davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (IL)

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-27
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. (IL)

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, There is an account listed on my credit report for a debt that does not belong to me. I have reached out to Transunion 3 times by mail asking for any and all information pertaining to this debt and my requests have been ignored each time. This has been a span of over 3 months trying to get information on this account. I have now reached out to the Collection company ( XXXX XXXX ) as well and have not received any sort of response after 2 letters by mail. I am 100 % sure this account does not belong to me. I have never done business with this moving company XXXX XXXX and a XXXX. 

I have done some research and according to the FDCPA 15 U.S. Code 1692g - Validation of debts- my requests for validation should be fulfilled. 

So in all, I have been ignored by not only Transunion but XXXX XXXX as well. 

I am demanding that this account be deleted after 90 days of waiting for this account to be validated. I would like all information sent to me regarding the opening of this account. I did not order any service from this company so with this information I should be able to see how this was allowed to happen and hopefully by whom. I assure you I never contracted any sort of service by this XXXX XXXX  and A XXXX If I did, there should be some sort of documentation. Per my research this is a moving company so documentation should have been received by the person ordering the service. I want to see this document.
Consumer complaint received 2022-02-16
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. (PA)

I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (IN)

THE US BANKRUPTCY COURT SENT ME A LETTER STATING THAT THEY DONT EVEN REPORT TO ANY CREDIT BUREAUS EVER AND PLUS ITS SHOWING THAT ON ALL 3 BUREAUS IT WASNT SPELL OUT CORRECTLY IT WAS SUPPOSE TO REPORT U.S BANKRUPTCY COURT OF XXXX INDIANA AND ITS NOT SHOWING THAT AT ALL
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018 I had charges come into my checking account in the following sums : 1 ) {$190.00} 2 ) {$290.00} 3 ) {$15.00} 4 ) {$15.00} 5 ) {$12.00} Chase chose to pay the 2 largest bills {$290.00} and {$190.00} from {$500.00} in the account and then pay the 3 remaining bills of {$12.00}, {$15.00}, and {$15.00} which caused an insufficient fund fee of {$34.00} x 3 = {$100.00}.

If they had paid the smaller bills of {$12.00}, {$15.00}, {$15.00}, and {$190.00} from the {$500.00} balance I had in the checking account there would have been only 1 insufficient fund fee charge of {$34.00} instead of {$100.00}.
Consumer complaint received 2022-11-30
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (IN)

I opened an account with XXXX on XX/XX/XXXX not knowing it was a XXXX subscription until I received the email right after. I then called XXXX  within 2hours to cancel my account stating I did not know this was a XXXX subscription, they had already took a one month subscription for XXXX and I was told that I owe XXXX. I told them to cancel my account and that I did not want a XXXX subscription, my account was then canceled on XX/XX/XXXX and they stated I could not have the XXXX refunded and I still need to pay XXXX even if the account is closed.I let them know that I would not be paying for a subscription that I am not using and that I should not have to pay since closed the account. I was contacted on XX/XX/XXXX by a collection agency RFGI XXXX XXXX XXXX stating that I owe a debt of XXXX to XXXX and they would to collect this date within 90 or they will report this to the credit bureau and this would affect my credit. I ask them if they had my social security number she stated yes, I proceeded to ask how did you get my social security number I never gave my social security number to XXXX she told me that they had my social security number, and she then was able to provide me with my social security number in which I never disclosed to them or XXXX. I then ask for a supervisor XXXX XXXX to ask how did they obtain my personal information meaning my social security number.
Consumer complaint received 2018-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear Cir/Madam, Capitalone bank restricted my credit card use for fraud. I did nothing more than chaging the billing address. They have restricted my card for over half a year and with multiple phone calls never resolved my issue. They are very incompetent. Please investigate.
Consumer complaint received 2022-04-06
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance or close your account. This practice significantly changes your available credit to debt ratio which impacts your credit score greatly.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On Saturday XX/XX/XXXX at around XXXX XXXX, my Macy 's account was hacked into and the information was changed so that I could no longer have access to my account. My Macy 's credit card was linked to this account. My card information was compromised and used to make, only to my immediate knowledge, 2 purchases. One purchase was for {$41.00} and the other purchase ( which was auto cancelled ) for {$290.00}. I have attempted to reach different departments for Macys at the suggested call times and have been unsuccessful thus far. I have tried to follow the FAQ but do not have access to my account as the information has been " updated '' by the hacker. My card was linked to my checking account for auto bill pay and am afraid that my bank information and possibly social security could have been compromised. I am unsure what steps to follow as all the lines I have called for Macys have been closed due to COVID-19 and telephone operating hours were not updated. The individual who hacked into my account also created a new email address based off of my email address and have reported this to XXXX/XXXX.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST MIDWEST BANCORP, INC. (IL)

I have had accounts with First Midwest Bank for several years. First Midwest changed my accounts without notice and was charged a XXXX XXXX maintenance for an account being below {$100.00}. 

These accounts are labeled as free checking when I go to pay bills. 

This is how it is listed as of XX/XX/19 Show all payees sorted by name Pay from : FREE CHECKING When I Log in it show the account as follows FIRST MIDWEST EASY CHECKING, which you need have a balance of {$100.00} at all times to avoid a fee. 

I was concerned at asked about this on the First Midwest bank XXXX site. 
This is the response that I received : First Midwest Bank First Midwest Bank Good morning Mr . 

First Midwest is a very strong, healthy bank. As a business, we have to make decisions that allow us to continue to be competitive in a very competitive market. That may mean closing a branch, updating and adding to our product offerings, and even sometimes adjusting fees. 

Thank you for your message. 

I went in to the bank and closed out the account that was charged, so I would not get charged another fee. The banker closed the account and was bragging about other branches being open. 

I have two accounts still open with this bank. They are charging maintenance fees for accounts listed as free checking.
Consumer complaint received 2018-08-02
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. (CO)

I recently reviewed my Experian consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.
Consumer complaint received 2019-09-07
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. (NY)

I am getting hit on my experian credit report and possibly other credit reports by XXXX XXXX on XX/XX/19. I am looking over my records and I do not recall giving any permission to give a hard pull to there bank or signed over anything giving anyone permission. Under the fair credit act I had called the bank to ask them to send me the proof of this Inquiry which they never provided. I am looking to have this false information off my report. As it is fraud and was not authorized by me.
Consumer complaint received 2018-10-05
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. (CA)

XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on EXPERIAN, XXXX AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
EXPERIAN-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XX/XX/XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXXsays account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XX/XX/XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XX/XX/XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Consumer complaint received 2019-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S. code 1681s ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

You will see past complaints because I have been fighting numerous issues since XXXX. You just closed the prior complaint against Lakeview but they only addressed one of the two issues. They FINALLY realized their error in double paying a tax bill for XXXX and FINALLY reimbursed the amount and then redid the escrow analysis but they neglected to address the {$210.00} that they paid on XX/XX/2021 ( the same time they double paid the XXXX. 

This {$210.00} was a penalty payment that the prior lender charged to me in error. They admitted fault for not paying the tax bill from my escrow and after much effort Lakeview finally reimbursed me the fee. The money was sent from XXXX to Lakeview. Only to have Lakeview turn around and charge me again!!!. 

I am requesting the reimbursement of {$210.00} back to my escrow and then request that they once again run the escrow analysis. This is now going on 6 months that I have been fighting these issues first with XXXX and then with Lakeview. The beginning escrow shortage was over {$2000.00} all of which was errors on both lenders behalf. I am beyond frustrated!
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

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 2022-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I would like assistance with XXXX debts that are being falsely reported by XXXX XXXX XXXX. I believe these debts to be XXXX years old. 

They purchased XXXX debts of mine... XXXX from Capital one and the other from XXXX. 
These XXXX debts have XXXX been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to XXXX XXXX XXXX. and the credit reporting agencies, to date this has not been resolved. 

I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. 
I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. 

When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. 

If I am incorrect I will do the right thing but not one company will step up or provide any documentation.
Consumer complaint received 2021-07-13
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. (MD)

This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX Transunion, XXXX  are the agencies in question. 
I am submitting this complaint as the consumer, a natural person.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed accounts with XXXX  & Experian several times and nothing has been done. I received no correspondence or any results from the disputes I put in for the inaccurate items on credit. I have attached the letters I sent previously but there have been more. Please fix accordingly.
Consumer complaint received 2023-03-27
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. (IL)

XXXX XXXX 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the XXXX XXXX XXXX XXXX department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called transunion to see if they was notified and the XXXX XXXX department today to follow up about the letter but they hang up on me when I get to that point. Please step in