davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MD)

My vehicle was repossessed on XX/XX/XXXX at XXXX XXXX in the morning. I had a schedule payment of {$990.00} that was returned on Monday by my bank. I made a {$250.00} payment via XXXX XXXX on XX/XX/XXXX and call to reschedule the {$990.00} for Friday XX/XX/XXXX but was locked out of my online account. 

I never received the certified notification required by the state of Maryland. Ally Financial keeps directing me to call the repossession department. 

When calling the repossession department I get disconnected when I enter my account number or social security number. The customer service department can give me no information about why it was repossessed and has not sent any notification of repossession. 

Ally also doesnt not accept certain credit card transactions with no explanation. They take days to process scheduled payments also.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2018 I reported a fraudulent charge of {$480.00} to Capital One, my credit card company. The company has since issued three adjustments ( debits ) of {$480.00} and three adjustments ( credits ) of {$480.00}. The original fraudulent charge was not reversed. I have spoken with several reps. in the Fraud Department, left messages which were not returned ( XXXX ) and sent two letters, dated XX/XX/XXXX and XX/XX/XXXX disputing the {$480.00} debit. I sent the XX/XX/XXXX letter with copy to the corporate CEO for which I received a postal certified receipt. I have not heard since.
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

Discover is reporting a debt on my XXXX report as being owed. This is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. I have now submitted disputes to all the bureaus accounts for them to validate this debt on my report and to provide the written and signed contracts reporting the debt. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from my credit file immediately. All this is causing me so much emotional stress and I will move forward with legal action if not. Thank you.
Consumer complaint received 2022-03-27
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. (NC)

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
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OH)

I tried to start driving for XXXX and XXXX. I told XXXX that whatever background check they have is old and inaccurate. XXXX did not let me sign up. XXXX uses the same company and the background is coming back with adverse info which is incorrect.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2021 I wrote a letter to Experian concerning incorrect personal information that I found on my credit report ( 4 addresses and 1 phone number ) and that I would like the incorrect personal information to be deleted by Experian. On XX/XX/2021 I mailed the letter via USPS Certified Mail with returned Signature Confirmation to Experian. I received back the signature confirmation from Experian via USPS indicating that they did receive my letter on XX/XX/2021. On XX/XX/2021 I received a response from Experian via their online portal that they deleted 2 of 4 of the incorrect addresses from my report and deleted the 1 incorrect phone number from my report. But 2 incorrect addresses were not removed by Experian from my report and 2 incorrect addresses still remain on my report.
Consumer complaint received 2020-11-10
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. (IN)

on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I contacted ChexSystems about what is on my report since none of the banks I applied for membership never provided me the report. ChexSystems never contacted me.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (VA)

On XX/XX/ Deposited in Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I deposited a Cashiers check for {$2300.00} and they closed my account and are holding my money for 30-60 days and I need my money for rent. 

My Citibank account is : XXXX Routing Number : XXXX
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I currently have a charge account at Best Buy here in XXXX, TX. An old account number was replaced by a new number. As a result some of the payments that I made via my online XXXX XXXX XXXX account was made to the account that was supposed to be closed. As a result confusion started. Basically, I have only charged XXXX item to the account in the last XXXX to XXXX  months. It seems that they are charging me for items that I have not received. Over the course of 18 months the company has made XXXX refunds to me due to my overpayment. On around XX/XX/XXXX for {$280.00} and another around XX/XX/XXXX. Most of the time I call the Company to solve the problem i get different people who say different things concerning my account. On XXXX XX/XX/XXXX I wrote a letter with payment info on it in an attempt to resolve the problem to no avail. it appears to me that I have paid more than enough to cover what I am responsible for. I just want clarity and transparency on my account. XXXX attachments made.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC (UT)

I had someone deliver someone else 's summons for their credit card debt to my house instead of the proper persons house. The guy knocked on the door and then just left the summons under the door mat. This debt clearly isn't mine yet, I know all about who this person is and the debt they owed. Violates privacy rights of this person and harassed me unnecessarily. 

This same person damaged my video doorbell when delivering some other summons. 

I am sick of being harassed about debts that don't belong to me.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

I have a joint account with my ex wife. the divorce decree from the judge gives the property to my ex wife and makes her 100 % responsible for the payment. I have sent the decree to the bank and had multiple calls with no resolution. When she is late they report on my credit. By court order I cant and dont have the ability to pay
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

I had been trying to to contact Commenity in XXXX but had trouble with the website. My bill was due on XX/XX/XXXX. I had try to contact that by bill would be delayed beforehand. I sent my bill in on XX/XX/XXXX to pay {$1500.00}. The website was down. After processing they had charged me a late fee and also out of nowhere reduced my credit limit to below my balance, lowering my credit score and causing an additional host of problems. The company has been unreachable and website has been down for weeks.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

My first call to Chase was on XX/XX/2021. I had a large credit balance, which credit card companies are required to refund under regulation Z. Most credit card companies are usually very eager to credit balances resolved because of the potential regulatory issues, so I didn't anticipate any issues. I was told that a check would be sent, and the credit was deducted from my account. 
When no check showed up after several months, I called back. I was told that I would get an email asking about my refund preferences within several days, and a check if I didn't respond. My contact info was verified and I checked my spam. I didn't get an email or the check afterwards. 
This morning I called Chase the third time. The first employee was very up front with me that he couldn't help me, and transferred me to his supervisor, XXXX. XXXX said she needed to email corporate, and then the call mysteriously disconnected. XXXX had my callback information but chose not to call back, so presumably this disconnect was intentional from her end. I tried calling back twice more. The IVR disconnected on me once. The other time, a representative named XXXX answered. When I expressed my request for a supervisor the call again " dropped ''. 
We're coming up on XXXX months of me trying to get a refund, and I have absolutely no reason at this point to believe that Chase has ever sent one -- though they were very eager to take the money out of my account. I haven't used profanity or done anything to merit them disconnecting the call, but that seems to be their solution to try to avoid giving me that refund every single time.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I reviewed my credit report and saw an account in collections from Capital One. I have a Capital One credit card and kept disputing the item until I find out it was being reported as KOHLS/CAPITAL ONE. I immediately filed a complaint with the FTC since I have never used or opened an account with Kohls. I am a victim of identity theft and have filed complaints with law enforcement. I have begun the process of removing all items negative on my credit report that have never been opened by myself. I am attaching the proof of identity theft. 

I tried to contact the number for Kohl 's and was told they would not talk to me or dispute the item because it was done in the past. I explained to them it was not me who called or disputed anything previously, but they did not want to assist me. I explained and relayed my phone number, email address, and other personal information - all of which did not match the account with Kohls. I was told there was a letter mailed out to me, but I never received it. Approximately two weeks ago, I received a letter addressed to my previous legal name stating there would be no dispute opened due to disputes closed in the past and initiated by somebody pretending to be me and using my information fraudulently. 

Lastly, I was told the item is not being collected on and all collection activity has stopped, but it is still negatively reporting on my credit report. If this is not resolved, I will be forced to pursue legal action and help prosecute the identity thief to the fullest extent of the law.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state.
Consumer complaint received 2019-08-06
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. (UT)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-08-06
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. (GA)

This is regarding an account listed on my credit report byXXXX   XXXX XXXX XXXXunder account # XXXX I sent a dispute letter regarding the information that XXXX  and Experian reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times XXXX and Experian responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation ( attached ) from XXXX XXXX showing a balance of {$7600.00} since XX/XX/XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that XXXX   and Experian could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date Experian has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from XXXX XXXX XXXX   XXXX that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ACCT # 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 2021-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

My insurance company has uploaded insurance verification to Truist three times. I keep getting letters that say that I do not have insurance. I have tried calling but wait times at over two hours even though they announce 30 minutes. After an hour or two they system cuts you off and you have to start over. Today I went to the local branch and no officer would speak to me about the problem. I left a copy of the XXXX Page that show Truist as a named on the policy with XXXX XXXX at XXXX. I tried calling the number listed on their SEC filings but it is an auto attendant that will not let you get to a human. Please help
Consumer complaint received 2019-08-06
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 (GA)

This is regarding an account listed on my credit report byCAPITAL ONE AUTO FINANCEunder account # XXXX I sent a dispute letter regarding the information that XXXX  and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times XXXX and XXXX  responded by stating that they full verified the information on the account as  100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation XXXX attached ) from Capital One showing a balance of {$7600.00} since XX/XX/XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that XX/XX/XXXX and XX/XX/XXXX could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XX/XX/XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from CAPITAL ONE AUTO FINANCE that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (GA)

US Bank tried to contact me on XX/XX/28, regarding the application for a credit card. That person was trying to get me to confirm information and I knew it was a phishing scam!! Now Ive received two letters in the mail, informing me that the information in the application couldnt be verified and so the application was denied. I called US Bank but the department that handles this issue s closed for the day. One of the reps was kind enough to give me the FTC.gov website, for reporting this immediately. She also confirmed that the number that call me to confirm is NOT a US Bank phone number.