davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are Nissan Motor Acceptance Corp accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with NMAC. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX and/or XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

Simple bank changed to BBVA Compass on Saturday XX/XX/XXXX. Instructions to access my account with the new bank were sent via email, I followed the instructions and could not access my account. 

On Saturday XX/XX/XXXX I called customer service and was disconnected. 
Called again and my information was taken by a customer service rep. They said to try again tomorrow after being on hold for 35 minutes. 

On Sunday XX/XX/XXXX Tried to login again without success Called customer service and gave up after waiting Monday Took no action Today Still not able to log in Waited 55 minutes to talk to a customer service rep. The rep on Sunday did not get my email correct. Did they send any information to the wrong email address? I dont know. 
They sent me 2 passwords to try via email and I could not get into the mobile app or website to manage my account They also gave me two passwords to try over the phone The app is not allowing logins The website says the link is broken I just want to see how much $ is in this account to take it elsewhere and will have to go to a physical location to do this. Luckily, theres one 5 miles from here.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (MI)

On XX/XX/2022 my email and phone were hacked and my credit card was compromised. I promptly changed my contact email and phone number with the credit card account online. 
No response was obtained from the company ( TD Card services ) till I received a letter 4 days later stating they had frozen the account for suspicious activity. 
Several attempts from XX/XX/XXXX through XX/XX/XXXX with XXXX department of TD Card services resulted in the following responses from them : XXXX. Unable to verify your number, go to branch. 
XXXX. When I indicate that there are no branches in my state or neighboring states, they responded to fax verification documents. 
XXXX. Every customer service rep ( XXXX ) I spoke to over several days had differing information about acceptable ID. 
XXXX. Even after sending ( and verifying receipt ) of the documents on XX/XX/XXXX, they did not respond ( despite stating XXXX hours business day response ). 
XXXX. On XX/XX/XXXX, I reached out to TD Card services, and they stated they had received the documents but had not reviewed/escalated and stated they would right away and to call back. 
XXXX. On XX/XX/XXXX, I called back and the rep first stated : I should go to a branch ( see # XXXX ), then I need to send documents ( see # XXXX ), and then " escalated '' to a manager, who apparently said they would review the documents and to call in XXXX business days again ( see # XXXX and # XXXX ) .Also, the rep declined to give me a case number and asked me to call back. 
Note : every call to them results in hold times of : XXXX mins, XXXX min, XXXX hour XXXX min. 


As a result, almost XXXX weeks into my compromised card, TD Card services has neither reviewed my case, or my documents, keeping on pushing out the resolution. I am unable to access my account, confirm if fraudulent charges exist or not, nor have replacement cards sent. 
TD Card services has not done anything along the way either.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the XXXX XXXX act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TN)

I used Zelle to send {$300.00} to someone and the recipient never received it. Prior to speaking to the custimer service rep with Zelle it was pending after hanging up it showed complete. He remoted into my phone and said it was software related and installed XXXX app. Then he tried to transfer money from XXXX to 3 people that he said was his manager. At this point he I stopped him and asked what he was doing and he said give me a minute while I send a {$1.00} transfer to my manager. He asked me to login to my credit union account then he moved {$200.00} from saving to checking to send to XXXX XXXX. I told him no more just refund the pending wire transfer. He said he would need to send his manager the {$300.00} from Zelle then she would refund it. I hung up at this point. The money is no longer pending and they said it went to XXXX XXXX Bank but it did not. The money was transferred XX/XX/2022.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

I bought a home via usbank home mortgage and was forclosed and the last report from them was XX/XX/XXXX. Well after 3 years and building credit back up we started the home buying process and had credit pulled in XXXX. At that time things were good, but needed to work on some things until we could move further. Finally Monday XX/XX/XXXX my credit was pulled and we got denied because all of a sudden us bank reported that I was over 120 late in XXXX and XX/XX/XXXX. From XXXX til now USBank decided that a closed account was late and sent my score down and halted everything I have worked so hard to accomplish. I called them and they said they wouldn't have done that. This should be illegal and now because of them I have to wait up to another month living in a 2br apartment with 4 people. They are ruining my life.
Consumer complaint received 2022-03-01
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: Mortgage Research Center, LLC (VA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with VETERANS UNITED HOME via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXETERANS UNITED HOME via XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I WAS CONTACTED BY 2 COMPANIES.. ONE WAS XXXX XXXX XXXX AND THEY SAID THAT THEY WOULD GET ME OUT OF MY TIMESHARE SO I PAID THEM XXXX WITH MY DEBIT CARD. WELL AFTER PAYMENT ON XX/XX/XXXX I DECIDED THAT I DIDNT WANT TO GO FORWARD SO I CALLED TO CANCEL AND THERE WAS NEVER ANYONE THAT WOULD ANSWER CALLS OR RETURN MY CALLS. I CALLED MY BANK BUT THEY SAID THAT SINCE I AUTHORIZED THE TRANSACTION IT WAS A VALID CHARGE AND I HAD TO SPEAK TO THE MERCHANT ABOUT GETTING A REFUND ... THEN THE OTHER COMPANY THAT CALLED ME WHICH I THINK WAS THE SAME COMPANY TOLD ME THE SAME THING THERE NAME WAS XXXX XXXX XXXX AND I PAID THEM XXXX WITH A CHECK ON XX/XX/XXXX .. THE ONLY REASON WHY I PAID THEM WAS BECAUSE I REALLY WANTED TO GET OUT OF MY TIMESHARE BECAUSE THE FEES ARE ALOT OF MONEY AND I LIVE ON A FIXED INCOME. NOW I HAVE BEEN TRYING TO GET ALL THIS MONEY BACK FOR A FEW YEARS NOW AND I HAVENT HAD ANY LUCK. IM HOPING TO HAVE SOME LUCK WITH YOU BECAUSE THIS IS JUST NOT RIGHT FOR THESE COMPANIES TO TAKE MONEY FROM SENIOR CITIZENS THIS IS ABUSE. PLEASE HELP ME
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
Consumer complaint received 2022-08-28
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. (VA)

Equifax is creating multiple data points, based off of outdated information in an attempt to be more credible than the two other credit reporting agencies & has affected my score to go down, with consistent and full-on time payments Credit Reporting Agency has closed over 30 disputes & has physically mailed me only ONE dispute - I have records of all disputes & their negligence to fix reporting is desperate at best
Consumer complaint received 2019-01-18
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. (WI)

XXXX XXXX has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.
Consumer complaint received 2022-08-28
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (NJ)

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-05
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. (NV)

In accordance with the Fair Credit Reporting Act. The list if accounts below has violated my federally protected. consumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Has violated my rights ; 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U ; S ; C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
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. (GA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-08-03
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Account Control Technology, Inc. (NH)

Account Controls Technology, INC put a Wage Garnishment on my account. the date was XXXX-18. I contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-09-08
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. (MO)

I have attempted repeatedly to work with TransUnion to remove three hard inquiries that were made on my credit report that I did not authorize. The date listed is for XX/XX/2017. I am repeatedly told by TransUnion, that there is nothing I can do about the hard inquiries, and that I need to contact each hard inquiry and attempt to get them to " write a letter '' on my behalf in order to get them removed. We I contact these companies, they are confused as to why I need such a letter and refuse to assist me. I have been working on this issue for over a year now. It is imperative that this get resolved in order to have the credit rating I have worked hard for. Listed below are the hard inquiries I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX