davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (MO)

I have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my XXXX XXXX app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called XXXX XXXX and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I filed a claim with Chase/XXXX in XXXX when a fraudster somehow got my Savings account information and used it to deposit money into his XXXX account. It was multiple transactions which totaled almost {$15000.00}. I got about {$1500.00} of it back. When I filed the claim, I was told by XXXX that it was their fault, therefore it should have been easy for my bank to get back. I was given a pullback number which I gave to Chase. XXXX is currently saying there is {$12000.00} available for Chase to get back. Chase is saying they don't know how to do that and that it's XXXX 's job to send the money back. XXXX is saying the bank has to file an ACH return for that. Even today I was on the phone with XXXX and they're saying they've never received anything from Chase. I've gone back and forth with them and they just keep blaming each other. I've gotten no help and I don't know what to do anymore. Can you help?
Consumer complaint received 2019-08-08
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. (TN)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Consumer complaint received 2024-03-08
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. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

This is regarding an existing issue with XXXX and XXXX  XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-08-26
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. (KS)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported illegally.
Consumer complaint received 2019-08-08
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. (TN)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Consumer complaint received 2022-03-18
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. (AZ)

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on Transunion XXXX XXXX ( XXXX deleted it ) XXXX XXXX  & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from Transunion XXXX XXXX. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on Transunion
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. Middle man Navy Federal Credit Union decided to enrich itself by stealing then lying to everyone. Navy Federal Credit Union kept the deposit meant to pay someone. The deposit was a test to see if this credit union would be honest or not. This bank decided to enrich itself through dishonesty. 
As a result that person was kept debt because of Navy Federal Credit Union 's greed. Navy Federal Credit Union expects you the CFPB to do nothing about it. Since Navy Federal Credit Union decided to steal then lie, I chose to I document everything to show the Attorney General & XXXX XXXX. XXXX asked questions. XXXX didn't care XXXX wants answers.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MS)

I requested for the XXXXXXXX XXXX account be validated through Experian Bureau. It is my legal right under FCRA 15u.s. Code 1681states responsibilities of furnishes of information to consumer reporting agency. They must have valid information from the original creditor, which they have not produced any evidence to me, this is the third request..
Consumer complaint received 2022-03-18
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. (MD)

XXXX and Experian reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. XXXX and Experian has not provided me original contracts with my signatures and they failed to reply to be with the XXXX days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I have noticed unauthorized inquiries on my credit report. I am in the process of cleaning up my credit due to get a new home for my family. These new inquiries is hurting my score and impacting my approval for my new home. It's ruining my reputation and I am just a hardworking individual trying to better my life and keep my credit in order.
Consumer complaint received 2022-10-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after XXXX XXXX XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-18
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 (IL)

Capitol one is practicing deception and leaving consumers hanging. I called Capitol one to order a new card as my current one doesn't work, the chip is not being read by the card reader. Called once and was told by agent your current card is active until the new card is activated by phone or use. Turns out I never got the card, it happens. I called a XXXX time was told literally the same thing. 
I was using my old card for purchases in the mean time. Time goes by XXXX card never comes. I call and order the XXXX and I never got it. So I decided to use my old card for groceries it didn't work turns out they deactivated it without my consent and I was told they only deactivate when new card is used or I call it in. 

I called spoke to supervisor and I asked him to deactivate my card he said he couldn't. Told him every agent told me old card doesn't get deactivated till I make a purchase with it. I told him I made no mistake and I'm suffering for it. He said for him to cancel account he needs to read disclosure. I said I don't agree to it because it'll affect my credit and you guys made the mistakes repeatedly. He then hung up.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am a service member since XXXX and continue to be XXXX XXXX. I have XXXX capital one and XXXX card that where paid off and I have not used due to deployments and training. I atttempted to use a Capital One card in XXXX XXXX and the card was declined. I called Capital one and asked what was going on. All accounts where closed due to inactivity. I never recieved a notice or warning that these cards would be closed. I got upset and did close XXXX of the accounts and asked them to please open my cards again. Upon doing this I had a credit line of XXXX on XXXX of the cards but was given only XXXX limit. I think this company needs to let people know when they are going to just close your accounts especially when you are XXXX XXXX and potentially not able to use them for a period of time when you are XXXX for a year. My home address is correct my wife had power of attorney they could have contacted us via mail or phone before they did that. Now I have a lower credit limit than I was granted before the closure and a hard hit on my reports because I had to redo the same account they closed. I would appriciate the full credit line I initially was granted and Capital One knows I am military because they have been sent proof for lower interest rates while deployed and failed to give them however when contacted did fix the matter. I would like to know why I was not contacted about the closures becasue I would have had them stay open as we kept them with zero balance and had all XXXX ready in case of an emergancy while I was delpoyed or in the event of unforeseen expenses. Also I would like them to reopen the card I closed out of pure anger at the fact they would do this to me.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

I have been dealing with Identity theft for a few years and even have fraud alerts on all of my credit reports. I now have new medical bills with a medical facility that I've never been to. They were both report as collections on credit in XX/XX/2021. One is for {$330.00} and the other is for {$1000.00}.
Consumer complaint received 2024-04-08
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received my statement approx 60-days ago and reviewed the charges. There was a charge for {$480.00} that did not have a merchant name only a city and state and some sort of id number. I reviewed my receipts and could not locate any information and I did not recall making a purchase of this size. I reviewed BofA 's online information, and it stated it was Weight Watchers which I have never used. When I called in initially, I was informed they were going to send me another card and investigate. Great. I went about my business, received my next statement the following month and they had added the charge back on and I had not received any communication from BofA. I called in again was told they researched it and they found it to be legitimate because they had received documentation from the vendor. I requested copies of the documentation was told it would be mailed to me and take upto 4 weeks. Still could not tell me who BofA paid or the vendor name or specificaly what documentation they had. Requested it be reopened they reluctantly did. I had this same conversation at 3 or 4 times over a 2 month period with different reps each time a called in. Today I was following up and had the same conversation again and this time was able to speak to a " supervisor '', XXXX XXXX XXXX, got the same song and dance and now being told that based on my responses that they can not get past the automated system to do anything else. I explained to him that there is an obvious glitch if they don't have a vendor name they paid on their side and they show this to be a furniture store yet there consumer facing website shows weight watchers and home supply store as a category. I asked that he look at my 30 year record as a customer and not questioning anything before. The supervisor acknowledged my frustration but reconfirmed it was on me and they could not do nothing. I asked what other options do I have to resolve this and I was told there is nothing else I can do.
Consumer complaint received 2022-03-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX MAZDA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX VIN # last six XXXX Credit Compliance Department XXXX MAZDA FINANCIAL SERVICESXXXX XXXX This letter is a formal statement notifying the above parties that the accounts under VIN # last six XXXX are disputed. 

The vehicle in question was purchased on or about XX/XX/XXXX, from XXXX XXXX, listed SELLER on contract is XXXX XXXX XXXX, contract is financed by MAZDA FINANCIAL SERVICES, repossessed in the state of CALIFORNIA on or about XX/XX/XXXX. Violating cease and desist instructions sent to MAZDA FINANCIAL SERVICES sent certified mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the laws of ( 12 cfr 1026.17, 1026.17 ( a ) ( 1 ) 12 cfr 1026.18 and 16 cfr 433, 16 cfr 433.2 ) and UCC 9.506 as well as State RISA and MVISA status, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severely fail to comply with the my requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstance is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cc XXXX Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (AR)

My mother opened an XXXX XXXX  XXXX XXXX XXXX internet account in my name. Keep in mind at this time I was only about XXXX or XXXX. I eventually had it removed by disputing it and the agency didn't ask any questions because I told them I opened it underage. But whether I say yes or no to opening something that requires you to be 18 or older. It's still illegal.