernmentRef : XXXX Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Consumer complaint received 2024-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Truck was dropped off to vendor on XX/XX/year> and no estimate or contract was in place there for there was no authorization for work to be dome per California Bureau of Automotive Repair. When citi was asked to investigate this truth they keet responding with a 3rd party has to tell citi what is in the written estimate but there is no written estimate/contract.
Consumer complaint received 2022-12-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Services, LTD (TX)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe ASC COLLECTIONS {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to ACS COLLECTIONS stating I had an agreement with you and owed any monies to ACS COLLECTIONS. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2022-12-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I initiated a checking account with TD Bank on XX/XX/2023, taking advantage of the promotional offer listed on their website, which stated the following : Open a TD Beyond Checking account. 
Complete {$2500.00} in eligible direct deposits within the first 60 days of account opening. 
Receive a {$300.00} bonus, which would be credited no later than 180 days after the account has been opened. 
I fulfilled the requirement of making {$2500.00} in qualifying direct deposits within the stipulated 60-day period. The bank confirmed that I should expect a {$300.00} bonus by XX/XX/2023. However, as of today, XX/XX/2023, I have yet to receive the promised bonus. It has now been over two months since the deadline, and the bank has continuously delayed resolving the issue, redirecting it among various departments. 

I expect the bank to honor their promotional offer and promptly issue the bonus that I am entitled to.
Consumer complaint received 2024-02-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm asking the credit bureau to fix the negative status on these accounts. My husband handled the bills, but since his passing in XXXX, I wasn't aware of the steps. Despite talking to the banks and them agreeing to update the status, the credit bureau verified the information. I've tried multiple times to dispute and get proof, but there's been no response, violating the FCRA. Please delete the late dates as they're unverifiable and causing distress after my husband 's death in XXXX.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

Final debt of {$250.00} after insurance payment is being paid today XXXX/XXXX/2016. The total amount was {$3000.00}. They are charging {$430.00} in interest which we are disputing. We feel that the amount of {$430.00} applies to the {$3000.00} full amount that we are not liable for, we can see paying about {$50.00} in interest, but not {$430.00}!
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RJM ACQUISITION LLC (NV)

RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. 

I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.
Consumer complaint received 2017-03-29
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (LA)

i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (GA)

I have submitted a complaint previously on XX/XX/2021. This debt buyer is still reporting inaccurate information. I have no legal obiligation to a debt buyer per law. I asked previous to send proof of the alleged debt. But the only thing provided was a copy of a original contract from a creditor. I have never entered into any contractual agreement with NCB Management. This inaccurate information is casuing emotional turmoi.l The presence of these inaccuracies has caused immense anxiety, frustration, and stress in my life. Constantly worrying about the unjustly damaged credit score and the potential negative consequences has taken a toll on my emotional well-being. This is a mental burden, dealing with the consequences of these inaccuracies has resulted in sleepless nights, difficulty concentrating on daily tasks, and an overall sense of mental anguish. The constant preoccupation with rectifying this situation has adversely affected my overall quality of life. I assert my rights under the FDCPA and the FCRA to dispute the debt based on the absence of contractual privity, lack of validation, and potential inaccuracies in credit reporting.
Consumer complaint received 2023-07-03
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. (PA)

XXXX XXXX XXXX has reported my auto loan account late, past due, XXXX, XXXX & XX/XX/2022. According to 15 USC 6802 B, I was never given the option to opt out of my personal information being published.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, this is  XXXX   XXXX  and I had a concern regarding  XXXX  placing  a thirty  day late on my account in  XXXX  of  2016 . I was not supposed to be reported for this late, according to  a manager i  spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.