davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IA)

I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.
Consumer complaint received 2022-05-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX in XXXX XXXX, Texas Office Manager XXXX XXXXXXXX XXXX XXXXXXXX XXXX fraudulently reported a huge debit owed to National Credit Systems as a Retaliation to my filing of over charges to myself and other residents that included water bills that many were not required to pay according the the lease terms, to the State of Texas, filed a Disability & Race Discrimination claim, code enforcement and other major property issues to city and government offices. 

XXXX XXXX begun to refuse my rent on 3 different occasions, to force an eviction, in which, I prevailed, the Judge ruled in my favor each time. I had lived there for 3 years and never had a problem. Rent always paid on time not one manager before her refused my rent until XXXX XXXX XXXX came to the property. XXXX XXXX would not complete my work orders, she falsified ledgers and allowed many residents to live in dwellings where their ceilings fell in due to water damages ( I have pictures ). I requested to have hand rails installed due to my XXXX she refused on many occasions. This is the small of it. When she lost her last court appearance, she accepted my rent and offered to let me out of my lease with no penalties since I informed her I wanted to move 3 months prior to XX/XX/XXXX. 

XXXX XXXX provided my current XXXX XXXX XXXX a good rental history with no balance owed report on paper via fax. Now I learn XX/XX/XXXX about this HUGE false debit that was report to & for collections which will affect my rental history, in which, she knew this was my greatest concern after she offered to let me out of my lease. About a month after I moved ( according to the credit report date ) she/property management company sent the false Rent/Lease/Mortgage debit to XXXX, XXXX XXXX XXXX was only able to obtain my personal information from my current Property Manager, because she and prior and the following personal ( XXXX was removed from the property due to the discrimination complaint filed and 22 other residents complaints also, and I reached out to the owners ) LOST nearly every residents files once the company she was hired by, took over the XXXX XXXX XXXX. There weren't any Disabled Parking on the property, I advocated to the City of XXXX XXXX and the State of Texas to have disabled parking on the property. ) The care of the property and how the XXXX XXXX XXXX and its staff handled business can be tracked through Code Enforcement and the XXXX. They are 2 residents as today living in their unit with the ceiling falling in from water damages. 1 of the residents has cancer. The mold build and the water exposure in the whole unit. This resident can not even bath nor shower as of today of this complaint. This and others reasons are why I filed complaints with the State and other government agencies.
Consumer complaint received 2019-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted XXXX XXXX XXXX on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I sent XXXX dispute letters to Trans Union due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX # XXXX ( portfolio recovery ), 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 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I want to let to let you know that in my XXXX  company credit report, I have two delinquent accounts with Bank of America. I do not recognize the accounts in question because they are not correct, the reports shows I am delinquent in those two accounts I never opened. 
I arrived to the United States of America in XX/XX/2018, my residence was assigned in that date and gave my Social Security card was issued in XX/XX/2018. 
Before XX/XX/2018 I DO NOT have social security number assigned, no bank accounts opened or any credit cards.
Consumer complaint received 2018-04-25
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: WELLS FARGO & COMPANY (TX)

Phoned Wells Fargo Bank asking why they did a hard hit on my XXXX credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use Wells Fargo Bank. They use XXXX XXXX. No reason why Wells Fargo Bank created a hard hit then removed it. It will remain on my XXXX report for two years according to XXXX.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (FL)

Td bank cashed approximately {$98000.00} of counterfeit checks in my account and is refusing to reimburse me saying that per their agreement we had only 30 days to let them know I missed the first few checks and therefore it was closer to 60 days before we were fully aware of the issue. 

I think they should have picked up the activity because it was an account that had very little activity until this and they did nothing
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MN)

Received a promotional offer for 4 % interest rate on purchases made within the period, in XXXX, from Barclays. I called the company to verify my understanding of the offer ( that it applied to purchases made within the period, meaning that the interest rate would remain 4 % for the balance incurred within that period even after the promotion had ended ) and when they verified that was correct, I increased my credit limit and made a large purchase using the card. That has been the only charge on that card since then. 

I made regular payments and saw interest charges of ~ {$30.00} each month. On XX/XX/XXXX I received an email warning that the scheduled payment was lower than the minimum, even though I had changed nothing. Looking into it, I realized my interest charge had jumped from ~ {$30.00} to ~ {$190.00}. 

I called Barclays and they explained that my promotional period was over. When I explained that I had been explicitly told by a Barclay representative before making the large purchase that the promotion would apply to purchases made within the period instead of to balances within the period, the {$190.00} interest charge was comp 'd and I was told an investigation would be opened to review the account. 

On XX/XX/XXXX I called again to ask about the status of that investigation. The first representative repeatedly gave me incorrect and conflicting information, telling me that the investigation was ongoing, concluded, and never occurred at different points in the conversation. When I instructed her to close my account because I don't do business with companies that lie so blatantly, I was transferred to another representative who was falsely informed by the first representative that I wished to close the account because I don't use it. 

That second representative stated again that no investigation had ever been opened even though the {$190.00} interest charge had been comp 'd as promised during the initial call in XXXX. 

tl ; dr I paid ~ XXXX XXXX today to close an account with Barclays because they apparently will say anything they need to to get their customers to use their card or to stop complaining, no matter how false
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
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: EQUIFAX, INC. (PA)

CFPB Complaint # XXXX Equifax simply closed the complaint without action - stating they will send the information to the furnisher of the information and follow up The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 XXXX two months ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX  ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). 
Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2020-11-10
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. (UT)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX  is reporting Inaccurate last payment dates. XXXX is reporting my last payment date as XXXX XXXX. Transunion has no last payment date at all. XXXX has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (VA)

Made a payment with webpay through XXXX XXXX. Fiserv  sent the money to an account at XXXX  XXXX XXXX which is not my account. {$1400.00} needs to be returned to my XXXX XXXX checking account. 

Electronic Trace Number XXXX File Trace Number XXXX Pay to XXXX at XXXX Payment Date XX/XX/XXXX Payment Amount {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payee Bank Account Number XXXX which is not mine I have been trying to retrieve these funds since XXXX of XXXX with hours of phone conversations and personal interviews with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and FiServ XXXX
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (PA)

Look into BBVA, they merged with simple and moved all accounts to BBVA accounts, no one has been ablke to get access to our bank acocunts in over 4 DAYS!!! This is a class action lawsuit waitin g to happen. They told everyone we'd still have access to our accounts, please please take this seriously
Consumer complaint received 2020-11-10
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAP ITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

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

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2017-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

My son is XXXX years old and he lost his debit card. At that time he did n't have any money on his account, when he told me he lost his card i said there 's no money in it. my understanding debit card works when you have money in the account. When we open the student account with Chase, they said for student account we can not withdraw more than {$400.00}. After couple of days of losing the card we received a letter with the image of the fraud check my son 's name was spell wrong, signature was not my son signature, and the come from a company from New York and my son does n't have any connection to New York. IF IF my son did this check for deposit how come he CAN NOT write his own name correctly. Please check the deposit slip. This withdraw happened on XXXX for {$750.00}. And i was questioning the dispute department of Chase bank how come i have not received any alert from you guys since we signed for it, so the account drop to XXXX and also XXXX as returned check. After 2 days another withdraw fro ATM for {$1700.00}. Up to now the account has around -2500.00 and I have NOT received any kind in from and alert from bank. Meanwhile Chase freeze my account to have back up and they want to take the money from my account. I 'd like to compliant Chase bank since they did not follow the agreement, they did n't sent any alert, withdraw more than {$400.00} and denying my case after hours and hours on discussion the phone. we talked on the phone on speaker my son said these transaction are Not valid but they are saying he said IS valid when my son asked if I said, I want hear my voice but they said, '' sorry, we ca n't do that ''. I really do n't know what to do. Please Advise. Thanks so much