davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

On my credit report with Experian it shows XXXX  XXXX with XXXX late payment from XX/XX/XXXX XXXX  with XXXX late payments from XX/XX/XXXX & XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Today ( XXXX ), around XXXX or XXXX XXXX., I received a call from XXXX XXXX XXXX XXXX ( number stored in my phone as XXXX ) on my personal cell phone while I was at work advising me that my gas was scheduled for disconnect within the hour because I had not responded to several calls from them about my autopay cancelling or not working. I thought the amount they said I owed was based on the Texas Winter Storm gas leaks and I paid 2 payments ( XXXX & XXXX ) using XXXX from my Chase personal account because I didn't want the gas turned off for my tenants ( 3 different apartments ). The caller who said she was XXXX XXXX provided information about my accounts that only the gas company would know but when I called the gas company they said all my accounts were current and that it had to be a scam call and that these scammers know how to call people using the XXXX XXXX caller i.d . but XXXX XXXX couldn't tell me how they knew my account information, specifically for my rental property so I think the scammers are getting help from someone working for the gas company ( inside job ). The information for the XXXX account payee is : XXXX XXXX Registered as XXXX. I know it was stupid of me NOT to call the Gas company immediately to confirm the XXXX information but I thought I was talking to the gas company and they caught me waiting on an important meeting to start which is why I called XXXX immediately after my meeting only to learn it was a scam call. I also called the XXXX number XXXX and a man answered but I hung up. I also called the number XXXX XXXX gave me ( XXXX ) but no answer ; voicemail said the text mail subscriber you are trying to reach is not available and please leave a message but I hung up. XXXX XXXX advised that she will call me tomorrow to discuss my gas account but I seriously doubt since they now have my money through fraudulent means. I called Chase Bank to see if they could cancel the two XXXX payments totaling {$990.00} but they advised that once the payment was delivered that I had to call the merchant and have them reverse or refund the money. However, as previously stated the merchant on the XXXX payment shown as XXXX XXXX was a scammer - not XXXX XXXX ( Gas company ) even though the call came from their number. I would like your help recovering my money if possible and also to STOP this scam so that they can not do this to anyone else. Any assistance or help that you can provide will be greatly appreciated.
Consumer complaint received 2024-02-17
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-11-19
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 have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX  XX/XX/2021, XXXX XX/XX/2021 2021
Consumer complaint received 2021-11-19
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)

The accounts that are reporting on my credit report are unverified accounts. These accounts date as far back as 2014, i have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has the accounts. I have sent in the accounts with the dates these accounts were opened.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX : {$490.00} XXXXXXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}
Consumer complaint received 2022-05-23
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)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (UT)

I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NAVY FCU. The account number is inaccurate between all three bureaus. According to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.
Consumer complaint received 2015-06-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My friend and I used my another friend 's phone number and sent XXXX dollar to him on XXXX, and we were XXXX in Bank of America XXXX But the friend never received the money. I went and called to Bank of America lots of times, and the assistant said that the money was transferred to the another person who has same phone number with my friend, which means there are 2 people have same phone number. The assistant also said that they tried to call the person and got my money back, but it did n't work.
Consumer complaint received 2022-10-13
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. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX,
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-18
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. (MS)

After carefully reviewing my credit report, I noticed several inquiries that should be removed. The FCRA states that the only permissible purpose for pulling someone's credit report is ; a firm offer of credit, insurance, a court order or employment. I submitted my dispute letter to Transunion on XX/XX/XXXX and due to the pandemic I have allowed substantial time for them to review my request. Transunion has not resolved my issue which is negatively affecting my ability to purchase a home or obtaining new credit. 
The following inquiries are not attached to any open accounts and must be removed immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-18
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: EQUIFAX, INC. (AZ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2021 i made my payment to capital one. I tried to pay my cell phone bill but my card was declined when i should have had enough credit to cover my bill. My payment posted XX/XX/2021 as usual but my credit line didn't increase back to the {$300.00} available credit line. I contacted capital one and was told that the payment had not been received on their end. I asked to speak with a supervisor and was told the same thing. I then hung up and contacted my banking institute and told them the situation. A rep from my bank and i then called capital one on a conference call so that my bank can verify that the payment was made posted, settled and should be with capital one. The capital one rep now change the story and says that they had indeed receive my payment but put a XXXX day hold on my account. I have been a capital one customer for over XXXX months and have always paid my balance on time and in full. I have never been late or missed a payment. Now I'm being told my available credit is not available even though my payment has been received. Capital one could not and would not explain to me or give me a good reason as to way my account now have a hold on it.
Consumer complaint received 2022-05-23
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/2020 I had owner XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX Arizona, come to my home to measure to install new vinyl plank flooring in my house. XXXX didn't leave anything in writing with me stating that he would get back to me with a solid price and let me know if I am approved for a no interest credit card from Synchrony bank. The next day XXXX called to let me know I was approved for the credit card and quoted me a price or {$9500.00} which he said included materials and labor.. I was interested in moving ahead and gave XXXX the information and XXXX of the flooring I was interested in to check stock. XXXX informed me that to begin the job I would need to come in and sign a contract. I told XXXX that I would be in within a few day to sign. 3 days later my work began furloughs due to covid-19. I called XXXX to tell him I would not be doing any work at this time due to my work furlough. He informed me that he ordered the flooring and that it can not be returned because it is discontinued, which he never disclosed prior to this. I explained that him ordering flooring without a contract was his decision and was out of my control. The XXXX XXXX closed right after that for 4 months due to Covid lockdown. But, 2 months later in XXXX of XXXX I received a bill from Synchrony Bank for {$9500.00} that XXXX billed to my credit card without my authorization and the XXXX XXXX was still closed due to lockdown. I've made numerous attempts to contact XXXX XXXX regarding these charges and have not received any communication to date from him or any itemized statement of what I was charged for. I contacted Synchrony Bank on this matter. They have sided with the merchant in 3 disputes despite the merchant actually uploading a copy of an unsigned contract that I have never seen. My credit is ruined going from XXXX to low XXXX due to Synchrony Bank 's credit reporting against me. I currently have an open fraud investigation with Synchrony Bank stating that this merchant has used my credit card without my authorization. Recently, I tried to refinance my home and that is how I found out how bad my credit has been damaged by this incident. The lender gave me CFPB info to file a complaint.
Consumer complaint received 2021-11-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (FL)

I have been harassed by Sallie Mae the past XXXX months causing me to Go into a high risk XXXX I have asked numerous times please wait until I return to work they are calling my grandmothers XXXX XXXX, etc. this is becoming ridiculous and I am Overwhelmed
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (GA)

As evident in the attached agreement, in which I was under much duress at the time of signing on ( XX/XX/XXXX ), the alleged creditor, Exeter Finance, denied me of my right to rescind as pursuant to XXXX XXXX XXXX, considering that this was a consumer credit transaction. This is shown under the section titled No cooling off period. 

I as the consumer am also being charged outside of the finances charge which is presumed to be the SUM OF ALL CHARGES. To charge me anything other than the finance charge ( e.i. Interest ) is a violation of XXXX XXXX XXXX. The finance charge is also to include an insurance premium which I was not given full disclosures of or offer. If having comprehensive and collection is a requirement for Exeter Finance, then it makes sense as to why it is supposed to be included in the finance charge. 
The agreement is very false and misleading ( XXXX XXXX XXXX ) as the alleged amount of the final sale is in a positive balance. If I am in debt to another, I would better make this assumption if a negative balance were shown. It is also false and misleading as Exeter Finance is not listed on the agreement as the seller or buyer. XXXX XXXX XXXX XXXX is listed as the seller/creditor on the agreement. If I didnt know any better I would assume I am in an agreement with XXXX XXXX XXXX XXXX and not Exeter Finance just by looking at the signed agreement. 

I spoke with a representative of Exeter Finance for almost 2 hours trying to resolve the matter on XX/XX/XXXX. The representative agreed with my arguments but the only resolution offered was to surrender the automobile. 

I also have a copy of a XXXX Certified Search Report from the Georgias Secretary of State. This XXXX is proof that I am not legally obligated to this debt. In order for an alleged debt to be valid it must be recorded with the XXXX of State.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2021, I was a victim of a phone scam. Some person pretended to be Navy Federal Credit union and asked for a pin that they were about to send me from their fraud Department. After getting a pin I relayed it to the representative and the phone hung up. A few hours later Navy Federal called me and said I was a victim of fraud. I proceeded to file the fraud claim and was told I would be reimbursed within 10 business days. As of today it has been over a month and I have reached out over 30 times requiring about my reimbursement and the only thing I was told is that it is pending. This has cause me severe XXXX in which I literally had to get medication for and this is not the treatment that I think a war vet would get from his own credit union
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX