davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (IL)

I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account : XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/2021
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a Compliance on account, its been over 60days havent gotten a response therefore im reinterating my request in The Fair Resolution Box.
Consumer complaint received 2022-06-14
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. (AZ)

My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. Ive filed a police report with the XXXX XXXX XXXX XXXX ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. 
The following line Items were part of my request to remove from my credit report due to identity theft : XXXX. XXXX XXXX XXXX. XXXX different 30 days late on XXXX of XXXX files The following hard inquires are false : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Can I get some assistance in this matter. These people think they are infallible, which they are not. They listed my older brother as my spouse and I've never been married. It took me being tenacious to get this false information removed
Consumer complaint received 2022-06-14
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. (MD)

BASED ON AGE OF ACCOUNT BY EQUIFAX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days
Consumer complaint received 2022-06-14
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. (NJ)

I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-12-14
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer
Consumer complaint received 2022-06-14
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. (NJ)

I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (NY)

I need complaint ID # XXXX reopened as you closed the case and the bank 's solution did not resolve the issue. XXXX XXXX Customer Service has informed me that the form KeyBank told me to have them fill out can not be filled out by them so the check can not be cancelled ( email pdf attached ). This includes XXXX 's timeline of KeyBank 's incompetence, negligence, and malfeasance. My $ XXXX is still just gone. My next step will be to contact and attorney and seek punitive damages at this point as, due to the ongoing stress in part caused by this issue, I underwent an emergency MRI on XX/XX/2022 to check for XXXX XXXX regrowth due to contralateral weakness in my left side that persists. The cause remains unknown but may be due to my XXXX.
Consumer complaint received 2020-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (WI)

I have loan on a vehicle that is financed by CNAC out of XXXX, WI. Since day one I have NEVER been on auto pay because they know I am self employed. So payments come at different time, various ways. I have never given them permission to take automatic payments. I would pay online and always select one time payment. I have always been on time with my payments. The last payment was due on XX/XX/2020, I was lateon this payment because of how my income fell. I had to choose between feeding my family right now and paying my payment. Today was only my second day late, I went to check out at the grocery store and was told insufficient funds!!! WOW!! How embarrassing. Come to find out CNAC took out a payment WITHOUT my authorization. 
Hard enough making ends meet with this covid things going on and now this company takes money without permission. So I called, the Customer Service Rep did not give me a name. I said there was an unauthorized payment taken and I want it reversed. He said why is your payment late, I said it doesn't matter you took an unauthorized payment and I want it reversed. Again he asked me why I was late, I told him because I had to decide between feeding my family and paying on my car. Then I said so can you reverse the payment you illegally took. He said I can, but I want proof of your insurance. I said no, reversing my payment has nothing to do with insurance. He stated he would not reverse the payment until I showed proof of insurance!! That is strong arming me and bribery!! 
I again told him it was illegal to do so, I didn't authorize them to use my card to pull any money out. He told me wouldn't not refund my money, until I gave him what he wanted. They can not do that, so they are holding money they illegally withdrew until they get insurance proof???!!! Then he told me to have my lawyer call and he hung up on me!! I tried to call back and my calls are not allowed through, it goes to an automated message telling me their PO Box mailing address and their fax number!! This company is crooked!! They won't even work with customers ... but to steal money they were not authorized to take wrong. I have made all payments on time in the almost 2 years I have had this vehicle!! 2 Days late they take an unauthorize payment ... It was only a payment of {$180.00}, but now I am worried about them doing it again!! I shouldn't have to live in fear of them just pulling payments out when they feel like it!! Unacceptable!
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

as of XX/XX/2018 XXXX XXXX/equifax is reporting a collection account with XXXX XXXX for {$680.00}, I asked XXXX XXXX to remove this account, because I do not owe this company and never did, XXXX XXXX stated that it can not be removed, only equifax can do that, XXXX XXXX reports what ever equifax report to XXXX XXXX, no questions is it correct or not, what makes this realy wrong equifax will not take a dispute about XXXX XXXX, the last complaint I made a person with the name XXXX complaint # XXXX about the collection.this same account has been in and out of my credit report with equifax only.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (ID)

I RECEIVED A SUMMONS ( XX/XX/XXXX @ XXXXXX/XX/XXXX. XXXX STATING THAT IM BEING SUED FOR {$1700.00}. I'M NOT SURE WHERE THEY CAME UP WITH THIS AMOUNT. 
I'M ON XXXX AND CAN NOT AFFORD TO PAY FLING FEES, ETC. THIS CREDIT CARD DEBT WAS CHARGED OFF XX/XX/XXXX. ALMOST TWO YEARS AGO. 
THIS SITUATION HAS GIVEN ME SEVERE XX/XX/XXXX AND MY XXXX HAS GOTTEN WORSE. I HAVE XXXX AND CAN NOT EVEN THINK OR COMPREHEND WHAT PEOPLE ARE TRYING TO TELL ME TO DO. I'M ALSO EXTREMELY AFENDED WITH THEIR CLOSING " WHEREFORE. PLAINTIFF " PRAYS '' FOR JUDGEMENT AGAINST DEFENDANT. '' I FEEL THAT IS A HARSH STATEMENT TO BE USED IN A SUMMONS, I FIND IT HEARTLESS! WHO " PRAYS '' FOR SOMETHING LIKE THAT. THANK YOU, I LOOK FORWARD TO HEARING FROM YOU.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

A credit card I had opened with chase bank in XXXX of 2014 is still being reported to the credit bureaus. Due to financial hardship, the account fell behind and was closed. When I spoke with a company representative requesting to have the negative item removed when the debt is settled. The person I spoke with informed me that Chase bank will not comply with the removal of an item more than 7 years old regardless of whether it's paid back. The Fair Credit Reporting Act states that negative information that is more than seven years old may not be reported. I have tried to dispute the issue with Chase Card Services by speaking to one of their customer service reps to no avail. The credit reporting agencies have not responded to my request to have it removed. 

I believe the Fair Credit Reporting Act was instated to help people recover from their financial hardship. However, the employee I talked to said on behalf of Chase Card Services that they will not comply with the law regarding credit reports.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.L. Zager P.C. (NY)

ML ZAGER PC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 

I do not owe this debt they have no record of me signing for the medical bill and they refuse to delete this from my credit report. I spoke to debt collection agency ML Zager PC and they agree that I did not sign for the debt but will not report in to XXXX.
Consumer complaint received 2022-06-10
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. (FL)

Ive spoken to Santander many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. Santander was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One and XXXX XXXX on XX/XX/27 because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (AL)

First, I contacted AIMLoan to inform them of changes to autopay, they said, it was too late to change, then charged me {$20.00} for a bounced check fee, even though I proactively notified them about the issue. 

Second, they keep messing up XXXX analysis every year, send me refunds, then immediately ask for the money back. 

The insurance sends a similar quote ever year. I dont know why they cant seem to do this correctly. Also, charging a consumer for a bounced check ( which was out of my control ), when I contacted them in advance to resolve the issue, just seems wrong.
Consumer complaint received 2022-06-14
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. (OH)

To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX {$4900.00} XXXX XXXXXXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I bank with Chase Bank. On XX/XX/XXXX I received a notification of {$280.00} being spent on XXXX with my debit card. I called in 12 minutes to dispute the charge. My debit card was canceled and the charge was credited back to my account. On XX/XX/XXXX I received a letter that they decided the charge was authorized so on XX/XX/XXXX they would take back out the {$280.00}. I called to dispute this. I was told by customer service they made this determination because the billing and shipping address from the order were both my address they have on file. When I queatio Ed how this could possibly be I asked for any onformation they had to show this as I did not make this purchase and never received anything from Wish.com and had no access to information i the purchase. The rep from Chase gave me a XXXX tracking number for the order. That tracking number showed the purchase was delivered to XXXX XXXX California. I live in XXXX Kentucky. I was then placed on hold for an hour and a half before going to a branch to talk to someone in person. The claims manager for the branch looked at all the information I had printed, which included the tracking information Chase have me, the email notification of the original charge, and a screen shot of my call log showing the time frame of getting the notification and reporting the fraudulent charge. The branch claims manager called it in faxed over the documents with my statement and stated to me that it was very clear I did not make this purchase. When I followed up the following Monday XX/XX/XXXX on the phone, a rep said they had my information and reopened the case. They were mailing me all the information they had from the purchase to claim I authorized the purchase. When I asked what would happen on the XXXX she stated that the money would be taken out and credited right back since the case was reopened. On the XXXX the money came out and was not credited back. I called and was told they wouldn't credit the money back until after the second review of the case. Now this morning, XX/XX/XXXX I received a letter saying they have closed the case finding the charge was authorized. I have never received accurate information from Chase, the branch claims manager could see clearly I did not make this purchase, and they are refusing to give me my money back.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.