davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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. (FL)

This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!
Consumer complaint received 2021-07-05
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: MAJR Financial Corp (GA)

1-Major Financial Corporation XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2020-06-23
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$850.00} XXXX XXXX {$800.00} XXXX  XXXX {$460.00} XXXX XXXX {$720.00}
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Altisource Portfolio Solutions, S.à r.l. (IN)

IGNORED CEASE AND DESIST AND DO NOT CALL AND CALLING HOME, WORK, CELL AND SKIP TRACING WUTH INVANSION OF PRIVACY INFRACTIONS IN VIOLATION OF FCRA NON VALIDATION OF DEBT.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MO)

For my Chase XXXX XXXX credit card, I notified them of my name change from marriage immediately, as it is a legal name change and I no longer go by my previous name at all. I received an email asking me to fill out a form that Chase was going to mail to me to update my name. I then sent and attached an email with my new driver 's license and social security card to them. I asked for them to immediately update my name and explained the name I wanted it updated to. I explained it was a legal name change, and my name was no longer the same, so this definitely needed to be updated ASAP. They confirmed receipt of the email with the attached files. They continued to ask me to fill out a form they were mailing, and six separate representatives confirmed that after the form was received with my new name information on it, because I already sent in the proper files, my name would be updated. I escalated to management because I felt that I had sent in sufficient information for my name to be updated without the mailed form, however, everyone refused to update my name. All customer service was foreign and kept repeating the exact same information. I received the form, filled out my name as the instructions stated, and sent it back. What I expected was for my name to be updated, but it was not. Instead, I received yet another letter stating that I needed to send in documentation with yet another form to update my name. I called in to customer service and spoke with a representative, and supposedly a manager. Once again, I was given the run around and told that they had no information showing my name change documentation, even though, as I stated previously, I spoke with six people that guaranteed my name would be updated as soon as they received the mailed form with my information. As all of this took over two months, I decided to close my account. I feel that I should not have had to do this, however, after receiving months of run around and incorrect information from people who just kept repeating theirselves, I felt like this would never get resolved. I really feel like Chase is employing people who do not really know what they are doing, they can not make outside the box decisions, or look up information in order to help a customer. They are employing incredibly outdated tactics from the 1980s in updating information on accounts ( requiring mailed letters, etc. ) and there is no good customer service at Chase. I have at least fifteen other credit cards, and I had no issue with any of them except Chase.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (OH)

My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mandarich Law Group, LLP (WA)

debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in XXXX
Consumer complaint received 2019-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Back in XX/XX/2018 I disputed this account with XXXX with XXXX  in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use XXXX  for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX  as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NC)

On multiple occasions, Nordstrom ( TD Bank NA ) only notifies me of a missed payment on the next month 's billing statement. Most recently, for the XX/XX/XXXX payment due date, Nordstrom emailed an electronic billing statement prior to the due date in lieu of a paper billing statement ( per my opt-in/request ) ; however, as the due date approached there were no reminder notifications nor any indication that I had missed the payment date until I received the XXXX billing statement on XX/XX/23. 

Furthermore, I was advised by the customer service rep on XX/XX/23 that because I have opted-in to receive electronic billing statements, it was not possible to set up alerts on my account. 

This practice of not informing customers of an approaching due date, or of a recently missed payment seems unfair and deceptive as it is a way for the institution to collect late fees customers. This practice is also not consistent with similar accounts that I have with other card issuers/financial institutions where I received multiple alerts, reminders, etc. to aid in effectively managing the account. 

This practice causes material harm to me as a customer in the form of late fees ( {$37.00} ) at a time when my household income as already been significantly reduced by COVID-19, as well as harm in the form of negative consumer reporting.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-05
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: NAVY FEDERAL CREDIT UNION (GA)

1.Navy Federal XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2019-10-21
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. (TX)

XXXX Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had my personal information stolen after opening a new business and an est. amount of XXXX that was missing and I also had company fuel cards stolen using an est amount of XXXX, XXXX, XXXX XXXX with XXXX XXXX, capital one 360, capital one spark, XXXX XXXX personal and business, XXXX  XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX, XXXX I did file police reports after each time that my semi-tractor trailer was broken into without my permission some of the companies that I was working for is the same individual that broke into my semi and stole all of my personal and business information and I have a lot more evidence that can not be said as of yet.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2015-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSI Enterprises, Inc. (DC)

I got a letter today, XX/XX/XXXX, from RSI enterprises inc., saying that it was attempting to collect a debt from the DC office of tax and revenue. It says that I owe {$4900.00} for a tax period end date on XX/XX/XXXX. It then directs me to pay online XXXX. The issues include:XXXX I did not live in Washington, D.C. during the XX/XX/XXXX tax year, so I do not owe this debt. I would attach a receipt for my XX/XX/XXXX state tax return for the state where I was living, but I do n't want to give RSI more of my personal information. 

XXXX. If this even is a legitimate debt collector with bad data, and not an outright scammer, a ) this is the XXXX I 've heard about this issue -- has this hurt my credit because they notified me 5 years after the data error was made? b XXXX it says the principle was {$2400.00}, the interest is XXXX, and the penalties are {$600.00} -- they essentially XXXX the supposed debt? No wonder they did n't try and tell me sooner that they thought I owed this -- they could charge more interest/fees. 


XXXX. I am split on whether or not this is even a legitimate debt collector. " OfficialPayments.com '' is the most scammy sounding website I 've ever heard of. This is exactly what scammers do to try and trick people -- send official looking letters with threats of owed money, and then tell them to send money through sketchy .com websites. 

XXXX. The letter includes a logo for the " XXXX. '' If RSI Enterprises, inc. is actually a member -- they would have a ) a legitimate website, b XXXX better data. If they are a member of the " XXXX, '' they should be kicked out.
Consumer complaint received 2021-09-10
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

A check was stolen from our checkbook and cashed for {$2000.00} by an unknown person. We alerted XXXX on XXXX/XXXX/XXXX before the check had cleared that this check was fraudulent. They did n't stop the check. 

After the check had cleared we filed a claim of fraud with XXXX. They informed us that we should NOT contact the police, that they would do an internal investigation and refund our stolen funds. 

On XXXX/XXXX/XXXX they denied our claim, stating that we " benefited from the funds ''. When we tried to contact the number they provided the XXXX representative refused to put us in touch with a XXXX who could explain this decision. 

We are seeking to have XXXX return our funds.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (FL)

At the end of XXXX, my credit score randomly dropped XXXX  points. Worried and frantic, I checked to see what had changed on my credit score as nothing major has changed with my credit that I was aware of. Hyundai Motor Finance has apparently stopped reporting my loan which plummeted my credit score big time despite me still having an open account with them. When I tried contacting them to figure out why, they told me they could not help me and had no explanation as to why.
Consumer complaint received 2017-10-03
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: Experian Information Solutions Inc. (CA)

On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX, 2017 and I have not heard from XXXX or XXXX at all regarding these matters. Additionally, Experian 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a  violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I have been working with Wells Fargo since XXXX to try to get a short sale approved. There have been at least XXXX occasions where the person that I have been working with for an extended period of time has gone out on leave and I have not been notified. No one bothered to check this persons messages or email and follow up with people that the person was working with prior to leaving. Additionally, my realtor has been reaching out to the negotiator at the mortgage company with questions about requested documents and no one has gotten back to to her. My buyer is still interested in moving forward, but does not want to hang around much longer.