davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (TX)

There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (SC)

I sent XXXX  request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the Equifax data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per US law.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Credit Karma (CA)

I Got a XXXX account from Credit Karma and they locked my card for reason did inform me or tell me why I have thousands of dollars in my account that I can not access and it is the only money I have to take care of my family.
Consumer complaint received 2021-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 I went to Drive through of Wells Fargo on XXXX XXXX XXXX, PA. And retrieved money. The agent who assisted me reached out to me and informes me she gave my Driver License and Debit car to the wrong car and she was going to call them so they can return it. She asked for my phone number so she can call me when they drop my card off. I parked and immediately I went inside to talk to the manager. All they say was they can cancel my card and give me a new one. I brought to their attention whoever got my card they knew everything about me. My name, date of birth, DL number, My address, everything and the manager stated again all they could do was to give me a new card. So I am reaching out to you because I am extremely upset and their own policy is to protect my personal information and they violently that. They didnt care or were careful they just gave it away.
Consumer complaint received 2021-11-18
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. (OH)

I disputed XXXX  Bankruptcy filings that populated on to my XXXX Credit Report with XXXX on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different SSN than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, XXXX completed their investigation and marked the bankruptcies to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the SSN used for the bankruptcies is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new bankruptcy on my credit report filed XX/XX/2021. XXXXXXXX XXXX  reporting of this bankruptcy and the prior two are costing me a lot!
Consumer complaint received 2019-08-05
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have both 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Credit hack In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-07
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. (FL)

As of XX/XX/2018 I have tried for the 1000th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! 

Again, I have tried to access my credit reports ONLINE since XXXX OF 2018.
Consumer complaint received 2019-08-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info on my credit report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2021-04-16
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: JPMORGAN CHASE & CO. (FL)

Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX : JPMCB CARD # XXXX Previous credit limit : $ XXXXCurrent credit limit : {$13000.00} On XX/XX/XXXX, 2021Chase credit card reduced my credit limit for no reason. They send me an email stating : Previous credit limit : $ XXXXCurrent credit limit : {$13000.00}. I have tried to call them to find out they this action happened. They only tell me to ask for a credit line increase. My current credit score is XXXX, so I know that they want increase my credit line. 

I do not have any late payments or any over the credit limit with this bank. Chase has not responded to nay letters about this problem. My credit score has been damaged because of this action. 

I have made ever effort to work with Chase concerning this problem.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX received a call from JP Morgan Chase! They said someone was trying to do a wire transfer on my account! They told me I needed to be on the phone while they tried to stop it! They somehow got into both my checking accounts and did a wire transfer for XXXX! Also received text messages that said chase! Also charged me a XXXX dollar wire transfer! I have proof on my phone that all texts and calls said JP Morgan chase! I have never done a wire transfer nor would I know how to do it!
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY (OK)

I have been making the complete payment each month before the XXXX. I usually pay half the first part of the month then the rest on my next pay date which is before the XXXX cutoff date. I was called today & was told that they would not apply my payments to my loan unless I pay them all at once. It should matter if I pay {$100.00} a day as long as I get it paid before the XXXX. He told me my payments would be held & not applied.
Consumer complaint received 2022-03-25
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: SYNCHRONY FINANCIAL (TX)

My daughter and I purchased two pieces of furniture from XXXX XXXX XXXXXXXX ; a table with 4 chair stools ( {XXXX} ) and a Buffet Cabinet ( {XXXX} ) along with {XXXX} protection plan and tax {XXXX} for a total of {XXXX} on XX/XX/2022 using Synchrony XXXX card. Both items were delivered but the buffet cabinet ( {XXXX} ) was defective, so we rejected it and it was sent back to XXXX XXXX. The buffet cabinet listed on the invoice as the Console with 4 Mirror Doors was defective which we have video proof of, it was never accepted into my home. We only kept the table and chairs. We filed a XXXX complaint against XXXX XXXX because they were trying to charge for furniture we never accepted into our home and do not have possession of even now. We got the runaround trying to get the correct invoice. Finally through XXXX XXXX XXXX XXXXXXXX XXXX sent a corrected invoice, {XXXX}. We called Synchrony Bank, we have told them that the invoice of {XXXX} is incorrect. I was told it would be corrected. It still has not been corrected. I sent them an online message on their website along with the corrected invoice attached to the message to please correct the account balance to reflect the correct amount. Synchrony Bank is still charging me the amount of XXXX which is incorrect even by the XXXX XXXX invoice that I have also attached to this complaint against Synchrony Bank. I have also cancelled the Protection Plan with XXXX XXXX and have requested cancellation and refund. I am filing this complaint because I have not been able to get Synchrony Bank to fix this and charge me only for the products/merchandise that I actually purchased and received. Please see the attached invoice and please correct my Synchrony Card balance. Thank you!
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was contacted by 5/3 bank as the President of our HOA demanding that we provide the bank with all applicable insurance information and also requiring for us to disclose PII of the officers of the HOA. The HOA was involved as part of a refinance obligation of a resident. After we had declined the bank told us it was against Federal Law to block this. As a private entity, we are being harassed by the bank and also they are stepping out of line in regards to demanding information and PII of officers in regards to third-party transactions.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

Venmo has froze my account and now told me they are done doing business with me but holding my funds for 180 days. All the money I have is in that account. They won't tell me whT I've done wrong or allow me to transfer my funds
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Date Was Paid XX/XX/2022 They Even Sent Out The Deletion Letter So I Emailed Them With A Copy Of Receipt Paid In Full Didnt Receive Any Feed Back So Know Im Moving Forward With The Complaint And Its Still On My Credit Report..
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent XXXX request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the XXXX data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per XXXX law.
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

there is 5 accounts with XXXX XXXX XXXX acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to Equilfax that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX  for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D.B.F. COLLECTION CORP. (CA)

I received a collection letter from D.B.F. Collection Corp on XX/XX/2021. I responded XX/XX/2021 with a certified letter disputing the debt and requesting D.B.F. Collection Corp verify the debt. In that letter I also requested they do not report to credit agencies as the debt was being disputed, and if reported to credit agencies to contact those agencies to notify them that the debt is being disputed. I still have not received verification of this debt from D.B.F. Collection Corp and the collection debt still appears on my XXXX credit report without being marked as disputed.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I reported a frudent charge I didn't recognize to XXXX XXXX  Credit card for {$100.00}. The representative for this company told me not to pay on it until it is investigated. It's been a few months and now I have accrued {$78.00} in fees that I'm now told by another representative I must pay if I don't want to continue to pay more fees or interest while it is being investigated. I read on consumer ftc.gov that a fraudulent charge that is being investigated should not be charged additional interest. It's also been over 60 days I believe now since it happened and there's no resolve.
Consumer complaint received 2017-06-07
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. (TX)

Approximatel y two mont hs ago, I signed up with Equifax for their credit monitoring service. The service requires a monthly subscription of {$16.00}. The product allows for me to update my report on a daily basis at no extra charge. Once I purchased the product I have been unable to successfully pull up my credit report at my convenience. In total, I have only been able to pull up my report twice, and every other time I try, I get an error message. I have called Equifax several times and continue to get several different answers, but none have been able to solve my issue. I have sent over my ID/proof of address on  SEVERAL occ asions and yet Equifax continues to lose it, even though it is being sent via their online platform. I am sick and tired of paying for something that I am unable to use- and I NEED MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2021-11-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN HONDA FINANCE CORP (NY)

I sent a cease and desist order to XXXX XXXX XXXX along with a debt validation request. On XX/XX/21 I was sent the attached files claiming they do not fall under XXXX. they failed to send all documentation. today on XX/XX/21 they violated more rights - XXXX  by contacting a relative in reference to account I requested validation for along with XXXX  failure to cease communication, and calling from " XXXX '' which falls under XXXX XXXX XXXX  as a way to mislead and violate my consumer rights XXXX.