davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXXXXXX {$1000.00} XXXX XXXX {$2600.00}
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX Did 2 Hard inquires on my account, on the dates XX/XX/XXXX and XX/XX/XXXX I did not authorize as I do not even know what XXXX XXXX  is. XXXX used a hard inquiry on me in XX/XX/XXXX for XXXX credit before I even began using credit Or attempting to on the dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-08
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. (IL)

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}
Consumer complaint received 2022-02-06
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. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN
Consumer complaint received 2018-06-14
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. (TX)

Equifax credit information services. Inc. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. Equifax added the amount and reaged without informing consumers. This is against best practices. Letter was sent to Equifax to remove account as it was recorded inaccurately account was then removed by Equifax. Then opened and added on!. Several letters has been sent to Equifax with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Hello Dear CFPB I applied Chase XXXX XXXX Credit Card and my application was denied and i think its very unfair and wrong decision .I got phone call from XXXX supervisor she told me i have too many cards open and i handled my credit too well and i do not see any negative information on your credit and thats why i will turn down this application. 
basically i was told to not handle my credit as well as i was handling and thus they will denied my credit card application. Also XXXX mentioned i am not utilizing my available credit which is not accurate because i just paid off my Chase XXXX Credit Card which was more then {$4000.00} balance. Please reevaluate my application and make fair decision. 

Thank you
Consumer complaint received 2018-05-23
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 (DE)

I opened a XXXX credit card with capital one in XX/XX/XXXX to rebuild my credit after bankruptcy. My account was kept current and I was offered two credit limit increases between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received and email from Capital One stating that my address has been updated and my new cards ordered. I did not complete that action so I immediately called and reported that activity as fraudulent. I Was told it would be investigated and I would be contacted. I was never contacted, my card was turned off and my online access revoked for my security. The next day I received another email stating that my new card had shipped and once again reached out to capital one. Again I was told someone would reach out to me. Between XX/XX/XXXX and now I have reached out to them on at least 5 separate occasions to even find out the status of the fraud. To this day I do not have card or account access. 

AT the time I reported the fraudulent activity my account was maintained as current and I had never had a delinquency. Once my fraud claim was submitted and completely mishandled, I lost access to a product that I had maintained my contractual obligation on through no fault of my own. 

Capital one has still never resolved the fraud claim despite my reaching out repeatedly and has now charged off the account. HUGELY impacting my credit. Falsely charging off an account and then damaging someones credit is a major violation of the FDCPA.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$490.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN BUSINESS CRED Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-16
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

American Express XXXX. Http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX  XXXX Invoice from XXXX XXXX XXXX  XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document Nbr XXXX Executive Office for XXXXmmigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX  CET ( Central XXXX Time ). Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX member XXXX
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: William C. Grossman Law, PLLC. (NY)

Greetings.. On or about XX/XX/2018 I received a summons to appear in XXXX City Court or face a judgement on a old credit card bill. 

I'm XXXX years old collecting Social Security and a Veterans XXXX Pension.. 

Under Federal and New York State law these funds can not be frozen or garnisheed.. As long as there direct deposited. Except under certain circumstances these funds can be frozen and garnisheed, and the banks supposed to know which is which. 


I did talk to a Legal Aid Attorney and my funds are not to be frozen or garnisheed. So therefore I'm not obligated to answerer the summons unless I wish to. Since I do owe the money I'd more than likely lose the case and a judgement would be won by the creditor or debt collector. 


What my Legal Aid Attorney mention to me is that sometimes the banks freeze and or garnisheed account when they shouldn't and it takes a month or more to get the funds released.. 


What needs to be fixed by congress is as fine of {$50000.00} on the banks for freezing bank accounts that are not to be frozen or garnisheed and a {$5000.00} payment to the person that the account was not to be frozen or garnisheed. 


I'm asking you to sponsor a bill to punish banks that drop the ball on making sure that the funds in accounts are not frozen or garnisheed when there not supposed to be. 


This bill would protect all people who are collecting funds that are protected under Federal and State Law in all 50 states not just New York State.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OH)

MY FEDERAL STUDENT LOANS WERE FORGIVEN IN XXXX OF 2022. THEY ARE STILL CURRENTLY REPORTING ON MY TRADELINES AS BEING OPEN AND UNPAID. I AM REQUESTING HELP THAT FEDLOAN SERVICING REPORT MY BALANCES AS PAID IN FULL AS THEY ARE NO REPORTING ACCURATELY.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my equifax report and notice their was a late payment reporting for XX/XX/2018. Although, this is 4 years ago I pride myself on having an exceptional payment history Im therefore requesting a removal of late payment. I have reached out to equifax and the website says 0 payments late however the payment grid still shows the late payment please help me
Consumer complaint received 2018-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (MI)

I received a letter from credit corp solutions inc . Claiming that they own the rights of a debt from XXXX XXXX and demanding full payment. I need full validation of this debt. I haven't heard anything from XXXX XXXX regarding this matter.
Consumer complaint received 2018-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX I received a postcard from XXXX XXXX XXXX XXXX requesting that I update my address with them, I called and I was told that I had 2 accounts with XXXX XXXX XXXX one was XXXX and the other one was in XXXX.And the amounts was {$640.00} and the other one was for the amount of {$170.00} cents, I explained to the rep that if I had owed that amount, I would not of been able to receive service with XXXX XXXX XXXX , and my services is active.She then stated that in XXXX I had agreed to pay, I then stated to her that is incorrect, I have never agreed to pay, and I am not agreeing to pay.I also informed her that XXXX XXXX XXXX is not showing on my credit report.I also called the Office Of The President Of XXXX XXXX XXXX and informed her of what Portfolio Recovery had stated and she then reached out to the XXXX XXXX XXXX collections and  Mrs.XXXX XXXX called me and stated to me that she had found something, but it was not in collections and she could not make me pay, and that XXXX XXXX XXXX does not use Portfolio Recovery as there collection agency, and she stated that she would be happy to back me up, and I needed to file a complaint on Portfolio Recovery.In XXXX I had received a letter from a attorney recording a class action lawsuit against them for calling people and harassing them.I have had several accounts with XXXX XXXX XXXX and I have never been told that I have to pay a back balance in order for me to receive services with them.Once again they is trying to start harassing me on something that I does not owe.I have changed my last name due to getting married back on XX/XX/XXXX XXXX.My name was XXXX XXXX, and now it is XXXX XXXX.
Consumer complaint received 2018-08-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (SC)

Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS certified receipt shows Ally received my letter on XX/XX/2018. After 30 days from the receipt of the validation of debt request, I received no response from Ally Financial. On XX/XX/XXXX I sent a follow-up letter demanding the inaccurate unverified information be deleted from my credit reports due to the violation of the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS receipt shows Ally received this follow-up letter on XX/XX/2018. Again Ally failed to provide me any verification or validation of the debt as required by law but did not delete the information from my credit reports. My complaint with the CFPB and intent to sue Ally Financial is based on the blatant violation of the FCRA Section 623 ( a ) ( 1 ) ( A ) by ( 1 ) Failing to validate the debt in question while continuing to report to the credit bureaus. ( 2 ) Verifying an account with the credit bureaus before my request for validation has been completed. ( 3 ) Knowingly reporting inaccurate, invalidated information .Documentation attached.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was having this credit card from XXXX.in XX/XX/XXXX they charged {$49.00} annual fee for the first time without my consent ..i told them that I don't want a card with annual fee .Then they said that I need to close the a/c which I did. But they won't repay the {$49.00} that they charged as annual fee
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX contacted me today from a random number that was XXXX ( yes, only a 5 digit number ). They first lied on my vmail and said they were from the XXXX department of verification and were looking for me ( they used my maiden name ). They not only called me but they called my husband and my mother in law. I have no idea how they obtained the phones numbers for my mother in law and husband. They left messages on my vmail as well as my husband and my mother in laws threatening to sue me for a debt. I called the number left on the vmail and spoke with a representative who advised me that I was in the process of being sued for an interest on a credit that was opened in XX/XX/XXXX and last payment recieved was inXXXX. They said they sent me paperwork but I never received it because it was sent to an address that I haven't lived in for over 5 years. I honestly don't know if they truly sent me paperwork.They said I had until close of business to pay or they would pursue the lawsuit. I feel like i was mislead by the company because after recieving an email from them my name was spelled wrong and when the lady verified my dob the day of my birthday was incorrect, also after I research the presumed debt was I found out that the debt was out of the statue of limitations for my state. I felt threaten that I wld be sued, liens wld be placed on my house and car, my bank account wld be garnished as well as my wages. They also threatened to serve papers to my employer. I feel like my rights as a consumer were taken advantage of because of the threats. I felt that I was forced to pay for a debt that I dont even think I was truly legally liable to pay for.
Consumer complaint received 2018-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NY)

I owed XXXX XXXX a {$3200.00} balance, in XXXX I negotiated with Diversified Adjustment Service, INC ( DASI ) the collection company for {$2100.00} to settle the debt. My bank XXXX   XXXX XXXX prepared the Bank Check and sent it to them with my Account # on it. Approx 3 weeks later, my credit union received the check back with the attached letter. The letter stated that they are no longer handling the account, send payments to " XXXX '' ... and listed the address. My bank did exactly that ( attached is the " new '' check and that same check after cashing ). After a few weeks I noticed that I received no notification that this was paid, so I called XXXX. I advised them that a check was sent to them, deposited, but my debt is still outstanding. They advised me that they never received a check!! As I stated, my account was for XXXX XXXX not XXXX. I advised them of the letter that they wrote to my bank, and that the check was cashed. They are stating to me that the check was sent back and the money put back into my bank account because the check was made out to XXXX, not XXXX. I then told them that " You are the company that told my bank to do that. '' and sent them the letter. I spoke to my banker she followed the direction of the letter, possibly thinking I made a mistake of the carrier 's name. I called my bank, the money was not deposited back into my account, the check was cashed and the money is gone. They attempted to have me pay them {$1500.00} now to settle. " I said no, you have {$2100.00} of my money, I'm not giving you more '' ... They said to me that they never received any check, and when I mentioned the letter again, they said " It could be  another Diversified '' ... I asked with the same account number? I apologize for the " ramble '' What I am attaching with this is the email from them stating that they will settle for {$2100.00}, the letter that they sent my bank along with the check for my XXXX account saying they are not handling the account, an email from my bank to me, a copy of the bank check before and after being deposited my DASI.. I hope something could be done, I would like to be able to find this money and get it back so I can talk to XXXX and take care of this. Diversified cashed that check and the money is somewhere. Please let me know what I can do to help .. Phone : XXXX email XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/year> I request for Transunion to remove XXXX from my credit report. They have not been removed and I have recently found out XXXX sold my information to another company who Transunion is reporting. I would like for this to be removed from my transunion report.