davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 1681 c. ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7400.00}, XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$890.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$960.00}, XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}. Please update.
Consumer complaint received 2023-01-13
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. (NY)

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 else should I say? Again, this situation is making me sick! Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There are 6 accounts reporting to XXXX which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the banks and they agreed to not report the accounts on my file. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (NY)

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 else should I say? Again, this situation is making me sick! Transunion is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There are XXXX accounts reporting to Transunion which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the banks and they agreed to not report the accounts on my file. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (IL)

I was in a pretty desperate situation and took out a loan for {$1500.00} with target cash now. I had previously had a loan with them and the loan payment was quite a bit less. So, to help pay my bills I took out a second loan with them. For a loan of {$1500.00}, I now have a payment of {$490.00} every two weeks. I will be paying back approximately {$8000.00} on a {$1500.00} loan. This is putting me into a worse situation than I was in before and I am desparate to get some relief and be able to get current and stay on top of my monthly bills. I dont know what to do to get myself out of my current situation, but I feel like I am so far under water that my situation will keep getting worse. Please let me know what I can do to solve this situation.
Consumer complaint received 2021-02-17
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. (TX)

Hello I have continuously tried to express to the credit bureaus and XXXX XXXX that the account credit card account they have concerning me is not mine and is fraudulent. I am a victim of identity theft and did not open a credit card account with XXXX XXXX XXXX.
Consumer complaint received 2021-09-23
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: CITIBANK, N.A. (CA)

Transaction Details : Transaction Date : XXXX Transaction amount : {$610.00} Merchant : XXXX XXXX aka : XXXX XXXX  XXXX Dispute Details : Bank XXXX XXXX XXXX  XXXX XXXX Fax : XXXX XXXX Dispute amount : {$610.00} Dispute ID : XXXX XXXX XXXX aka XXXX is the company my retirement  company  contracts to purchase amusement park tickets ( XXXX ). XXXX  XXXX  aka XXXXXXXX is managed by XXXX XXXX XXXX ( XXXX  ), is located in Florida. 

On XX/XX/2021, I went on XXXX to purchase ( 5 ) XXXX tickets. As directed by their website, beforee purchasing the tickets, I clicked on their link to review the XXXX calendar to ensure XXXX XXXX XXXX XXXX reservations were available for Monday, XX/XX/2021. According to the XXXX  link, their calendar indicated " Tier " 2 '' was available so I purchased ( 2 ) adult and ( 3 ) children 's tickets for a total of {$610.00}. After purchasing the ( 5 ) tickets with my Citi Bank credit card, I printed each ticket as directed. Next, I attempted to make our XXXX XXXX reservation for XX/XX/2021, but was informed by the XXXX web site that the park was not available, so I immediately called XXXX XXXX  ( XXXX  ) customer service at XXXX XXXX and was directed to call XXXX customer service at ( XXXX ) XXXX opt # 1. Their customer service rep told me the " third '' party ticket company ( XXXX  ) was not providing " real '' time park availability on their website. " The Tier 2 tickets that XXXX  website were available were not " unable '' and only Tier 5 tickets were eligible for XX/XX/2021 ''. Another words, the tickets that XXXX  sold me were " unuseable ''. I called XXXX  and informed them about the information that XXXX customer service had told me that XXXX  sold me " unusable '' tickets. Two days later I received an email from XXXX  indicating they were unable to upgrade my tickets to Tier 5 and were not able to refund my {$610.00} since my purchase was made as a " final sale product ''. 

In summary, I have ( 5 ) XXXX tickets that cost me {$610.00} that are " worthless '' because XXXX  sold me " unusable '' tickets that XXXX will not honor or allow me to upgrade to '' Tier 5 ''. 

On XXXX, I filed a dispute with CitiBank informing that I received a product that was " unusable ''. On XX/XX/2021, CitiBank informed me that the merchant ( XXXX  ) would not " honor my request for {$610.00} credit '' and they ( CitiBank ) do not have the authority to " reverse the charges ''
Consumer complaint received 2021-07-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$450.00} -This is not my account.
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: Experian Information Solutions Inc. (NY)

I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my consent or written instruction. Experian has neglected my rights as a consumer by allowing companies to share my non public personal information without my consent. Experian has also used this information to furnish an invalid consumer report. XXXX makes it clear that as a consumer i have a high to privacy. This credit reporting agency which is also considered a financial institution has violated my federally protected rights as a consumer and has benefited off of this action.As a consumer I have rights to privacy and Experian has violated my rights by failing to meet the needs of XXXX by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of XXXX XXXX XXXX ( b ) by furnishing a consumer report on my behalf and failing to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. Experian is in direct violation of XXXX XXXX XXXX in which I have not authorized, consented or given any direct written instruction for Experian to report these inaccurate accounts on my consumer report leading to identity theft. Their Wilfull noncompliance which is a direct violation of XXXX XXXX XXXX has caused me actual damages and severe XXXX. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violation of the FCRA law XXXX by not holding up to its responsibility when furnishing consumer reports. Experian is in violation of multiple laws under the FCRA and is also in direct violation of the XXXX XXXX XXXX XXXX of 1999.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX tel # : XXXX amount of dollars : {$1000.00} claim # : XXXX This claim # XXXX is similar to this claim above for {$1000.00}. It didn't issue me a provisional credit nor questioning by phone call. So, please favor me with the amount of dollars above because it was a fraud claim and not a refund claim and it was just a prediction by the researcher. 





customer, XXXX XXXX  XXXX I have faxed into XXXX to reopen up my claim but it seemed they didn't receive it.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MS)

On XX/XX/XXXX, my wife and I went to get preapproved for a new mortgage loan as we are both in the XXXX and are being XXXX in XXXX weeks ( XX/XX/XXXX ). The pre approval was denied because our credit report stated we had a late mortgage payment. We were very confused because we were unaware of any late payments. Upon calling LoanCare we were informed that in XXXX of XXXX our auto draft payment was sent back from our bank for insufficient funds. We were unaware of this. At the time, we had noticed the money was still in the account and went online to make the payment. We were under the impression that there was something wrong with the auto draft, so we continued to pay online. Never at any point did we get notification from LoanCare letting us know what was going on.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

XX/XX/XXXX - Initially, a debt collection showed up on my credit from a Capio Collections, this collection was originating from a XXXX XXXX XXXX for {$270.00} back in XXXX. As this was past the Texas Statute of Limitations ( 4 years ) for reporting a collection debt and I had no previous knowledge of it, I disputed it at the recommendation of my legal rep. It was removed from XXXX based off this information. 
XX/XX/XXXX - I then received a bill from Capio ( again, hadn't heard from them PRIOR to them illegally putting a negative account on my credit report ) AFTER they got removed from my report. This is still past the statute of limitations & I still dispute the bill period. But I also know not to engage the entity directly as this can cause adverse actions since this weird law is now in effect that we protect businesses but not consumers. 
XX/XX/XXXX - a collection from a Asset Care showed up on my XXXX and my XXXX for the exact same originator and amount = XXXX XXXX XXXX {$270.00}. STILL against Texas statutes and still not legal, still disputed. I disputed with XXXX and XXXX, same dispute facts w/ add'l info about Capio from XXXX. Removed from my reports. Was recommended by reporting agencies to report the Asset Care entity to Federal Trade Commission/CFPB. 
XX/XX/XXXX - collection from Asset Care for exact same XXXX XXXX XXXX {$270.00} showed up on my XXXX. 
XX/XX/XXXX - Reported dispute for exact same factors - statute of limitation and no knowledge of bill to XXXX. 
This is absolutely inappropriate and illegal behavior. This is an old, most likely fraudulent, account that someone purchased to try to get money from me that I do not owe and they are banking on consumers not being wise or resourceful enough, or maybe not wanting to mess with it, scared about the negative credit impact, and willing to just pay it. It's not okay.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I am contacting XXXX  XXXX XXXX in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX XXXX XXXX   and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (DE)

The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.
Consumer complaint received 2023-01-12
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)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Hello, My name is XXXX XXXX Upon reviewing my lexis nexis report i found that there is a claim report on a vehicle from the previous owner before i purchased the same vehicle XXXX months after. 
XXXX file number is XXXX XXXX claim is XXXX Previous owner policy number/type is- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX number of vehicle is XXXX My name is XXXX XXXX and Fiance name is XXXX XXXX we purchased this vehicle XX/XX/2021 and on our Lexis NexisXXXX XXXX report says that there is a claim from XX/XX/2021 on our report. 
Please for correction. 
Also there is a open claim from XXXX where it says that they paid XXXX $ to me and some insurance companies get confused that i have a claim still open. Please for correction so future misunderstanding is avoided.
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I recently sold a vehicle to a company and was issued a check for {$400.00} on XX/XX/XXXX. I deposited that check and Chase placed my account on hold. I have been contacting check since that date and it is now XX/XX/XXXX regarding this issue. They refuse to call the number of the company to verify the check due to it not being verifiable in their system. I had the lady who writes the checks call to give them the information needed and the refused to give her any information and told her Its between her and the bank. The last phone call I had with a representative I was told my account is in the process of being closed and even when the check is verified, my account will still be closed. Ive received so much conflicting information and my account is now restricted, direct deposit from my job will now process late and can not pay any bills coming up.