davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.
Consumer complaint received 2022-08-17
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. (NC)

In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 XXXXXXXX
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ASSOCIATED BANC-CORP (WI)

Case # XXXX-XXXX  was closed but not solved. 

In Associated Banks response they admitted that their employee did not stop/opt out of their overdraft protection service as I requested back in XXXX to which resulted in my account to be allowed to go negative twice for {$2000.00} each to which I had to borrow the money to cover it. 

They did refund the overdraft fees but should be partially responsible for the money allowed to go negative. 

Thanks for your cooperation. 

P.S. 
I do not want calls from them since I received harassing calls on the first complaint from them. 

All correspondence will go through this site.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: eMortgage Funding LLC (MI)

eMortgage Funding LLC is calling me via XXXX XXXX from a credit pull I had from another broker. They have called 4 times, each time I clearly say to opt me out and put me on your do not call list. Each time they hangup on me, and then I get another call the next day. Each time they call from a spoofed number that is different. An audit will need to be conducted to uncover their calls to XXXX XXXX at XXXX XXXX XXXX. A review of their call recordings will show the blatant disregard for compliance.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

XXXX I sent a validation of debt request Notice pursuant to 15 USC 1692g asking for an audit trail of the alleged debt and for I C System to Cease and Desist collection activity on my consumer report. 
XXXX The Notice was received by I C System Office, and the green return receipt was sent back to me.
Consumer complaint received 2022-08-17
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. (NJ)

I was affected from Equifax by reporting false credit scores. Equifax assumed a vital role, which I did not consent to, in assembling and evaluating consumer credit and other information on consumers. As a consumer reporting agency, they have a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, in which they have not. They were unfair, and impartial. Theyve been furnishing my information without my consent and not respecting my privacy. They never had a permissible purpose. I never instructed them to even create the report.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (NY)

My complaint is now against YOU, the CFPB. 
You are a farce. 

I filed a complaint, the bank responded, and you promptly closed the case, simply because they responded. 
Their response was not helpful, made no attempt to pay me back, did not settle the issue at all, but you guys closed the case. 

You are completely useless. 
You are likely in bed with the defendants ( the bank ). 

Shame on you for not doing your jobs and advocating for the banks instead of the clients.
Consumer complaint received 2018-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I took out a home equity line of mortgage with Chase in XX/XX/XXXX in the amount of {$10000.00}. From XX/XX/XXXX until XX/XX/XXXX Chase sent my coupons to another person in XXXX XXXX at the request of my husband. The other person was a CPA and together they did not want me knowing the home equity was being used with out my permission ( noone was paying the home equity either. I had no idea The balance went from {$4.00}, XXXX to XXXX, XXXX in one day ( XX/XX/XXXX ) to XXXX XXXX by XX/XX/XXXX and then to {$93.00}, XXXX by XX/XX/XXXX all with out my consult. 

If it was ok to do this without my permission why did they call me for payment. 
If I had no idea why should I have to pay?. That was XX/XX/XXXX. Chase is a major household name. If they did this to me, How many other people did they do it to. 

To have a major name do this to a human is unfair and unjust. It increased my XXXX no end. I was crazy with XXXX to the point I would do nothing else but pay them XXXX a month for 4 years. BOTH PARTIES SHOULD BE NOTIFIED NOT ONE BUT BOTH SIGNATURES. WHY IS IT OK TO SEND TO A STRANGER IN XXXX XXXX????? Chase should have seen the payments were not being made and looked to see why? My XXXX increased so bad. After I made the last payment I have not been able to hold since XX/XX/XXXX. I finally paid it off. This is wrong a persons coupons can go to a stranger in another state. because the other person on a loan said so. How many other times was this done? I would say at least XXXX times. I would like this investigated as to why both parties do not need to be aware? how many times Chase did this to people. I would like to have no XXXX like the days before my home equity. I would like to have a job again. The shock of knowing this is ok for a bank to do is incredible. It has caused so much XXXX I can not function. PLEASE INVESTIGATE THIS IMMEDIATELY. It is wrong of Chase to do this. If I had no idea, why dis chase hole me accountable to pay the home equity.? I should not have been responsible to pay since you never send me the coupons.
Consumer complaint received 2023-03-09
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. (FL)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
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 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help
Consumer complaint received 2024-03-20
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

First & foremost, I have been going through a financial crisis since 2022. After moving to XXXX, My mailbox was broken into and my new license and credit card ( s ) were stolen. From then I knew I had to start montitoring my credit. I was using the app and everything seemed to be fine for about 6-9 months. When I started to struggle, I was unable to keep up with my monthly subscriptions for my credit monitoring so I was unable to monitor what was going on with my credit for a few months. When I was finally able to start back monitoring, I noticed my credit had dropped XXXX points due to someone attempting to get cars in my name ( due to all auto inquiries ) & the thieves successfully got an apartment IN MY NAME!!! ( a collection company has been harassing me to pay them ). I just want these items removed, so I can go back to my normal life.
Consumer complaint received 2021-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I frequently go on XXXX  to track my credit. I am planning to make a large purchase soon so my credit score is imperative. 

I always use and pay my credit cards off before they are due ( within 30 days ) so I can access rewards and avoid any loss in credit score points. On XX/XX/XXXX, my credit score was XXXX on Transunion. When I checked on XX/XX/XXXX, my score had dropped 7 points to XXXX. When I called Transunion to ask about this drop in score, I was given the runaround by both the initial person I spoke to and then again by a supervisor. I was on the phone for more than 30 minutes. They gave me all kinds of reasons why my score dropped but none applied to my account. As I said, I paid all my cards off immediately ( before they were due ) in the hope that my score would be returned to its XXXX status but that has not happened. As of XX/XX/XXXX, I still have a XXXX score with very little debt and nothing late, no hard credit inquires, nothing unusual on my accounts and no new accounts. I was under the impression that as long as I paid the debt off in full within 30 days my score would not be affected. This is obviously not how it works but I feel I have been punished for using my card and paying off the debt. The folks at Transunion were not helpful as every reason they gave me that my score would drop by 7 points did not apply to me. The other credit bureaus did not drop my score by 7 points. Please find out what is happening.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

I am not liable for this debt with XXXX XXXX  and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}
Consumer complaint received 2022-08-17
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. (CA)

In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

XXXX. XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We were charged for four separate charges totaling {$71.00} on our credit card operated by Bank of America ( BoA ) to a XXXX company named XXXX which we did not authorize. We had made one purchase from this company but did not authorize it to keep our credit card information. We did not authorize any further charges nor did we authorize any services or products from this company. Apparently XXXX kept our credit card numbers on their files. We understand this company is a XXXX company. 

We filed a written complaint with BoA on XX/XX/2018 disputing that we had authorized these {$71.00} charges and signed a written statement to BoA to this effect. On XX/XX/2018, BoA wrote us they were " unable to determine that a billing error occurred based on the information or documentation available to us ... .we consider your disputed resolved and the balance owed. '' We then called BoA and spoke with their representative who said we would have to provide written documentation that we had not authorized the charges for XXXX. We asked how we could disprove that we had not authorized these charges and he could not answer. He acknowledged that BoA had not contacted XXXX asking for my signed authorization for these charges or any information about what these charges entailed. 

We are in an impossible situation. We can not disprove that we did not authorize these charge and have no information as to what these charges involved as the product or service allegedly provided to us. This company evidently kept our credit card information illegally and then used it to bill us for four charges.
Consumer complaint received 2019-01-16
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. (CA)

This debt was reported to the FTC and blocked my other credit companys 2 years ago. They moved it simply from XXXX to TU. At the time of the alleged debt I was fully employed and covered by XXXX XXXX XXXX XXXX that fully covered any alleged visit and this is just games by a company with thousands of complains for doing the same thing. 

If it was supposedly after that moment I was covered my XXXX XXXX XXXX XXXX that also fully covered any such incident and XXXX was aware and should be responsible for there own billing errors
Consumer complaint received 2020-07-26
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. (MI)

I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX   after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity.
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (VA)

Today, XXXX XXXX XXXX left me a voicemail stating " I received an order in my office today to complete and process several pending matters. You are currently being investigated for. I will be verifying your current address and employer. '' I called them back to find out what it was for - They called from XXXX, but told me to call them at XXXX. When I called the woman who answered asked me to verify my SSN and date of birth. When I asked what company she worked for she said client resolution services. I asked what what this is in regards to. The woman responded an old debt from XX/XX/2015. She said that the last payment of {$100.00} was paid on XX/XX/2015. I said I thought that the XXXX made my account paid in full and I never used the card again because the interest was so high. I said that I disputed the debt until I received confirmation as to what I owe - if anything. She because aggressive and said that I defrauded the company out of many and said that if I didn't agree to a {$37.00} biweekly payment schedule than she would report me to their client as refusing to pay! I said I'm not refusing to pay, but need to ensure if I really owe anything. She said that I should already have it and asked if I would pay {$37.00} biweekly. I said not until I received a letter of what I owe if anything. She put another woman on the phone and the above conversation happened again. But this time, they said that they are going to sue me! Over {$200.00} really?!? They hung up on me. I called again and asked to speak to a supervisor ; they said one is not available. I asked for the address to the corporate office ; they said they would not provide it to me and hung up. Called again, and they hung up on me. And most of all, they didn't not tell me, " we are a debt collector and any information will be obtained for that purpose.