davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX NA Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CT)

XXXX had me sign up for a loan with XXXX financial to help with paying for car repairs. It was presented to me that it was interest free. It was only interest free for the first 90 days. After that an interest fee of % XXXX was added onto the loan making the balance go from 2000 to over 8000 owed. Even though payments were being made each month they reported to the credit bureau that payments were missed 2 times.. this is causing my XXXX XXXX to drop drastically. They are practicing predatory behavior, taking advantage. When I go to look up my contract, the website is always coming up in error and I cant read it.
Consumer complaint received 2022-03-02
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. (TX)

I am filing a complaint against TransUnion disputing these unknown inquiries. I have sent certified letter. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.
Consumer complaint received 2020-12-15
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: United PanAm Financial Corp. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX/XXXX  XXXX XXXX, UNITED AUTO CREDIT CO and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I completed my Loan Modification package the month of XX/XX/21 and have continuously been deceived by SPS about receiving a loan modification. This company is purposely deceiving me by LYING about documents sent via email. I have sent EVERY piece of documents asked for by this company and more than once. This behavior is a deliberate and repeated action and is a PATTERN conducted by SPS in an attempt of depriving me of a loan modification that has nothing to do with COCID-19 and NO I dont need a forbearance- this is what their employees are scripted to state on each call. SPS is deliberately denying me the ability to have relief and pay a lower mortgage.As you can notice how this company conducts its business thru deceit and lies in hopes. That I will just stop sending documents. SPS constant lying that documents are missing is ignorance on this companys part, asking for the same documents over and over. Please NOTICE how obvious SPS actions are. A VERY DELIBERATE PATTERN THAT IS REPEATED OVER AND OVER. As you can see from the documentation I have presented SPS has 18 instances of REPEAT PATTERNS of asking for DUPLICATE MISSING DOCUMENTS that already has been sent via email at Relationship.Manager@spservicing.com. I NUMBERED EVERY DOCUMENT I have emailed to SPS and have sent over 200 pieces of documents. 214 pieces to be precise and all I have to do is go to MY PAGE of this so called missing document, pull it out and email it to SPS again and again, over and over. Its as if SPS is upset due to my sending every piece of document they have asked for
Consumer complaint received 2018-03-13
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. (FL)

I submitted proof that the debt in question was paid in full and balance in {$0.00}. They are still refusing to remove false or paid debt from my credit report.
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CUSTOMERS BANCORP, INC (NV)

This complaint is related to current case # XXXX, involving XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX Instead of XXXX XXXX refunding me monies of $ XXXX, he instead referred me to this other investment program known as a XXXX XXXX XXXX being operated by a XXXX XXXX with the bank account registered under a business name of XXXX XXXX XXXX This involved $ XXXX being wired to this specific XXXX XXXX  account by XXXX XXXX XXXX bank , with XXXX bank not trying to contact me regarding me giving final authorization to complete this transaction, they just went ahead and processed the wire. It also has turned out that this investment program has been operating fraudulently according to the contract that is being used by XXXX XXXX and possibly operating as a Ponzi scheme were new investor money is used to pay old investors. 
I plan on providing proof of the wire transfer being submitted by XXXX bank on XX/XX/year>. Again this was done without me providing a final authorization. I have tried numerous times to request a refund of monies by contacting XXXX XXXX and XXXX XXXX with proof showing a request to XXXX XXXX on XX/XX/year> with no response from either party. The checking account which monies were wired to involved a fraudulent investment known AS a XXXX XXXX investment that never paid out profits and is possibly operation as a Ponzi scheme. For these 2 reasons I am requesting a refund of all monies previously listed to my account.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX All made Hard Inquires on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF THE WEST (CA)

I made regular payments to this Bank of the West ( credit ) Mastercard using their payment method through my checking account from another bank. The payment gets posted within 2 days without any issue ( and my checking account too shows that ). 

But the card puts a 15 days hold on payment -- which does not allow me to make subsequent purchases. 

I asked them why. The typical answers are ( i ) it's in our system -- we can not change it ( ii ) For all new customers we put such a hold ( which, I checked, is not true. My wife and some of my friends too opened this card at the same time. They don't have this issue. ) I have a high credit score. Irrespective of that fact, I do not understand the `real reason ' why such a hold would be on the amount that has already been taken out of my checking account and posted in the credit card account transactions -- and I would be blocked thereafter from using that credit-line for as many as 15 days.

The representatives ( to certain extent ) and especially the Supervisors have been very uncooperative and arrogant in discussing or resolving this.
Consumer complaint received 2019-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

EQUIFAX CONSUMER SERVICES LLC continues to list a fraudulent account ( XXXX  XXXX XXXX account # XXXX ) from XXXX XXXX XXXX XXXX on the credit report of XXXX XXXX ( last four ss # XXXX ) .This matter was settled in a court of law 3 years ago ( judgment attached ). EQUIFAX CONSUMER SERVICES LLC agrees that XXXX, XXXX can pursue legal action against EQUIFAX CONSUMER SERVICES LLC if said account is not removed within 7 days of receipt of this complaint.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft, which has significantly impacted my life. I am writing to dispute fraudulent accounts and information that appear on my credit. Please investigate this matter and delete the disputed items as soon as possible. I have attached an FTC report, my passport, social security card, and bank statement. Fraud Account XXXX XXXX XXXX Fraud account XXXX XXXX XXXX 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 2023-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 5 closed accounts with XXXX balance and they are still on my credit report Capital One/ Kohls/ capital one/ XXXX XXXX/ and XXXX credit card that is reporting on all the threes credit bureau
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

Chase was already sued for re-ordering transactions. I've mentioned it before and when I have, they reverse the charges ( generally ). I also have alerts for low balance and overdrafts on the account. 

On the morning of XXXX, I received an alert that I had an overdraft. The night before, there were no pending transactions of any kind to let me know the account would be overdrawn. I did not get an alert that my balance was low or that a transaction would process the night before. I checked it that evening and after midnight. 

The next morning, I saw an overdraft that appeared to have been done ( as all other overdrafts, with the largest item coming out, then the smaller one coming out after that, to cause 2 overdrafts instead of one. For one person, it may not be a big deal but I am certain that they make billions doing this, and I know they have been sued and settled for doing the same thing in the past, and they still continue to do it. The amounts were {$170.00} and {$15.00}. They have a policy that an overdraft of less than {$50.00} I believe will not charge a fee, but I believe they took out the {$170.00} item first so that the {$15.00} item would result in an overdraft. 

They will of course deny this, and they don't let you take screenshots of pending transactions so you can't ever prove it unless you use another device to take a photo or do an online screenshot, which is what I have done in the past when I called them out for re-ordering. They claim that they do it because the larger items are probably more important, but that would only make sense if the smaller items didn't also get paid, too. They have pretty much always returned the funds, because this is a known practice and they apparently did not make any changes after the last settlement. 

More needs to be done to protect people from these practices. I had the money to cover it, thankfully, but they keep taking {$34.00} from all of their customers for doing this and end up making a lot of money as a result. They should be required to tell you if an item is processing. There's no way that they don't see that from their side before it shows up the following morning as processed. They also should have to process payments in the order that they come in.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-07-30
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. (TN)

I received Dispute Results Report # XXXX for XX/XX/20 but Partial Account Number XXXX for XXXX XXXX XXXX still is being Reported as a Derogatory Negative Item ... 

I have Evidence that the Account is Fully Paid ... On Time Payments from Experian ... 

They also are Reporting One Late Payment which is Incorrect and Inaccurate ...
Consumer complaint received 2023-03-29
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: DISCOVER BANK (NY)

I am writing this complaint to DISCOVER BANK. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. 

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-03-02
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: Credit Bureau of Carbon County (CO)

XXXX XX/XX/2022 I submitted a CFPB complaint about XXXX XXXX XXXX XXXX I sent them a debt validation letter to prove that the alleged debt they say I owe belongs to me and they send me back a bill demanding me to pay and I dont recall any services with this company and Im not even sure how they obtain my medical information without my consent Which is infringement on my consumer report to privacy as well as a consumer violation and a HIPAA violation Which is damaging my reputation as a consumer
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

TWICE since receiving a credit card from Bank of America, they have pulled a credit report on me, and then sent me a letter regarding another credit card from them that I have applied for. They follow up with a letter to call them to verify the information on the application. 

I have NOT applied for any other credit cards from BofA. In both cases a called the number on the letter, told them to cancel the application, remove their inquiry on my credit, and to not do it again. 

If they want to try to get me to sign up for another card, they should contact me first and get my approval to check my credit, not the other way around.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC. (AZ)

Line of credit open in my name without my consent by a perpetrator that is unknown. A clear act of identity theft with me as the victim. This is a complaint since there were not proper enough checks in place to keep this from happening.
Consumer complaint received 2020-07-30
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: JPMORGAN CHASE & CO. (CA)

XXXX Dear customer service, I received an email from XXXX  XXXX  that my Chase bank sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is Chase bank. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to Chase bank and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that chase bank will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.