davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ATTENTION TO XXXX  XXXX XXXX ( XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I made a check deposit {$300.00} on my Checking Account. On XX/XX/2018 the available balance was {$240.00}, BOA rejected a payment of my XXXX XXXX {$220.00}, charged {$35.00} returned item fee, hold {$100.00} for deposit hold only available XX/XX/XXXX at XXXX XXXX PT.

On XX/XX/2018 I went to the bank, the Bank didn't solve the problem, asked me to wait until XX/XX/XXXX. I asked to close my account, have my money to pay the rejected loan, the Bank told me that it was not possible. 


Bank Information : Case ID XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

To whom it may concern, Last XX/XX/XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( XXXX XXXX ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then Chrysler Capital, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth XXXX less than what we paid for it!! ) just after 8 months making hefty payments, of XXXX more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into chrysler dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from Chrysler Capital showing paid as agreed, but with the wrong date of XX/XX/XXXX not XX/XX/XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. XXXX XXXX had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as Chrysler is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as Chrysler, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: F.H. Cann & Associates, Inc. (IN)

I submitted required documents multiple times over the last year. Only in XXXX would they acknowledge receiving documents. Emailed documentation was bounced back with mailbox is full I explained this to customer service and was told we can still receive documents when that happens. I mailed and faxed documents which were never posted to my account. My loan status has not been updated to my credit report for months. FH Cann states it is the fault of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX states they are waiting for a green tag from FH Cann. This has been an ongoing problem and I am told each time I call wait a few more weeks.
Consumer complaint received 2022-09-16
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This is a partial copy of a letter sent to USAA. A full copy will be attached USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern Regarding Dispute Claim # XXXX My Card ending in # XXXX Amount {$3200.00} After dozens of calls to USAA stretching back months. A recorded XXXX way call between myself, USAA and the company, XXXX. A letter to USAA XXXX Offices in which I received a return call again reiterating the facts presented in my calls and correspondence with USAA, I received the most recent USAA standardized response sent to my email, with no named person, no returning email, and the same standard request asking me to again call and regurgitate the identical facts I have repeatedly stated dozens of times When I was speaking with corporate offices, in response to my letter, I asked for a review of the supporting documentation I provided and that was provided in the 3 way recorded statements of the XXXX representative while on the call with a USAA representative and myself. The recorded statement from the XXXX representative clearly indicated that XXXX refunded the amount in question to USAA. Rather than USAA providing me with any documentation and or explanation for their most recent response, instead USAA sends me a boiler plate standardized email response. 

Additionally when I spoke with a representative from the corporate office I requested that I be contacted my mail or via email by a named individual verifying the facts in the case. I asked that if USAA chose to contact me via email and from a named individual I requested the email be one which offered an ability to respond rather than the typical 'no reply emails. But sadly USAA chooses to refuse to engage in a dialogue that deals with the facts, with which, they are in possession. Rather USAA capriciously and arbitrarily issues form letters of denial with decisions apparently predicated on their own best interests rather than the facts or their customers.
Consumer complaint received 2019-04-05
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. (TN)

Identity theft victim, ongoing challenge to clean-up credit agency data. XX/XX/19 - Experian online continues to kick me out of online access due to information provided not matching their records. Phone number provided as I get kicked-out, but because their data is wrong I can not get past IVR to get to a human to discuss. 

In addition to not providing me with a credit report as allowed by law, I have a security freeze in place but urgently need it temporarily lifted for loan application. I am stuck due to their unwillingness to allow human conversation, and can not get past digital wall due to their data being inaccurate. 

Please assist?
Consumer complaint received 2018-11-16
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. (CA)

XXXX XXXX XXXX appear on my credit report and this is a fraudulent account. I have sent all legally required paperwork i.e. police report which identify the items, notarized statement of truth, proof of identity to both the collection agency and credit reporting agency mentioned and neither will comply with the law and remove the fraudulent item from my report. I am a litigious customer and this is my last attempt before, I exercise my rights and sue the company for each violation of the fcra and fdpa. Please note this has been disputed with the credit reporting agency as well as the creditor XXXX XXXX.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

ON XX/XX/2019 I APPIED FOR THE XXXX XXXX XXXX BY XXXX XXXX, THEY PULLED EQUIFAX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (IL)

someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections le tters until the point of it being sent to an attorney office. I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. My request for information have not been addressed.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have perfect credit until someone used my XXXX card fraudulently. They charged {$270.00} and the bill was sent to a different address prior address. I had not used this card since XX/XX/2016. These charges showed up and have been proven by XXXX as fraud. They will not supply me a letter removing the 1 30 day late, 1 60 day late and 3 90+ day lates or a letter stating XXXX balnce. This has crippled my credit score and causing me delay in purchasing a home that is closing at the end of the XX/XX/XXXX. They promised after another 1.5  hour long phone call 5 letters to be sent by email clearing this up and now they refuse to send them. They say it will take 60-90 days for them to submit letters to credit bureaus, where if they provide the letters my loan officer can fix my credit in 3 to 5 days. I have spent 10 hours over multiple days. This is inexcusable
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (CT)

I don't know if these practices are legal, per say, but I wanted to make someone aware. I made a purchase from XXXX XXXX XXXX XXXX in XXXX XXXX, CT. They outsource their financing " promotion '' through American First Finance and that is the company I am complaining about. The offer was to purchase a mattress with no payments for 60 days and no interest for the first 6 months. It wasnt until after signing up did we find out there was a {$50.00} early payoff fee ( on top of the {$50.00} for applying for this service ). When going online to make payments, there was no easy option to do so. They do not let you remove or edit your account information ; only add new accounts. They also had prescheduled payments through the end of the year ( XX/XX/XXXX ) without my permission, to be automatically debited from my account. This would put me way past the 6 month " no interest '' time frame, and I had not option to change or remove. I made a {$75.00} payment on XX/XX/XXXX and the website gave the option of counting towards your next scheduled payment or not. I chose to count towards my next scheduled payment and the website populated a next auto-debit date of XX/XX/XXXX ( {$24.00} ). They then debited my checking account on XX/XX/XXXX without my permission. Attempts to rectify with them were useless. I decided to just pay off the remaining {$160.00} balance and any fees. They accepted my payoff, deactivated my online account immediately ( not sure why ) and then emailed a reciept of payoff. Two days later they debited a different account that was used in determining my credit qualifications, over {$500.00}. I called and they confirmed they debited in error and do not know where this amount came from since my balance was only {$160.00}. They said they would return the funds in 7-10 business days. In the meantime, my account is incurring late fees. This is the worst finance company I have ever dealt with and I am concerned that they still have my account information.
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

the accounts listed in the documents i provide i have disputed over and over and im giving you more information and failure to delete these items permanently will result in a lawsuit for not doing a proper investigation showing that these accounts are the result of identity theft.im uploading my identity theft affidavit which was signed and notarized at police department
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have called Portfolio Recovery numerous times to stop calling me. They are looking for someone else. They repeatedly call, threaten, etc. They even started calling my place of employment looking for someone else. When ever I call them to tell them to remove the number that it is wrong, they get nasty and hang up on me, forcing me to have to call back and give them the other 3 numbers that they are calling. This is happening on a daily basis before XXXX, every 15 min or so on my cell phone, then they call my place of employment multiple times per day and fill up my voice mail with silence. If I answer the call I get silence. This has to stop. I have sent a written cease-and decist, even threatened to sue them all to no avail.
Consumer complaint received 2018-11-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent letters to the credit bureaus. I had discovered errors that I wanted them to investigate, and this letter requested that. I was supposed to hear back from them within thirty days, but I have not.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Hello, This involves all my personal information data hacking that has recently been affecting my credit score and also my XXXX XXXX XXXX accounts. I am a victim of identity theft and have reasons to believe it has come from Equifax. I have never experience any bank account being compromised until this. I have been forced to close all my bank accounts, credit card. Now, Equifax has lowered my credit score.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX ; I attempted to get my online annual credit report from Equifax, and they denied my request. They ask 4 questions to prove my identity, but obviously there must be some false info on my credit file about my opening an account in XXXX ; which I did not. So now they will not let me see my credit report to check if the info is correct, I tried the phone number, but they said that I am not qualified to get a free credit report even though I have been recently denied credit. What a scam, they harbor false info about me me then they block me from being able to check, which prevents me from correcting it. They should be subject to huge fines for this!
Consumer complaint received 2023-07-25
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. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-25
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. (TN)

By the provisions of the Fair Credit Reporting Act, I am sending request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX  a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. 

Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified.

I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.
Consumer complaint received 2019-04-05
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: Conn's, Inc. (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire or even do an investigation. This is a violation.

The letter sent back was dated XX/XX/19 past 30 days. This company willfully violates the FCRA.