davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (NJ)

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 719XXXX has me at a score around 590. 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 2020-07-31
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. (CO)

Opening this complaint in response to XXXX XXXX XXXX not doing anything with previous complaint XXXX. XXXX response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client XXXX is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 XXXX XX/XX/2017 ). XXXX XXXX XXXX can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.
Consumer complaint received 2024-03-04
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. (DE)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX  I dont have a contract or agreement with this bank, This Company was not authorized to do business in the state of Delaware ( 2018 account open ) Attached is Proof that a UCC1 was not filed and or I do not owe this company anything. 

XXXX XXXX XXXX I do not have a contract or agreement with this company, This Company do not have a license to do business in my State ( Delaware ) at the time set account was opened Attached is Proof no UCC1 was filed and i have no liens. 

XXXX XXXX XXXX XXXX XXXX I do not have a contract or agreement with this company. 
I have ask for Licensing and contract and or agreement that gave this company my private and personal information without my consent 15 USC 1681b Inquiry XXXX XXXX XXXX I have not applied with this company I have no account with this please remove this from my credit report. 

You TransUnion are reporting inaccurate information and by doing so are harming my god given to the pursuit of happiness. 
Please stop reporting non mailable addresses on my report my Correct and the only mailable address is C/O XXXX XXXX XXXXXXXX XXXX XXXX, Delaware XXXX You have more than one Name being reported and also missed spelled versions of my name. My name is XXXX XXXX that is the only name I want reported on my credit report. 
I am a victim of identity theft attached is a police report. You have 4 days from the date you receive this information to delete, block, and fix these items.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

HI ERC/ XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The bank has admitted to sharing my new personal banking information with previous vendors and has sent me this in writing. 

The bank has admitted to acting as my personal accountant by authorizing payments without my content calling it an authorized recurring payment. 

I would like the bank to provide me the authorizing document from me allowing them to approve any recurring payment. 

Further, the bank refuses to end this practice and tells me in order for the authorizing recurring payments to be unable to go through the vendor needs to be informed. ( the vendor was told but does not care because they keep getting the stolen information from the bank directly with their fraudulent relationship ) I want to know when and at which point the vendor had received control over my account to make such claims. 

I would like to know who authorized the bank to process any annual payments without my consent and to share the new security code and expiration date information without my consent. 

The bank has confirmed that their processes and procedures where followed which begs the question why are these procedures not illegal and why is the bank not being charged with fraud and selling customer banking information to the highest bidder
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

On XX/XX/2024 at approximately XXXX XXXX, I called LexisNexis and spoke with XXXX XXXX and he stated that LexisNexis obtained my bankruptcy records from the Courts and that the Courts provided and verified that information. I disputed that information to be removed from my consumer report.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when XXXX reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of it.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC (CA)

I can not comprehend why you are not doing your job of enforcement. XXXX is advertising on XXXX a 1.88 % APR without a credit score and without knowing whether its a purchase or refinance. This is pure baloney. Todays date is XX/XX/2021. No way that they can advertise 15 year fixed at XXXX APR for everyone.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX is a high end alcohol and drug treatment center located in the XXXX XXXX serving the XXXX XXXX. We bank with Chase. On Friday XX/XX/2019 I checked the operations account and saw a withdrawn by XXXX XXXX. That was odd. XXXX does not have an XXXX XXXX card. I checked with staff to see if unauthorized someone had tried to pay their XXXX from the corporate bank account and no one took responsibility. I reported it to Chase and Chase returned the money on Saturday. On Saturday there were withdrawals from XXXX XXXX, XXXX XXXX XXXX, XXXX Phone Pay. XXXX has no relation to XXXX, as stated, and we have no relationship with XXXX XXXX XXXX or XXXX either. Chase credited those back but when there were more debits Friday XX/XX/XXXX by XXXX XXXX. We do have a company XXXX XXXX card but these are not our charges and when we pay that card we pay online not by phone. We reported those illegal withdrawals as well and received attached letter from Chase that says " We determined that it's a business to business electronic payment. '' They say they can not remove the transaction and we should contact the business that initiated the transaction as if we knew which business it was. " I did contact XXXX XXXX and they said Chase needs to do the research as they can not identify the source of the fraud without a Chase investigation. As the business is out {$2400.00} from these illegal withdrawals and I called CFPB. The fraudulent XXXX withdrawals both say " XXXX XXXX PHONE PYMT. '' As stated above, when we pay the XXXX XXXX card it says XXXX XXXX CO ENTRY DESCR : ONLINE PMT. 
We have a consistent payment history to demonstrate our method of payment for our XXXX card is via WEBSITE.Thank you. XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

I lost a job in XXXX and had to enter a forbearance plan with my mortgage company. I XX/XX/XXXX, I was ready to come out of the forbearance and reassume monthly payments. I have now been trying to close out the forbearance for 8 months and my monthly statement shows Im over a year behind on my mortgage, even though I have made a monthly payment every month since XXXX. Since then, I have had XX/XX/XXXX XXXX and been out of work for 2 months. I need to refinance and cash out some equity to get my financing back under control and my mortgage company is causing me distress by not closing my forbearance out.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I inherited a combination of stock and cash in an IRA my father had originally with Merrill Lynch, later with Merrill XXXX. After selling all the stock so that the account was fully in cash, I elected to have a trustee to trustee transfer done, to bring it to a local branch of a bank for ease of management. ( I also moved other inherited IRAs in this manner, from other sources, without the difficulties encountered with Merrill XXXX. ) The trustee-to-trustee transfer should have moved 100 % of the inherited IRA to the new bank. However, once the funds tranferred, there was a difference in the amount of the ending balance and the received balance at the new bank setting. I checked into it with Merrill XXXX and was told ( for the first time ) that they withheld a fee of {$49.00} as a brokerage charge. They explained that the next brokerage might refund that to me, but they charged this without any previous explanation. I informed them that there was no longer stock in the account and that the receiving bank was not a brokerage firm. I contacted their Customer Service/Complaints division with phone calls and a letter, dated XX/XX/19. I requested that they send a check for the {$49.00} directly to the bank. 

I checked with the receiving bank, and this check has not arrived. I have heard no more from Merrill XXXX than an initial acknowledgement of having received my complaint. As I stated in my letter, I believe it to not be a legally defensible practice to " charge '' me an unannounced brokerage change fee, when the IRA was being fully removed from Merrill XXXX -- simply transferred to a bank for investment in a Certificate of Deposit.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX* DatesXXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED Dates:XXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX XXXX Amount : {$3200.00} Company : XXXX XXXX Dates:XX/XX/XXXX Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX XXXX Dates:03/10/2020 Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of InquiryXXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX
Consumer complaint received 2021-06-11
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. (TX)

I am disputing Bankruptcy XXXX on my Equifax credit report. On XX/XX/XXXX Equifax has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can Equifax verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with Equifax and has even attempted to contact Equifax to have the Bankruptcy removed from my credit report. 

By continuing to report Bankruptcy XXXX on my credit report Equifax is violating the Fair Credit Reporting Act and can be fined up to {XXXX} per occurrence.
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (HI)

If you read their print, they charged {$0.00} service fee for each transaction we made online. If we make payment via telephone, they charged {$10.00}. I've dealing with other company like XXXX, I understand if company charged via phone call because they want to lower the labor cost. However, charging us {$0.00} each time we make payment is not fair at all. Comparing to how small my loan is, I feel this act is completely rip off and I do not appreciated that. I do not know how other students handle this but I've never heard any loan collect company do this. If possible, transfer my loan to XXXX so it is easier for me to make my payment and view my account. Their website is really out of dated. Thank you.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (MI)

When I was called to XXXX XXXX my home was moved from XXXX, Oh, where Keybank is located, to XXXX, MI, WHERE NO KEYBANK IS ANYWHERE NEAR. I made sure to caps the previous statement because it's 100 % the cause of the fraudulent charge I've encountered. I called Keybank to close my account after drawing all the funds out of the account. I had no access to go to Keybank as it was over 2 hour drive away. I called he first time and nothing was done to close my account. I incurred charges because I removed all the money from my account. I PAID the first round of fraudulent charges, I again called KEYBANK to close my account when it was YET AGAIN at XXXX. Once again nothing was done on Keybank side and once again overage charges were encountered. This account should have been closed PRIOR to the charges TWICE! this was fraudulent twice. Not to mention I was SERVING OUR COUNTRY. I will not pay this charge, as it is fraudulent. Just to point out, your system is glitching, it would not allow me to Input my last 4 of my ss # so I put the last four as the account number. THE ACCOUNT NUMBER I ENTERED IS MY LAST FOUR, I DO NOT HAVE AN ACCOUNT WITH KEYBANK AS THEY CLOSED THE ACCOUNT AFTER FRAUDULENTLY CHARGING ME TWICE ...
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (RI)

A CareCredit account was fraudulently opened on XX/XX/XXXX. Someone stole my wife 's identity ( name, address, social security number and birthdate ) and used that information and my wife 's good credit history to open the account on the CareCredit website. On XX/XX/XXXX, a second user was added to the account and the mailing address on the account was changed. My wife was never contacted for either of these transactions. In XXXX, XXXX the second account user was able to charge more than {$10000.00} of XXXX XXXX services to that account. Again my wife was not contacted. Monthly statements were sent by Synchrony Financial throughout all of XXXX to a person with my wife 's same name but to the address which was fraudulently added after the account was approved. My wife was never contacted for payment at the address originally used to open the account. Synchrony was never paid and they wrote off the account in XXXX, XXXX and sold it to a collection agency. Again they never contacted my wife. In XXXX the third party collection agency sent a collection letter to our home address ( the address originally used to open the account ). We immediately opened a fraud investigation at both the collection agency and Synchrony. Synchrony informed my wife by letter on XX/XX/XXXX that the investigation is closed and she is absolved. On XX/XX/XXXX my wife sent a letter requesting a copy of the original account application plus documentation of all subsequent account changes. We have the post office 's return receipt dated XX/XX/XXXX showing Synchrony received this request. We have called Synchrony 's customer service, fraud and investigation department dozens of times and been assured we would receive the requested information within 60 days. That time is now past. Yesterday when we called again to see why we have had no feed back, we were informed by the Synchrony Investigations department that this information sometimes can not be provided " for security reasons ''. I also made a request for feedback on the CareCredit website on XXXX XXXX and have gotten no response from Synchrony. I was previously informed by the Synchrony Fraud team that Synchrony would not prosecute the perpetrator of this fraud, despite that fact that they have her name and address. They will seek to recover their loss under their fraud insurance coverage. Synchrony 's actions in allowing this credit to be approved, amended for a second user and then go uncollected without ever contacting the person whose identity was used has resulted in a deterioration in my wife 's credit history with all three bureaus. In addition, their refusal to provide the requested documentation is preventing us from bringing the perpetrator to justice.