davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I opened an account with XXXX XXXX XXXX in XX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX The account was sold to multiple collection agencies but was settled and paid in XX/XX/XXXX XXXX XXXX XXXX  has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

EQUIFAX - reflecting 90 days late payments inXX/XX/XXXX andXX/XX/XXXX. XXXX - reflecting 90 days late payments in XX/XX/XXXXand XX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX  as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
Consumer complaint received 2022-09-01
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: Michael Andrews & Associates LLC (GA)

Michael Andrews & Associates LLC obtained my consumer credit report on XX/XX/2022 without my consent from XXXX with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and XXXX has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!
Consumer complaint received 2022-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Ref. CapitalOne 360 XXXX XXXX Account # XXXX Upon receiving a promotion offered by CapitalOne Bank on opening a new savings account with new money and keeping it for 90 days, a bonus of {$450.00} would be added to your account. When I read that promotion online checking my balance on my credit card, I called CapitalOne to confirm what I read and the result was positive. CapitalOne received {$50000.00} on XX/XX/2022 and I expected to see that bonus on XX/XX/2022. 
Checking my account online, but found it's not included. By contacting CapitalOne several times to understand the situation, finally, I was informed the following verbatim " it is correct this bonus for {$450.00} on your account, it has to be there for 90 days, but it's CapitalOne Policy to be added to your account before XX/XX/2022. 

And this is my contention which clearly shows how misleading I have gotten into this racket of financial abuse controlling their customers ' money at their whim. 

Following up my several calls with CapitalOne to let 's know that prior to my engagement with their scheme there has never been any information supporting their claim. Please examine the uploaded copy of email received today XX/XX/2022 following many calls for inquiry with no avail.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (VA)

Ive submitted multiple disputes to trueaccord ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, XXXX XXXX., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my trueaccord account were to be closed immediately and the collection attempts were to be stopped.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Advanced Resolution Services Inc. (FL)

Advanced Resolution Services, I am requesting my consumer disclosure report Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report
Consumer complaint received 2022-09-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Dear Experian : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

SincerelyXXXX XXXXXXXX
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I opened a new credit card with Santander Bank and started using it on XX/XX/2018. The bank offered a promotion that said if I spend over {$500.00} within 6 months of opening the card, they will give me {$100.00} cash back, and so I spent over {$500.00} shopping within the first 6 months and waited and waited but I never got the promised promotion {$100.00} cash back. I contacted them by phone but they kept deviating from the subject and told me nonsense about my spending habit. I got nowhere with this problem so I filed complaint with better business bureau. All I got was excuses from the bank for not giving me the promised promotion {$100.00} cash back. That didn't get me anywhere.
Consumer complaint received 2022-08-29
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. (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. What's happening there at the CFPB and to Transunion? This is so incredible! How can you guys ignore these numerous complaints? I know I have specified this again and again but I have given in to this complaint several times already and I have attached all the evidence and documents necessary such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website and the Police Report I filed on my local Police Department to demonstrate that I'm an identity theft victim. What else do you guys need?! PLEASE DO NOT DISREGARD my request and DELETE the accounts which I do not own. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NC)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-09-01
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. (NC)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/22, I sent a person {$300.00} to purchase a set of concert tickets. I used XXXX, thru my bank account so the transaction would go thru immediately since the concert was that day and I need the tickets asap. It was in two transactions of {$150.00}. The XXXX transaction of {$150.00} apparently didn't process so it was refunded to me. I called my local to branch and that was confirmed. So I sent the XXXX amount of {$150.00} and it happend again and pnce confirmed that but I wasn't comfortable sending anymore money with my money being in transitions. The PNC CS rep told me it would take up to 24hrs for the refund to shoe in my account. So I decided to cancel my agreement with this individual in buying the tickets and hoped my money would be back in my account soon. Within 48 hours it still wasn't showing any refunds so I contacted pnc again and the rep told me to file a report since there wasn't any refunds showing. I proceeded to do so, waited to hear from them while they looked over the case. I just received the letter today stating they will not refund me due to no suspicious activity on my account.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (AZ)

On XX/XX/XXXX i got a report that had invalid information form Lexis Nexis I submitted a investigation after reviewing everything per their request XX/XX/XXXX Incident number XXXX My customer number is XXXX Case number is XXXX These company is stating that they have no idea and i should have called as they do not do any investigations by email request. note to that the report has a form that you fill out that it states investigation request please email I'm speaking to the company but they are no help i feel due to miss representation of this company report I have paid extensive insurance premiums I'm talking over {$6000.00} a year. I have a clean report on my driving and payment history
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (IL)

I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (IL)

I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a victim of theft on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department and immediately contacted all of my banks and credit card companies. 

After reporting this to Bank of America, for 3 to 4 days they still allowed unauthorized users to get into my online checking account and transfer money out. 

I explicitly asked Bank of America to remove my mobile number from my account as the unauthorized party was using the SMS text message authentication to continue to login to my account over and over. Bank of America assured me the phone number was removed off the account and they had locked the online banking. The unauthorized party was still able to login to my account. 

The following debits on my checking account have had their fraud claims denied by Bank of America : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Received loan modification documents in the mail from Regions Banks, the modification terms is setting me up to lose my home. The interest rate isn't a fixed rate for the term of the mortgage and its a interest only mortgage loan. The economy is very unstable at this time and I don't want a mortgage loan or interest rate that is going to make me lose my home to foreclosure. There is also a pending property foreclosure sale set for my home XX/XX/2019.
Consumer complaint received 2022-09-01
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. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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 2022-09-01
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. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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 2022-09-01
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)

I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-09-01
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 been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/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 XXXX : XX/XX/XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Equifax and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Equifax supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Equifax can take those innacurate inquiries ( XXXX XXXX XX/XX/2022 ) ( XXXX XXXX, XXXX  ) that are hurting my credit score and I cant take a home because EQUIFAX is refusing to remove information that is not mine AND they never responded the register letter I sent to them and they forcing me to provide them with extra information when I feel that after identity theft I can not give them nothing after they had leak for my information already so please help me ask them remove those inquiries that do not belong to me.
Consumer complaint received 2018-03-14
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. (TX)

I noticed I had late payments on my XXXX XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Consumer complaint received 2022-09-01
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. (NC)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

Chase Freedom LLC XXXX XXXX XXXX XXXX XXXX XXXX 
company Is obligated to comply with 31 CFR 328.5 - Forms of endorsement for payment and exchange of a security arrived on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX chase has denied payment and kept security. 
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and opportunity to cure with new security in the value of {$800.00} was sent to XXXX XXXX XXXXXXXX and Chase Ceo/trustee. payment was ignored and kept. 
by the Federal Reserve Act, Section 29. Civil Money Penalty Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. today we reach the date XX/XX/XXXX and company has not complied with its obligation. 
I request that the company settle the amounts sent and adjust account accordingly.
Consumer complaint received 2022-09-01
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. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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