davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC (PA)

I believe in XX/XX/2021 someone applied for a surge credit card in my name and used it to the maximum limit of {$300.00}. However i was not aware until i started receiving calls from a number I did not recognize. This number would call really early in the morning or in the evening. Finally, I answered and they inquired about a payment. At that moment I let them know this card was fraudently opened. I asked them for the information they had on file ; they told me all my information. Everything was correct except my address. They had an address listed from a house I lived at five months ago. I went on to let them know i did not open this credit card. They informed me they would stop reporting this information on my credit report and close the account. They may have closed the account but it is still negatively affecting my credit report and is still listed. After doing my research i looked at their reviews on XXXX and I'm not the only person who has experienced this there are at least 25 people who have similar issues.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened two XXXX XXXX  XXXX XXXX accounts in XXXX. Both accounts were paid off, in good standing and with credit limits over {$30000.00}. 

In XXXX Capital One took over the XXXX XXXX program. By XX/XX/XXXX the transfer to the Capital One network started - records show that my credit cards were transferred on XX/XX/XXXX, however Capital One lost my accounts. I have not received my new cards and the accounts are not showing on my credit report. I have contacted Capital One on several occasions, but no one has been able to fix my missing accounts, or explain what happened. 

XXXX XXXX  completed the transfer on their end and closed my accounts at the end of XXXX. I have kept my old cards, although I can not use them anymore. 

Due to this error on Capital One 's part I have lost seven years of positive credit history and two of my largest lines of credit. I was told by a representative to just re-apply and get a new account, however that is not acceptable and would not change that they've made an error, plus the detrimental effect to my credit history.
Consumer complaint received 2022-12-01
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 # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, XXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A.Section XXXX It also state the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was notified of a hard inquiry on my TransUnion credit report by a company called XXXX XXXXXXXX XXXX XXXXXX/XX/2024. I have never heard of this company and have not applied for credit of any type in the recent past. 

I was part of the XXXX XXXX XXXX XXXXXXXX breach and this appears to be a scam. When calling XXXXXXXX XXXX XXXXXX/XX/2024, at XXXXXXXX XXXX, the first piece of information requested by the XXXX was my social security number. Not account number, the first piece of information they attempt to collect is your social security number. I typed in all XXXX 's and then typed in all XXXX 's when asked for the last XXXX of my account number. 

My husband works in XXXX  and says this sounds like a fraud funnel. 

I will work with the credit reporting agencies to have this inquiry removed as it was unauthorized and I am thankful that I already have reporting that lets me know when these things happen.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. I HAVE ACCOUNTS THAT DON'T BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION. I NEVER FILED THE CHAPTER XXXX AS WELL THIS IS NOT MINE
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/18 a transfer was initiated from my mobile APP of {$1000.00} from my checking account to what was suppose to be my Saving account however after checking the saving account there was no money in the account. after checking the account it appears the transfer went to my credit card account ending in XXXX. Immediately after the transfer I had called the bank to cancel the pending transfer and instructed the representatives to move my money back to my checking account immediately as the funds will be needed. I was instructed to wait till the payment posts to the credit card account at which point the refund can be requested, this is not acceptable as the transfer was just initiated and should/could of been canceled immediately by the bank. Spoke to a manger by the name of XXXX XXXX - manager advanced client services who then advised the transfer would take 2-5 business days to process. This timeframe is unacceptable by all means from a large financial institution and the bank should do better to allow for these errors to be fixed immediately not 2-5 days. Due to the banks restriction on the use of my own money I am not able to make a large purchase that I need to complete within the next few business days which may result in a large financial loss on my part. If such a loss is incurred the bank will be held finically responsible at which may result in a lawsuit being filed with the courts.
Consumer complaint received 2016-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

I setup automatic payment with XXXX XXXX. However my mortgage was sold to PNC Mortgage, and I did not received their welcoming letter and late notice letter due to change of address ( which I have a witness for this ), hence the payment was 60 days late. I felt PNC Mortgage did not try their best effort to contact me, they did not call on the phone, text or email me about this transition of mortgage and the late notice. 

I have never missed a payment in my life and have excellent credit before this. As a consumer, I felt PNC Mortgage is at fault for not informing me about the transition, and they just do n't care. 

To make matter worse, I had file a complaint with Better Business Bureau, they acknowledge that it happens because I did not receive their letters, can not prove that they call me, text me or email me, but offer nothing to help me. I escalated to PNC executive client relation, XXXX XXXX and she chose to ignore my email.
Consumer complaint received 2017-08-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

JC Morgan Chase did not correctly respond to my complaint numberXXXX Our final payment was initiated at the dealership, not by us. Therefore it is impossible for us to cancel the auto payment after the auto loan and then paid off. 

Continued to draft account, and then in the response charged us with the responsibility of canceling it, which is impossible. 

Drafted of funds from our account should have been returned within 48 hours, even though the bank Identified that the rejected should be credited to our account The funds fundamental were held for almost 3 weeks This delay in processing is in direct Violation of banking regulations specifically for mission time frames.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX  TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (IN)

recieved a call at work from someone claiming to be owner of hotel I work at. Had me try to wire money to an XXXX XXXX XXXX in XXXX. Remitly did not have any way to cancel transaction before it completed. I talked to them but they said it went through and there was nothing they could do. I had no way of cancelling it. they took {$490.00} from my checking. it is a fed ex scam.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I applied for a mortgage with Navy Federal Credit Union on Monday, XX/XX/XXXX via the webpage. I also called them to ensure all the information was received. It was confirmed, and I was told that I would receive a call back in the next day. I called again Tuesday evening around XXXX asking for a status and needing the early disclosures for shopping and picking the best mortgage. I was told it still was not assigned. I reminded the member services representative that those had to be supplied within 3 days of application. She stated that was not the case and it normally took at least 3 days for the loan to even be assigned to a loan officer. On Wednesday, XX/XX/XXXX, I received an approval for another mortgage lender and just decided to proceed with them since I still have not heard from Navy Federal. I called them back the night of the XXXX and just explained that I was not going to proceed and my frustration with the entire process. Today, Friday, XX/XX/XXXX, I received a call from the loan officer wanted to confirm that I wanted the application withdrawn and explained that he still needed to send me the early disclosures. I explained my entire situation and told him that the disclosures should have already been issued based on my date of application. He explained they had 7 days to do this. This, of course, was news to me and I have researched this issue and all my research reveals they should have already been issued. Personally, I will no longer do business with Navy Federal Credit Union. As a member-owned cooperative, I expect more from them. I, however, do want to bring this to the knowledge of management as this is not fair to their members or other consumers. The entire purpose of the early disclosures is to allow consumers to shop and compare. In this case, I did not have that option with Navy Federal. I also explained to the loan officer that I was going to file this complaint as it is important for their success. Based on their webpage and how they advertise their mortgage process, it is extremely misleading for consumers to think they are going to get a speedy response and even required disclosures. The loan officer did explain they were having a lot of issues with this newly installed system. While I understand this, an organization the size of Navy Federal should be positioned not to allow violations such as this. Thank you.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WV)

I disputed an account on my credit report. The original account was XXXX XXXX. Now XXXX XXXX XXXX owns it. 

I had car insurance through XXXX XXXX. When my car insurance contract was about to expire, I switched insurance companies and notified XXXX XXXX. They went ahead and charged me for the next XXXX months. I do not owe that money because my contract had ended. I did not owe XXXX XXXX anything.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (GA)

yes in fact i am the consumer pursuant to 15usc1692a ( 3 ).

Mercantile adjustment bureau , LLC sent several communications to my place of abode without my express written consent. in these communication there were several violations of the Fair debt collection practices act. some of these violations pursuant to 15usc1692k were highlighted and returned with an invoice and demand for payment. i've made several good faith calls which were recorded for compliance purposes to them to allow them the opportunity to cure the outstanding invoice. as of today they late fees assessed have reached- {$12000.00}, in addition the the invoice amount. i will attach all communications as well, certified mail proof of delivery which will show when the late fees began accruing.

pursuant to 15usc1692L ( c ) i am writing to the bureau for administrative enforcement of these violations
Consumer complaint received 2022-08-26
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: TRUIST FINANCIAL CORPORATION (FL)

I was a victim of identity theft, there were 3 auto-loans obtained in my name, two XXXX XXXX XXXX and one XXXX XXXX XXXX. First I received several letters from other banks who declined to approve auto loan due to lack of identity verification, including one from TRUIST bank, who latter approved a loan of {$71000.00} to nn person posing as me?! I am retired XXXX XXXX  since XXXX and have not apply for any loan since then. I suspected identity theft so I put fraud alert and security freeze around XX/XX/XXXX, with all three Credit Information Services both for myself and my wife XXXX XXXX. 
I contacted all three landing companies and and filed fraud claims with their Fraud Management Teams. I was able to get problem solved with XXXX XXXX and XXXX XXXX, they removed their accounts from my credit reports with all 4 credit reporting companies. 
I can not resolve problem with TRUIST, although I signed an affidavit and sent them all requested documents. I disputed this also on my credit reports and only XXXX removed it from my credit. The person in charge with TRUIST said it is under investigation but since than no progress. The person who stole my identity claimed to be ( in my name ) a member of US Military services, which I saw from one of documents sent to me by mail. Also there is a fake phone number and fake XXXX divers license written on some documentsI ( mine ID is from XXXX ), that I mentioned in my affidavit. Also I saw forged signature on these documents.I called sales manger from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX to report him this fraud too, no feedback.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-01
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 # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, XXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S. 1681 Section 604 A.Section 2 It also state the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (CA)

The Debit card was issued by Money Network by XXXX XXXX XXXX for money placed in an account by the State of California for Middle Class Tax Refunds. My husband and I activated the card for the account that contained {$700.00}. On XX/XX/22, I used the card to spend {$82.00} at the local grocery store. On XX/XX/22, someone drained all the money from the account ( ie. they hacked the account ). I tried reporting this to the Debit card issuer, but could not get through their phone recordings even after XXXX minutes, and they had no option on the phone for money stolen directly out of an account. They only had an option if your card was stolen- which ours was not. 

In looking online to try to find out what else I could do to report this issue, I found that I am not alone, others in California receiving the Debit Cards for the tax refund have recently had their accounts drained also. There may be many others in California and it may involve hundreds of thousands of dollars of our tax money.