davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have requested that the late charges added to my credit report from the year 2014 be removed I was in school during this time I should not have late charges on my credit report. XXXX have removed these late charges Trans union and XXXX are not complying they will not investigate they have not shown me any investigation results and they have not removed these late charges. They should not be on my credit report there are 20 in total they say I am late I was not late I was in school. 

Thank you
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our family has a Bank of America XXXX XXXX visa card with an associated annual fee. One of the purported benefits of the card is that when it is used for travel on the airline baggage fees are waived. We attempted to resolve a baggage claim fee charged to us at the airport automated kiosk with customer service staff and they told us to resolve it later via their toll free number so that we could make it to our flight. In person, staff reassured us that we could resolve the situation later. We called the toll-free number today and were informed that the {$50.00} baggage charge would remain because we did not use the appropriate card with the appropriate reservation. 

Feels like a fradulent perk of this card. We would like to dispute this charge and the customer service around this issue was terrible!!
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX  ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-28
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. (IL)

Calling into Equifax customer service at XXXX I used rhe callback function and was called back by an auto dialer where I spoke with a representative XXXX  number XXXX. The representative refused to validate my account and also to transfer me to his supervisor. A supervisor by the name of XXXX came onto the three way call and he disconnected her from the line then put me back on hold on a call going on twenty minutes. He refused to tell me his name so I am considering this a complete breach and FRAUD. I was told by supervisor XXXX when she came on his name was XXXX. He tried to allege that I would have to mail some documents in.
Consumer complaint received 2019-08-24
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. (TN)

. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My roommate pays me $ XXXX  monthly for rent, and has done so since XX/XX/2019. But for the last two months in a row, Chase Bank has placed a 10-day hold on her rent checks, forcing me to scramble when the rent comes due. When I contacted Chase to fix the problem, they would not tell me why the hold was placed, only that the funds weren't available yet and the rest was confidential. My roommate contacted her bank, and the funds went through within hours of the deposit being made in both occasions. Yet, Chase still will not release my money. I am frustrated and am wondering if this is even legal for them to do. Please help.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

On multiple occasions, I attempted to render full payment on my TD Bank credit card issued in conjunction with a purchase at XXXX XXXX XXXX. TD Bank rejected payment on the purported basis that my check lacked an account number, which was a patent falsity. 

I again wrote a check for the full debt amount on or about XX/XX/2019. Before that check was cashed, I received a debt collection call from TD Bank, during which the employee recognized that I had made previous payment attempts. I was told that my paper check had again been rejected due to a purported lack of an account number. I again attempted to make complete payment, this time over the phone. 

In conjunction with my phone payment, on XX/XX/2019, {$6400.00} was deducted from my checking account, reflecting a payment of my debt in full. Then, the next day, TD Bank attempted with withdraw a SECOND COMPLETE PAYMENT of {$6400.00} from my account, based upon my physical check that TD Banks own employee claimed had been rejected. This causes by checking account to overdraft, resulting in bank fees. In addition, despite my full payment, TD Bank is now demanding that I pay a {$35.00} check return fee, despite my full payment and being told that my check had already been rejected. 

TD Banks behavior has been opaque and misleading. I feel as if my attempts to pay my debt in full have been arbitrarily rejected to either extend the interest-chargeable life of my debt or to cause me to incur fees.
Consumer complaint received 2022-05-03
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  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MXXXX 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
Consumer complaint received 2019-08-24
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)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

This company continues to send me robots calls and text messages saying they are synchrony bank and I have a debt with ashley furniture. There's nothing in my. Credit report and I've never been there. It's frustrating because they call multiple times a day, and I feel like that's violating my rights. They have been doing this for a couple mo these and its progressing to 3x a day. I can provide the text messages and further calls from my previous phone if needed.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2019-08-24
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: NAVY FEDERAL CREDIT UNION (NH)

I have been a customer with Navy Federal since 2007 and overall has been a decent bank. I just recently had a credit card reported as 31 days past due on my credit report and this was not accurate. It is fraudulent the payment was 29 days past due on XX/XX/XXXX when I made my payment at XXXX. I selected my payment date of XX/XX/XXXX and went about my business. A couple days later I go online to make schedule another payment on a different account and see that my payment shows 31 days late.

I called the 1800 and they tell me I did not make the cut off. Any other bank that has a cut off time clearly displays the policy on the payments page. I searched high and low for this policy and could not find anything. I eventually find something that contradicts what they told me. A cutoff of XXXX   eastern time. My payment was made before that.

I then called the customer service number with the information I found. I asked the customer service representative ( XXXX  ) if she could show me where to find the XXXX eastern time cutoff notice and she looked for about 15 min even asking 2 supervisors for assistance and could not give me an answer. Instead she berated me about having past due accounts. I have 0 other late payments in my credit history, and I get one from NFCU for an on-time payment. I was shocked to see this as I have been past due for a while, but I am very cautious about paying anything beyond the 30 day mark. I was also shocked at how unwilling they were to help. As soon as I question the policy the agent became very defensive and then came the aggressive tone and I am frustrated about the whole situation. I want this fixed I did make my payment at the 29 day mark and the late mark should be corrected. If they did this to me I cant imagine how many other service members are out there not knowing that this is wrong.
Consumer complaint received 2021-06-25
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: CNG FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

`XX/XX/2019 inquiry on credit report, Transunion only, from XXXX/XXXX XXXX XXXX XXXX/XXXX. Notified by XXXX XXXX, when I tried the phone number it was a medical scam company I am concerned about identity theft. Creditor Contact Details are : XXXX/XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I reviewed my credit report through Transunion. I have an unidentified hard inquiry on my file. XXXX Inquiry from XX/XX/2017. I did not authorize this inquire and Transunion refused to remove this from my credit report.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PHONE XXXX XXXX XXXX XXXX filed legal action against me ( XXXX XXXX ) in XX/XX/2017 regarding a XXXX XXXX XXXX credit card. 

XXXX XXXX XXXX sold this account to XXXX XXXX. I disputed this complaint in court and won the case, Judgement for Defendant ( see attached ). 

I sent the attached later to all 3 credit bureau. ( XXXX, XXXX, and XXXX ) who conducted an investigation. 

XXXX  received my documents that released me from this obligation and they DELETED it. 

XXXX XXXX is still reporting to XXXX and XXXX that I owe this obligation. 

I am requesting to have this derogatory XXXX XXXX account DELETED from all three ( 3 ) bureaus immediately. The court ruled : " Judgement for the Defendant '' I do not owe anything.
Consumer complaint received 2022-05-03
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. (CA)

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-03
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. (FL)

I have sent out a letter to Transunion on XX/XX/2022 regarding some inaccuracies I found on my credit report with the following accounts. I have not received anything from them and would like the following accounts removed as it is hurting my credit score significantly XXXX XXXXXXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Below is the letter I have sent them along with proof of ID and residency
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Hello, I notice that there are collections accounts on my credit report. I never had credit with this creditor XXXX in XXXX or XXXX. I have asked this company serval times to provide me with documentation showing that the account belongs to me. It's been over 30 days and I have not heard back from them. Please can anyone help me.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX, XXXX, and XXXX  they have not sent me any documents bearing my signature as of today. The following companies are : Midland Fund - Opened XX/XX/XXXX, and XXXX XXXX - Opened XX/XX/XXXX. I would like your help with this matter.
Consumer complaint received 2018-08-01
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2017, XXXX charged my credit card promising the creation of a Brand Of products to be sold online, especially on XXXX. The couching sessions, bonuses, and other promises never materialized. 
Attached you will find documentations showing my repeated attempts to get the money refunded and the FTC suit against the XXXX XXXX. 
BARCLAYS bank claims that since I paid the balance in full, I can no longer claim a refund.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

repeated calls multiple times a day from various phone numbers If I answer, they say nothing. If I don't answer, they don't leave a message. I have called back and the name is National Credit Adjusters. I have no knowledge of this company except that they are harassing me with their calls.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK  STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE
Consumer complaint received 2022-05-03
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)

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX