davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit report act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX has violated my rights. 

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

15U.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 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Collection law firm based in XXXX XXXX, with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX office. ( Garnishment order carried out by XXXX, XXXX XXXXffice. )
Consumer complaint received 2018-05-14
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. (TX)

FTC ID Theft Affidavit attached. Please block the tradeline listed per 605B of the Fair Credit Reporting Act. Collection Account - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

On XX/XX/2019 I was made aware that Equifax placed an account back on my credit file which had been removed months ago, that account is : State XXXX XXXX XXXX XXXX. 

This is a fraudulent account and now it reappears on my credit file.
Consumer complaint received 2022-07-11
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. (AZ)

I sent a letter to XXXX, XXXX, and Equifax explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.
Consumer complaint received 2019-08-31
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. (TX)

data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (AZ)

I sent a letter to XXXX, Transunion, and XXXX explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a checking account with Bank of America in 2009. I received an overdraft charge of {$35.00} for being overdrawn by less than {$1.00}, if I remember correctly. I was a XXXX XXXX  without a job and just couldn't pay right away. Everyday I was charged {$8.00} for having a negative balance, and I was not able to close the account because it was overdrawn. They finally closed my account when the charges were over {$800.00}. I started to pay them back when I was able, making minimal payments every month. I had paid over {$1000.00} back and started to question them when my remaining balance was still over {$800.00}, like the original charge. I asked the bank to send me detailed accounts of why I still owed them so much money, and refused to continue payments until I got those detailed accounts. That is the last that I heard from Bank of America. Over 12 years later and I am still being refused bank accounts and credit cards, making it impossible for me to repair my credit. I recently had a checking account with XXXX XXXX and they refused to release {$200.00} of my own money so I could get a high risk credit card, stating they could offer me a better deal, and then again refused to give me one of their own high-risk credit cards because of the discrepancy with Bank of America XXXX
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
Consumer complaint received 2018-11-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (TX)

Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are not mines.
Consumer complaint received 2018-11-04
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)

XXXX  and Equifax have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (GA)

This involves an amount owed to my former apartment complex while Iwas in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. I received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. I was not familiar with the debt and taken off guard and I asked ProCollect Inc to call my father as he was the guarantor for my lease. He spoke with a representative about the debt. He also demanded payment from my father. My father asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my father nor I have ever received any correspondence from ProCollect Inc. My father told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. My father then asked the representative again to mail me one letter to verify the debt and he would pay it off. The representative refused and stated he could not help it if the XXXX did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my father 's credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing two disputes.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I filed a complaint about Santander consumer and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except XXXX, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on XXXX. I have sent XXXX the same document Santander sent the CFPB, but instead they opened up a dispute and Santander has came back and updated the TradeLine.

I have called Santander and XXXX   multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS XXXX, XXXX TRANUNION DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW XXXX, XXXX, TRANUNION VIOLATED MY RIGHTS.
Consumer complaint received 2018-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was contacting by a gentlemen regarding purchasing a companion airline pass. I was told that if I utilize XXXX to make the payment and the services will be provided. Once I made the payment the person deleted and blocked me. 
I contacted my bank and they advised me that the disclaimer that XXXX has states that they are not responsible for refunding me back the money. I contacted XXXX and was advised that they will not as well. 

My bank is chase bank. 
I used XXXX pay to complete transaction. 
Person involved is XXXX XXXX ( fake name ) Amount of  transaction. XXXX Date of transaction XX/XX/2018
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. XXXX has been a nightmare and complaints for them have been filed. Experian has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have some inquiries that are reporting on my reports that I did not authorize, I have no idea where they came from! When I contacted the creditors they told me it was all electronic and I needed to dispute with the bureaus, so I did starting in XXXX of XXXX. When I found out they were supposed to respond within 30-45 days but I never got an answer, I sent another letter on XX/XX/XXXX, Still nothing so I sent them in XX/XX/XXXX and XX/XX/XXXX through certified mail so I could track it. They were delivered but I have never received any mail from them showing that they were investigating or anything! This is not acceptable or legal.
Consumer complaint received 2018-11-06
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: JPMORGAN CHASE & CO. (OK)

Chase Bank has requested my credit report without my knowledge on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent written requests for proof that I had applied for these, Chase has not responded to any of the letters.
Consumer complaint received 2022-07-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (AL)

Was going thru divorce in XXXXfiled bankruptcy..I was also helping my kids with college expenses before getting my 100 % total and permanent and had a daughter on XX/XX/2021 then my son was born XX/XX/XXXX XXXXMost of my issues have been resolved just need help with my mortage..i was hoping that I could get the money owed added to the end of the loan..been hard worrying if I'm gone have a place to stay..
Consumer complaint received 2024-02-07
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. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

I received my statement on my XXXX XXXX XXXX Mastercard from Barclays for Statement Period XX/XX/18-XX/XX/18 with a balance of {$8000.00}. There was an interest charge for {$110.00} on the statement. I questioned the charge because from my previous Statement Period of XX/XX/18-XX/XX/18 which had a balance of {$8500.00} of which I made payments totalling {$6000.00} leaving a balance of {$2500.00} which I figured be subjected to the interest charge. 

I charged interest on {$8900.00} in the amount of {$110.00}, which I was told is the average of my statement of the year. They told me unless the balance is paid in full each month, you are subjected to interest charges based on the spending average, not the unpaid balance. 

This has to be incorrect or illegal in my opinion and I am looking for guidance on this issue.