davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (FL)

I excercised my rights under the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) and ( 7 ) and requested of Experian there method of verification as it pertains to a XXXX XXXX XXXX account that was been reported on my credit report. They got my request on XX/XX/XXXX and the Fair Credit Reporting Act states that the credit bureau should provide me with such information within 15 days of getting that request. Up to today XX/XX/XXXX Experian has not sent me the method of verification used to determine the accuracy of a XXXX XXXX XXXXXXXX account that has been reported on my credit report. This is a clear FCRA violation. During the past year I have filed numerous complaints about this but they have ignored my complaints. The XXXX XXXX XXXXXXXX account continues to be reported incorrectly on my credit report. The Fair Credit reporting Act clearly states that if the credit bureau fails to provide there method of verification within 15 days of the request been made then the account should be deleted from the person 's credit report. 
Kindly delete XXXX XXXX XXXXXXXX from my account immediately. I have enclosed a copy of the letter I sent to experian requesting the method of verification. I have also enclosed a copy of the receipt from the postal service showing that Experian got my request for the method of verification on XX/XX/XXXX.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.
Consumer complaint received 2022-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (GA)

XXXX of year 2017, for Consumer Portfolio Services , Inc. Offer me a loan for XXXX XXXX and 72 months to pay it off with high interest. Considering the circumstances, I sign the contract. Fast forward Im in my 5 year and was very excited that I was only 1 year too pay this loan off after I paid over XXXX. I was disappointed that the company gave me a statement provided that I still owe XXXX and after I call stated my payoff will be a couple of years from now. I am a hard working XXXX that pay the bill on time and very accountable and dependable. This is company need high attention and investigation. Totally untrustworthy, harassing, fraud, embarrassing, most important negligence of contract. Provide false statements on bills to me and perhaps other customers need to stop and respect good clients that pays there bills not to be ripped off, please support, thanks in advance.
Consumer complaint received 2021-10-29
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. (MS)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed these three collection accounts with the credit bureaus and I have just sent my 6th letter last XX/XX/XXXX. I would like to know how the credit bureaus actually do their investigation? I can't seem to get the accounts corrected or updated. The reporting still appears to be erroneous. The date of last activity for the XXXX XXXX account for example. The date cant be reported on different months since there is only one creditor which is XXXX XXXX XXXX It shows that the date of last activity in XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. How is the date reporting inconsistently? The credit bureaus are unable to correct and validate this and I've been trying to resolve this and dispute this as well with the collector directly. The credit bureaus are still unable to verify and validate the reporting of these accounts.
Consumer complaint received 2022-05-15
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. (GA)

The following inquiries are not authorised by myself. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-15
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. (GA)

The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX
Consumer complaint received 2021-10-29
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: Continental Finance Company, LLC (IN)

I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Disputed with the company on XXXX. Company received my dispute on XX/XX/XXXX, XXXX XXXX as it shows according to the certified mail. It is now XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, but I have not gotten a response.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OR)

Chase has predatory practices when it comes to overdraft fees and insufficient funds. While most banks will allow you to stop overdrafts by declining charges that come through when you do not have the funds to cover it, chase continues to allow it to occur. I have requested with representatives numerous times to not allow this, however it has continued to occur. Additionally, if multiple items come through at the same time, you will be charged a fee for each individual item, instead of a fee for the occurrence. Which is also extremely predatory. For example, say I had {$80.00} and bought {$80.00} in groceries, say another transaction posts before this for {$150.00}. I will be charged two fees instead of one had my intended charge came through as expected. Normally I understand overdraft fees are due to the individual not having enough funds, but the way it is practiced with chase is to take advantage of the consumer. At this point I have over {$500.00} in fees they refuse to waive. As this is almost a paycheck for me, their practices will just continue to snowball my account. Additionally their customer service refuses to help in any regard, no over draft protection and refuse to waive fees. Choose to bank elsewhere that has better account protection.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Follow up to a complaint you closed. Chase has not given my money back in accordance with their own agreements. They said in accordance with " XXXX '' they had no right to hold funds in savings account. See XXXX XXXX XXXX Chase consistently holds funds. Their attitude is if you put money in, it is up to them if they want to give it back. 

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 XXXXXXXX and XXXX ' banks investigated and several days later returned the money, but their accounts were nearly drained during that time. 

XXXX said his bank, Chase, did not send a refund, but when the I-Team got involved Chase said : " We reviewed XXXX XXXX 's XXXX and made sure his funds were returned.
Consumer complaint received 2023-06-10
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information of my inquiries without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove/ block these inquiries from my credit file. I need the following inquires to be remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, TXXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (UT)

XXXX XXXX XXXX reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with XXXX AND the credit bureaus ( mainly Experian and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Three times a fraudster has " transferred '' all of the funds out of my California XXXX XXXX Bank of America account : {$3400.00} on XX/XX/2021, {$3400.00} on XX/XX/2021, and {$3400.00} on XX/XX/2021. I filed claims with Bank of America after each incident and funds were returned to the account several weeks after the XX/XX/XXXX and XX/XX/XXXX fraudulent transfers. However, despite asking Bank of America to let me know if and when funds were returned to my account, I was not notified by Bank of America and didn't even know that the funds were restored before the fraudster ( who clearly was alerted about the funds ' restoration ) " transferred '' the money again. I have spoken ( after endless waits on the phone ) to numerous Bank of America representatives in their Protection, Complaints, and Transfer departments to report these fraudulent transfers and try to prevent these transfers from happening again and followed all of the steps they told me to follow, but despite my efforts these fraudulent transfers have now happened three times. I tend to get different answers and different " solutions '' to each person customer service representative I speak with. One B of A representative told me that the fraudster is clearly hacking my Bank of America online account, plugging in his email, phone number, bank account, etc. and even fake " security '' questions there. i, however, DO NOT HAVE ACCESS TO THE MY ONLINE BANK OF AMERICA EDD ACCOUNT ( whenever I try to log in I am told I have the wrong " security '' information. When I asked that the online account be removed and/or put on hold the representative I was speaking with told me this was impossible. 
I am at a loss and fear that even if/when the funds are restored to my account they weill be transferred by the fraudster a fourth time, since he has access to and is being given information that I do not have.
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (CO)

I have 1 student loan over 10 years old that was charged off and sold..The loan is now showing as 19 closed accounts on my credit report, with all three reporting agencies. I have disputed over and over. The negative marks are removed and just added, again. Ugghhh!!! What do I do? I'm good with credit, I work hard and my credit score is low 500 's. How do I move on and get these negative fraudulent marks permanently removed from my credit report??? This is illegal, the original company wrote it off as a tax write off and sold the account. I have no binding contract with them. I want this removed permanently from all three reporting credit agencies.
Consumer complaint received 2015-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am in the process of applying for a loan from HSBC. The loan consultant was not familiar with FICO scores and the various scores or methodologies of FICO. She stated that you need a XXXX FICO to qualify for the best rate but she could n't tell me whether they were using a FICOXXXX, FICOXXXX or FICO Mortgage XXXX score. I had to ask multiple times and had to send her a link from a google search as she continued to say that they just take the middle of the XXXX FICO scores. Her sales manager provided this response. 

HSBC utilizes a mortgage origination system to order credit from all XXXX credit bureaus via a vendor. 
Our loan officers have no control in credit scoring and we are not educated about " different methodologies or versions ''. 

I apologize for not able to answer your credit scoring question. 
Please feel free to contact Office of the President at XXXX extension XXXX should you wish to escalate your inquiry. 


Unfortunately this was after HSBC had already run my credit. They gave me my XXXX scores but could n't tell me which scores they were. I am surprised that mortgage consultants at HSBC do not know this information and have not been trained to better answer these questions before pulling someone 's credit. It does n't mean anything to say that a customer can receive the best rates if they have a FICO of XXXX yet they ca n't tell you what FICO version that is.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MI)

My book bag was stolen from my XXXX locker while I was on vacation. It included my phone case, which consisted of my Drivers license, some credit/debit cards and my social security number. Three of my cards were used. Someone tried to open additional credit lines. I have made a police report which I have submitted and I have a XXXX lock on my Social Security number. XXXX reported it to XXXX and XXXX. I have a copy of the letter they sent out. I have already disputed these transaction with Comerica Bank. I have received a partial refund. I asked to speak with a supervisor in the claims department and was bluntly told no. My only option left is a small claims suit, which I do not want to pursue, but I refuse to let someone take my money, especially clear my bank account and leave it in the negative. I know how Regulation E works and this is not how.
Consumer complaint received 2022-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXXXXXX XXXX, fl XXXX XXXX XXXX {$740.00} Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX. Fhone XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America business credit card that me and my business partner open, after a year i sold my part of 50 % of my business to him by notary to take care of that credit card payment, he is no were to be found and now bank of america withdraw XXXX $ on the XX/XX/19 from my checking account and paid the credit card account with out my permission.
Consumer complaint received 2022-05-15
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: SYNCHRONY FINANCIAL (CA)

These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX XX/XX/XXXX ( XXXX ) Associated with fraudulent po box
Consumer complaint received 2022-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX amountXXXX  XXXX   acc# XXXX*capital one XXXX XXXX acc# XXXX XXXX XXXX XXXX