davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2022-07-12
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. (LA)

According to the Fair Credit Reporting Act XXXX Account # XXXX Collection agency : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602A. states I have the right to privacy.

I also see that 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. No written instruction were provided my me.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (AZ)

Addtl inquiries were made to Experian which had not been authorized, reducing my Score. I contacted Experian 's main office which said would delete those inquiries if got letter from reporting company, to the fact. This was done, however, Experian did not increase the Score back as promised. 
Further, I complained about them showing " Few accounts paid on time '', when an account with XXXX had been paid on time and closed ( this they did not even show on report ) and also the fact that a new car XXXX  was traded 3 months later ( payments made ) for another new veh. ( a XXXX ) which unfortunately got hit by drunk driver and totaled before I made a first payment but got paid off by insurance company. They did not show as these were paid on time regardless of circumstances- which incidentally Experian also shows " Lack of Recent Non-Mortgage Infor '' which is not true. My efforts went nowhere with them, as instead of upping my Score, Experian reduced it from XXXX from prior months all the way to XXXX. I also paid down my credit card by {$3600.00}. last month since they had claimed it was too high, and now the penalized me for reducing the amount. 
Please note in 20 plus years I never made a late payment, no bankrupcies, or liens. 
Perhaps Experian has been allowed too much control which is not been fair to excellent records from people like me. 
I believe the government should do an overhaul on their practices. 
NOTE : How could one get credit anyway if inquiries are not been made- so why should this aspect matter. 
Wher
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (UT)

Back in 2013, my purse was stolen containing all of my personal belongings. It was from this moment on that I have had items appear on my credit report. I ignored these for the most part out of ignorance. However, these have grown to become a big problem on my personal life. I have been combating fraudulent accounts on my credit report for months now, and for the most part, these have come off. 
However, I still have BK and an account that refuses to come off of my Equifax report. I have called Equifax multiple times to let the know that these are not mine. I have talked to the creditors. I have submitted documentation over and over ; And these are YET to come off! 

Please submit this complaint to Equifax and XXXX ( EQ has stated they are getting their info from XXXX )
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2022, my wife and I were away from home to be with a dying family member. Scammers called posing as our water and power department threatening to shut us down if we didn't pay right away. We had someone staying in our home in XXXX XXXX taking care of our animals. We tried to put a XXXX payment through from our bank ( USAA ) which said they could not let it go through until that Monday. We soon realized the person on the phone with us posing as XXXX  XXXX was a scammer and called the bank back to cancel the transfer. Even though they said it wouldn't go through, it did. The Bank said the transfer wasn't fraudulent even though the smallest investigation proves it was ( USAA lists the recipient as XXXX even though one call to them would corroborate the fact that it was not them ). XXXX takes XXXX responsibility and USAA is now ignoring all the escalations they keep promising. We are out {$980.00}. USAA said it was going to the escalation department twice, but they never got back to me. When I followed up, there was NOTHING being done, considered or escalated. 

XXXX is a magnet for fraud and totally unregulated as a normal bank transfer would be. We are the victims of fraud and unprotected by our Bank, USAA. Please help.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2018 I noticed on my Capitol One bill an interest charge of almost XXXX dollars. I pay my bill in full each month ( and have for years ). I  called them and they explained ( very poorly ) that they would remove the charge but that it was the interest on recent purchases ( i.e. next months bill ) in effect the grace period had magically disappeared and my rate was now over 22 percent ( it was 11.99 APR when I first signed up years ago ). My recent bill they did the same thing ( added over XXXX dollars in interest rate charges ).
Consumer complaint received 2023-03-22
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15U.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 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 2018-11-16
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 — Problem with personal statement of dispute
Company: Avant Credit Corporation (OH)

I had a loan account with Avant. Avant is reporting the loan " current '' payment status as 120 days late. Although, this account has been included in my chapter XXXX bankruptcy petition. The current payment should reflect that it's included in bankruptcy. The company has had several chances to correct this information. I've filed several disputes and nothing has changed. 

Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Consumer complaint received 2023-03-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank has reported me to XXXX for check fraud back in XX/XX/2017 and they are saying information is accurate. Ive sent over documents showing them that Ive made multiple identity theft reports because some use fraudulently used my information and opened this account online. I have made disputes with XXXX as well and i still got nothing. My current financial institution has placed a restriction on my account due to this matter. I have never had this bank and never opened an account with these guys and because of this i have no access to my funds in my current bank account
Consumer complaint received 2018-11-16
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. (OH)

I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any  and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. )  The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

After applying for mortgage loan and being approved, half way through escrow all of a sudden a supposed debt with open date of XX/XX/2014 and balance of over {$10000.00} just all off a sudden appeared. This says i owe over $ 10k and they haven't had this on my credit in 4 years but now all of a sudden they are reporting this debt as something I owe. Seems pretty fishy that this company I have no knowledge of is reporting this after seeing that I have paid off all my debts.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

This account is closed. Its reporting inaccurately to credit agencies. Its a violation. I want it deleted and removed. I begin trying to remove this since XX/XX/XXXX by sending multiple letters to the collection agency by certified mail through the post office as well as online. XXXX  has agreed to remove and delete from my credit report. I was also a victim of the XXXX  breach in XXXX.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (GA)

XXXXs alarm was broyght out by XXXX we didnt find out until we upgraded our alarm system.Prior to that we had XXXX for XXXX to XXXX. No problems. When we upgraded they did a verbal recorded contract. We were tricked on the terms & conditions by the salesman.We paid for what we purchased. XXXX claimed we had late fees & interest owed. We did the math on the acct & We tried to get an understanding but to no prevail we parted ways.Now were here with an outrageous bogus bill on my credit.We dont owe XXXX  anything..
Consumer complaint received 2018-11-16
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC.

1.XXXX XXXX 2.XXXX XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To CFPB, I have been in the hospital a lot lately suffering from XXXX, upon my release from the hospital and while taking responsibility for my credit I noticed that Trans Union is at it again, meaning, they simply do not take the time to verify the information that is reported to them, in this case from a company called XXXX XXXX claiming that I owe XXXX XXXX XXXX {$230.00}, really? That's strange I NEVER RECEIVED NOTICE that I owe them anything. This kind of behavior on the part of Trans Union to neglect their responsibility to verify information given to them justifies a fine from the CFPB of XXXX XXXX and XXXX XXXX dollars and a fine for the company reporting this bogus debt to match that of Trans Union. I WARN YOU that if something happens to me ( health wise ) as a result of this kind of behavior my family will come after you ( legally ) and you will have financial XXXX to pay.
Consumer complaint received 2022-07-12
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. (IL)

1I Sent my letter off on XX/XX/2022. 1 told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out and here is the Tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong and they couldnt have verified it I sent XXXX a 609 letter to get the info on the account and it was returned because they sold the account this information needs to be delete asap thank you
Consumer complaint received 2022-06-19
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)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-14
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. (FL)

WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO. (CA)

Chase keeps blocking my transactions on my credit card without my permission. I bought something online last night from amazon, chase blocked the transaction and didnt even bother to tell me about it until 5 hours later at 4 in the morning.

I have asked them so many times to disable this feature on my credit card because of the inconvenience it imposes on me. If I need to use my card in an emergency when I go on a road trip I dont want it getting blocked. It scares me to think about how they just arbitrarily pick and choose transactions to block for no good reason. 

Chase keeos ignoring my request to disable this feature. Asked them at least 5 times. 


Chase Fraud : Did you use card ending XXXX for {$12.00} at AMZN Mktp US on XX/XX/04? Reply YES or NO. Msg & data rates may apply. 

Chase : Thanks. The transaction wasn't completed. If you want to make the purchase with this card, have the merchant reprocess the transaction. 


Ive got 4 cards with chase I want this feature disabled on all 4 of my cards the chase freedom, chase XXXX, XXXX XXXX  XXXX and XXXX  XXXX.