davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-17
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: ECMC GROUP, INC. (FL)

i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$820.00}.
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp. (PA)

So I had a weekly lease for the vehicle to drive for work from Fair. I had the vehicle for almost 2 years maintaining the {$200.00} a week with no problem. On a day a payment was due to be taken out it didn't come out of my bank account. I called the company and they told me my account was in good standing and that they would have all the problems fixed. Then the corona virus hit and I wasn't working as much, and they still weren't taking money out of my account weekly and there was no way on the app to pay for the vehicle. I then returned the vehicle since I wasn't driving for work because of covid. They started calling me at about a few months of not taking a payment telling me I needed to pay about {$2500.00} and asking me how I would like to pay this. I continually asked them to please send me a bill so I could work things out with them. They assured me they would. But then started calling me every single day up to 10 times a day. I had to block them because it was a nuisance, all hours of the day, weekends, holidays, from different numbers. I never got a detailed bill on how I could even begin to make payments or anything. They call me and tell me the same exact thing, and I just stopped answering because nothing is being done. It's becoming harassing and I don't answer the phone to any numbers I don't know now. I'm not even sure of exactly what I owe them because I never got a detailed bill. It seems different every time they called and I talked to someone. The calls seem to be threatening, and I've even ended up in tears and getting upset when I did talk to them. So I stopped answering and I never got a bill in the mail.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Have attempted to dispute by mail asking them to remove four inaccurate addresses one which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX NM XXXX NEVER LIVED IN NEW MEXICO XXXX XXXX XXXX XXXX XXXX, Ohio XXXX -INACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX -- WRONG XXXX XXXX should be XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX -- NO XXXX XXXX LISTED
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The company is Equifax I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports XXXX is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you XXXX XXXX
Consumer complaint received 2022-01-15
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. (TX)

AS PREVIOUSLY EXPLAINED IN A " CLOSED '' COMPLAINT NUMBERED XXXX XXXX XXXX XXXX, A PAID EMPLOYEE AT CHASE BANK FRAUDULENTLY REVERSED {$890.00} DOLLARS OF A {$900.00} DOLLAR PAYMENT THAT I MADE TO XXXX XXXX XXXX ON XX/XX/XXXX. 
AGAIN, I DID NOT MAKE SUCH A CLAIM, AND CHASE BANK CAN NOT PROVE WHY WOULD I DISPUTE ALL OF THE PAYMENT EXCEPT {$9.00} DOLLARS? ESPECIALLY SINCE THIS PAYMENT WAS TO ZERO OUT MY EXISTING XXXX XXXX  BALANCE! 
AS OF XX/XX/XXXX, XXXX XXXX XXXX IS CHARGING ME THE {$890.00} DOLLARS THAT WAS REVERSED UNAUTHORIZED AND HAS LISTED IT AS A, " RETURNED PAYMENT, '' ALTHOUGH CHASE BANK HAS REPORTED TO THIS BUREAU IN THE ABOVE NUMBERED CASE THAT MY CHECKING ACCOUNT XXXX HAS BEEN GIVEN CREDIT FOR THE {$890.00} DOLLARS. 
THE ROOT PROBLEM IS THAT THE FALSE CLAIM SHOULD NOT HAVE EVER BEEN MADE. 
MY PAYMENT MADE SINCE XX/XX/XXXX WAS TAMPERED WITH, AND CHASE BANK IS RESPONSIBLE FOR ITS AGENT IN THE CLAIM DEPARTMENT WHO NOT ONLY PROCESSED THE FAKE XXXX XXXX XXXX  CLAIM, BUT THE FAKE RISE CLAIM FROM XX/XX/XXXX AS WELL!
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$730.00} XXXX XXXXXXXX XXXXXXXX {$840.00} XXXX FXXXX XXXX {$400.00}
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (AZ)

Discover Credit Services has submitted a legal tax document to the Federal Government that states a debt they allege I owe, was " Cancelled. '' In spite of this notification to IRS, Discover continued to try and collect this debt from me. Every month Discover Credit Services notifies all three of the Credit Agencies that I am at 98 % of my credit limit. Incorrectly reporting this status, while telling a Federal Agency that they cancelled the debt. This is a violation of Federal Statute. I have enclosed the Statement that Discover sent to The Department of the Treasury, Internal Revenue Service.
Consumer complaint received 2021-11-30
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)

Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts
Consumer complaint received 2021-11-30
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)

Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

Was charged extremely high interest rate of 24 % in state of california.It is practicing predatory loan charges and internal scores.I bought a vechicle through XXXX price XXXX.put XXXX down .They financed me through Santander consumer.The car was aXXXX in which I purchased in 2020 I have been making payments every month.What started as a XXXX loan is still a XXXX loan.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$720.00} XXXX  XXXX {$720.00} XXXX {$0.00} XXXX {$0.00} CB XXXX {$0.00} XXXX  XXXX {$380.00} XXXX OF XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$140.00} XXXX XXXX {$0.00} XXXX XXXX {$400.00} XXXX XXXX {$840.00} XXXX XXXX {$730.00} XXXX {$14000.00}
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (NJ)

Although I am entitled to an accurate credit report, I recently, around XX/XX/XXXX I checked my consumer report only to discover many inquires and a few account I didn't authorize. Immediately I contacted Experian the furnisher of the report, I began a dispute which included XXXX inquires, XXXX accounts as well as numerous variations of my name and addresses I never lived at. The following days I was contacted by Experian with the results of my dispute where all disputed items besides the addresses were disputed off my report as well as a bunch of inquires I didn't dispute. Pursuant 15 US code 1681 e It is my Right to an accurate report Experian violated my rights by furnishing my report to persons without permissible purpose. Said inaccurate information has led to injury by way of a drop in my credit score as well as multiply denials for too many inquiries.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

under Section XXXX XXXX, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ w ] ithin XXXX days after the initial communication with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-04-05
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. (UT)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

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 2021-10-27
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. (IL)

I authorized payment for my XXXX XXXX  XXXX account To XXXX XXXX on XX/XX/XXXX for the amount of {$6.00}. I received a notice generated by their computer that the payment was authorized. After making the payment, my balance was XXXX. I never followed it up because the account was paid off in full. I never received a phone call from XXXX bank that the payment was not made. I never purchased anything from XXXX XXXX  XXXX until last week. 

All of my prior payments were being made through the same bank account and I had no problem. In fact, I had authorized the bank to take the minimum payment on the due date of each month. 

The bank is claiming that my account was frozen at XXXX XXXX  and when I checked it out, my bank told me that the account was never frozen. In fact, I looked at my account and all the other payments were being made that I authorized. Due to this my credit score went down from XXXX to XXXX. I also realized that one of their Reps outright lied that my bank account was frozen. 

I have called XXXX XXXX  about the payment about 4 times and still, they are not removing late payments of 30 and 60 days. They connected me to Equifax and I could not upload the notice authorizing the payment on XX/XX/XXXX. I have already sent the authorization to XXXX. 

Once I realized the late payment of 60 days, I made a payment so that my account is current. Due to this, I was denied credit from XXXX bank where my account is.
Consumer complaint received 2023-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

I have been struggling financially and am behind on rent several months due to covid / work and can not make my monthly Navient payments because I'm attempting to pay back what I owe for rent. I have court dates set up for the next few weeks because my building is attempting to sue and/or evict me if I don't make my payments. This is extremely stressful and difficult for me as I'm trying my best to pay my rent every month. Navient doesn't care or understand that I can not make my monthly payments with them in fear I will have nowhere to live. They expect me to pay almost the same amount of what I pay in rent every month and it is impossible. They won't help me and although I have tried to recently make payments with them, I can not make any more in the future for my rent is my priority right now. They refuse to turn off my auto pay and expect me to pay them instead of my rent. They are robbing me of my livelihood. I need help.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Am Having A Problem With my Bank Of America Checking Account i Was Charge {$35.00} Dollar Overdraft fee on my Account for a Transaction From XXXX I Contacted Bank Of America Customer Service to see if they would help me remove that fee from my account i never had a overdraft fee on my account please help me with this problem please
Consumer complaint received 2018-02-13
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. (SC)

I have placed fraud alerts on my credit report as there has been a series of invalid inquiries and accounts opened. I have filed several disputes in an attempt to have the items removed from my credit report and have been unsuccessful. I have filed an Identity Theft Affidavit with the FTC and a police report with my local police department. I am asking for removal of the following inquiries : Rise : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX
Consumer complaint received 2022-07-21
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance XXXX {$0.00} ; 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 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: E-Backgroundchecks.com, Inc. (PA)

We paid {$130.00} ( our credit card, XXXX XXXX, was charged on XXXX XXXX, XXXX ) for a background check from backgroundchecks.com ; the website promises the report in " 1-3 days '' but we still haven't received it and are given nonsensical reasons for their failure to supply what we've paid for. 

This is a company you've received massive numbers of complaints about in the past, usually from consumers who bought background checks they never received. See below : " Consumer Litigation and Regulatory Actions In XXXX, regulatory action was taken against backgroundchecks.comthen called e-Background-checks.comby the Consumer Financial Protection Bureau ( CFPB ) for not taking reasonable action to make sure the information in their reports was correct and for including prohibited information. The company and its affiliate XXXX XXXX XXXX were made to pay {$10.00} million in damages to affected consumers. It appears that the company subsequently changed their name to their current one. ''