davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (WA)

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2021-11-19
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: Advantage Credit, Inc. (FL)

My credit had been pulled 2x additional times " without '' my consent for closing on a home with XXXXXXXX XXXX who delayed my closing for no apparent reason not making me aware of what was going on. I finally closed on XX/XX/2021. My credit was pulled XX/XX/2021, ( 7 ) days prior to closing without my consent, XX/XX/2021, and XX/XX/2021 by " Advantage Credit , Inc ''. I had a XXXX credit score. I asked the mortgage company, XXXX XXXX XXXX, why it was pulled, he said he is not sure. I perform a primary home purchase and interest rate was extremly high 5.5 %. I asked him to lower it several times and said he was unable to do so. The additional 2x hard credit pull dropped my score to XXXX and 2 additional hard credits pulls. I appreciate the last 2 hard credit inquiries " Removed '' asap. It is affecting my number of credit pulls and credit score. It has also affected my ability to obtain other credit cards and/or home purchases.
Consumer complaint received 2019-03-27
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. (TX)

XXXX, XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX  XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NY)

OnXX/XX/2018approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX . This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

When attempting to create an account with Venmo, I get told I already have an account registered with a phone number Ive never had, and an email address that I havent had access to in several years. Ive provided them copies of my ID, photo of me holding my ID, my only numbers, and email. 
They claim I owe {$1500.00} dollars in failed transactions from a bank account Ive also never had. 
When attempting to get access to this fraudulent account, I get a runaround set of messages asking me to confirm my identity, etc, only for them to say I already have an account and owe money. Eventually they stop responding all together. Venmo is not allowing me to view these failed transactions from an account fraudulently registered with my name. Nor are they allowing me to dispute any of these transactions.
Consumer complaint received 2021-06-10
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: NAVY FEDERAL CREDIT UNION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax,XX/XX/XXXX and XX/XX/XXXXCRAS. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-05-19
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. (MA)

EXPERIAN, On XX/XX/XXXX I received a notice from Experian that my FICO had changed. I found this puzzling since the only negative items were the same from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My score was XXXX as reported by XXXX XXXX on XX/XX/XXXX. OnXX/XX/XXXX It was noted that my score had dropped to XXXX and dropped by 16 points by Experian. On XX/XX/XXXX it was noted that my score had dropped by 19 points and was XXXX by Experian. It may be noted that it is recommended that I purchase some of their services, fraud and credit reporting. I found this strange and believe that this is extortion to purchase their services. Let me be perfectly clear that nothing has changed to that would impact my score negatively. On XX/XX/XXXX I will face XXXX XXXX XXXX XXXX in court for submitting improper information on my credit report. This will be followed by XXXX XXXX XXXX.
Consumer complaint received 2022-03-07
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank / XXXX XXXX XXXX store credit account The online account service offered for looking up account information online and making payments does not offer an option for setting up monthly ACH payments that are MORE than just the minimum amount. Many companies appear to leave out this service. 

There website allows for making payments for the 1- minimum monthly payment, 2- payment in full, or 3- " other '' ( amount of your choosing ). However, when you choose the option for an AUTOmatic payment to be deducted, suddenly the option for choosing " other '' or any payment amount of your choosing is not allowed. I feel that that many credit companies do this purposefully so that the borrower can not pay down the debt faster in a convenient way. I have come across many companies doing this and then consumers are forced to make the payments by other means than by using convenient electronic debit services. Since electronic payment services are the norm in these modern times ( and I have been doing electronic banking since 2005 ), it seems inappropriate to lure consumers to the convenience of monthly ACH payments when there is no option for paying your debt faster. 
Why not introduce regulations ( or perhaps you can inform me if regs exist ) such that if an institution makes ACH available, that the option for making more than the minimum payment BY MEANS OF ACH must also be made available. 

I would like to know, do you have a list of which banks currently provide the option for making more than the minimum payment BY MEANS OF ACH automatic debit. I would like to only use these banks, as necessary, for any large credit purchases.
Consumer complaint received 2015-06-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (VA)

I received numerous calls & emails from CashCall ( the company ) to get loans. I needed the $ $ $ and I finally gave in and got into a financial situation ( 125 % ) interest and have been challenging the CashCall Inc. and finally they reduced the interest rate from 125 % to % 75. 

I was wondering if could get assistance from your organization to get a better interest rate from CashCall Inc.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I had requested the XXXX credit bureaus ( Equifax, XXXX, and XXXX to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had requested the XXXX credit bureaus ( XXXX, XXXX, and Transunion to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX, I called Chase in regards to my Chase Sapphire Preferred Card that was past due by 30 days. It had come to my attention via an email that was sent on XX/XX/XXXX. I was not aware of a payment due as this account is on autopay and this card was not active for over a year. At the time I received this email, I was traveling internationally and did not have access to my phone/email/data. I was able to finally make a phone call on XX/XX/XXXX, 1 day past the supposed 30 days. After speaking with a customer service representative, the charge was {$95.00} for an annual fee. The current bank account on file was no longer valid and resulted in a late payment. I was under the impression that my account would be fine as long as I made a payment when I returned to the States. I wanted to pay that day but was was unable to make a payment since they needed a routing and checking numbers and I did not have them due to travel. 

I had received an alert from XXXX  saying that my credit score dropped 66 points due to 1 missed payment in 14 years. I proceeded to call Chase today, Monday XX/XX/XXXX to resolve this issue. I have an excellent repayment record since XX/XX/XXXX and because of this one late payment, it reflects poorly on my creditworthiness. Chase told me that there was nothing they could do not report a change even though I paid to settle the account. I was not not given an opportunity to settle this before it was reported to the credit bureau. My account does not have an outstanding balance of thousands of dollars or was late in the past. Its frustrating that I wasnt given the opportunity to remedy this situation as a loyal customer before being reported. Chase proceeded to tell me that I had been notified by email and by mail. I had received one email on XX/XX/XXXX.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One fraudulently initiated ACH debits from my checking account 7 times. Capital One admitted its fault and refunding me for four ( 4/7 ) of those fraudulently debited ACH transactions on XX/XX/2017. 
Even though Capital One has admitted XXXX fault and refunded me partially, they refuse to refund me for the rest of those fraudulently debited ACH transactions in the amount of {$2600.00} ( 3 transactions out of 7 ). 
In addition, Capital One closed my account and stated that the account was closed per my request, which is completely wrong! I have not made such request to Capital One.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, Experian. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, Experian. If there is shown a way to contact this agency, it is not readily or easily found.
Consumer complaint received 2018-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I began having difficulty making my regular loan payments around XX/XX/XXXX. I was told at the beginning of XXXX during a conversation with an XXXX representative that my Perkins loan was eligible for partial cancellation due to the fact that I am a XXXX XXXX employed in a XXXX XXXX XXXX. I was advised during that conversation that any payments I had already made would not be able to be returned once the loan was cancelled for my completed years of XXXX XXXX. I was advised during that call and in subsequent conversations with XXXX representatives to fill out a loan cancellation form for the year I have already completed ( XXXX ) and to submit an application for loan forbearance for the year I am currently XXXX in ( XXXX ). I did not receive the application via email after the first call, when I received the application after contacting XXXX again I completed all required documentation and mailed it in as instructed to do so at the beginning of XXXX. I was told that I could not fax or upload the documents as XXXX XXXX would only accept the paperwork by mail. I contacted the company again at the beginning and was told that the paperwork had yet to be processed and was not given a timeline for when I would have any answer, it was suggested that I try again in a couple of weeks. While I waiting for that paperwork to be processed I was sent a letter from XXXX stating that my account has gone into collections. I again contacted XXXX and was told that the loan cancellation/forbearance paperwork had not been received and directed to contact the collections agency that was now handling my account. I find this to be absolutely egregious and deceptive behavior on XXXX 's part and I would like the appropriate action to be taken against this company.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 I used the application from CHASE to purchase a dog, XXXX is offered by CHASE bank to transfer money. I used because is offered by my own bank and transferred money to another CHASE account holder which resulted to be a scammer. I send {$1000.00} XXXX in exchange for a dog, but did not received any goods in exchange
Consumer complaint received 2018-05-19
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: SYNCHRONY FINANCIAL (CA)

I was contacted by XXXX XXXX. and they submitted some documents that did not verify that the debt belonged to me, the debt was opened at XXXX XXXX XXXX XXXX XXXX in the year XXXX, That company has malicious intent, they sold the debt to a collection company, unethical business tactics.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

This is my I can't complain regarding Chase Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by Chase denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX Chase is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to XXXX XXXX XXXX   with incorrect information stop my taxes and loan history. 

I received a letter from chased which I am including as a PDF with this complaint Chase did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by Chase respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX never missed a payment because of Chase negligence and unfair debt collection my credit score dropped 300 points and Chase servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of Chase negligence. the new servicer has received incorrect information from Chase transport in XX/XX/XXXX. Chase 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.
Consumer complaint received 2019-11-18
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc. (FL)

Various phone call from Credit Counsel have been received in the last month, on the XX/XX/XXXX a person named XXXX XXXX called me from XXXX requesting a payment from a services I do not recal or recognize company. He threat me on be sue and use abusive language. I do have prove of this in a written email. on XX/XX/XXXX I have received a letter that even its say Its not a threat when I call the company I again receive abusive language and threat from this person, I Requested to be transfer to the person that sign the letter but he refuse and again threat me to be sue.I did write a letter to explain to XXXX XXXX Division Manager but not answer