davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried on multiple occasions to try and get information correct on my credit report. XXXX continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus Transunion and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
Consumer complaint received 2019-03-09
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX/XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

Today this bank denied me access to set up an account based on me having a balance. However, their was nom active pursuit to collect on the balance. After reviewing the statements I have taken note that my account was overdraft and that their were items that returned which caused insufficient funds fees, however there is no documentation on why those items were returned. I have gone through the statements with a fine tooth comb and their is no proof showing why the items that were returned were not covered. 

I am demanding a dispute of all charges and requesting my rights to reopen an account.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc. (GA)

I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships
Consumer complaint received 2023-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I went to the Chase Bank website this morning to remit an ACH payment to a vendor. I set up the ACH payment for {$2400.00} and clicked the submit button. Rather than respond almost instantly, the transaction froze for a few seconds, and I ultimately received a message on the website indicating the ACH was successful.

Utilizing my same chase account as above, I went to remit another transaction on the Chase bank website, but my transaction did not go through, with an error message of " insufficient funds ''. I then checked the account itself and saw that Chase had submitted the ACH twice! At first, I was not concerned as the Activities Page of the website showed both the original and duplicate ACH payments ; however, the duplicate Payment showed as " Pending ''. It was my assumption that Chase had caught the error. I then called Chase bank. I spoke with at least four different people who all stated the same thing ; that is, " We can't get the money back, you have to contact the vendor ''. Even when reminded that I did not submit the duplicate Payment and same was either a technical error on behalf of the bank or otherwise was not authorized by the account holder. In short, Chase Bank 's position in these cases is that even if it is their error that caused the duplicate ACH, even if it takes weeks to get the funds returned, Chase bank has XXXX liability for the error nor cause to reimburse/Advance us the funds- they sent in error- pending receipt of the duplicate payment being returned by the vendor. This has caused a major disruption to our cash flow, and ability to professionally and adequately operate our business. The Last call at Chase bank was Call Record XXXX.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2018
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an account with Capital One Their was a late reporting on this account in XX/XX/2014 I spoke with to a supervisor her name was XXXX XXXX was her badge number. She gave it as a reference and told me the late on the account would be removed, I recently pulled a credit report the late is still reporting on my account. I need this late removed as the supervisor promised.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (PA)

My American Express account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that American Express employeed because I had not responded to the request from the previous agency all because they had the wrong address.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gatestone & Co. International Inc. (PA)

My XXXX XXXX account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that XXXX XXXX employeed because I had not responded to the request from the previous agency all because they had the wrong address.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OR)

The situation is as such : 1- I used XXXX XXXX credit card checks ( 0 % APR until mid-XXXX ) to the amount of {$20000.00} 2 - I continue to use my credit card for purchases, but ensure that I am paying off *more* than my full amount every month. 

I noticed that I am continuing to incur interest charges every month, and upon calling XXXX ( twice, last being on XX/XX/XXXX ) was led to believe that I would continue incurring these charge, should I use the credit card for purchases, at the rate of 16.24 % I believe that as per the Credit Card Act of XXXX ( 15 USC 1666c ( b ) ( 1 ) ) " In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' Based on this law, any payments I make including my full monthly bill plus minimum payment should be going towards my higher interest rate, i.e. the purchases made every month. 

I was told on the phone ( twice ) that I would continue incurring charges for purchases I make, even IF I make payments that exceed the above-mentioned amount. I was told that the only way to stop incurring said interest fees at 16.24 % is for me to pay up the {$20000.00} + purchases in full, or to stop using my credit card for further purchases.
Consumer complaint received 2018-03-05
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: Experian Information Solutions Inc. (FL)

I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- The XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-08
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (AL)

Our mortgage was sold from Supreme Lending to XXXX XXXX, during which XXXX XXXX  suggests that Supreme never escrowed our taxes and we are in an " escrow shortage '' although when contacting the attorney who did the closing, they insist it is correct, our taxes were paid ( they have gone up significantly which we are protesting ) but the amount is insanity. From {$1200.00} to {$1500.00} is simply unlivable.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

Coinbase has taken money out of my bank account, which was authorized. However, they have now locked me out of my account where I can not access anything. I can not buy sell or trade my virtual currency. That is theft. In any other forum, that would be known as a scam. My emails are now going unanswered, and there is no live person to speak to. All I want or desire is for my account to be unlocked so I can withdraw the money I have in there.
Consumer complaint received 2019-03-09
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}
Consumer complaint received 2021-06-02
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. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

CITIBANK TREATS ME HORRIBLE THEY HANG UP THE PHONE ON ME THEIR APPLICATIONS DEPARTMENT IS RUDE AND XXXX  AND SUPERVISORS EVERYONE THIS COMPANY HAS TO BE RESEARCHED AND INVESTIGATED THEY TREAT ME HORRIBLE THEIR XXXX OFFICE DOESNT CARE ABOUT MY CASE THEY THINK ITS RESOLVED WHEN THEY DID NOTHING FOR ME THEY HAVE A LADY XXXX XXXX SHE REFUSES TO RETURN MY CALLS OR ANSWER OR CALL ME BACK I WAS DECLINED FOR A CREDIT CARD ITS NOT FAIR I NEVER FILED BANKRUPTCY WITH THEM BEFORE OR WAS CHARGED OFF OR LATE AND THEY SEND ME A LETTER SAYING MY CREDIT PRIVILIGES ARE RESTRICTED ITS NOT FAIR I WAS DECLINED FOR MY XXXX ONLY FOR THIS REASON BUT IF I APPLY FOR ANOTHER XXXX XXXX  I AM NOT GIVEN THIS REASON ONLY THIS CARD ITS NOT FAIR IM A MEMBER OF XXXX AND ALLOWED TO HAVE THEIR CREDIT CARD HORRIBLE EXPERIENCE
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

I sent a letter out to XXXX XXXX to Equifax, Here is my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send me my investigation back .This is not making any sense.

According to the law 15 U.S Code 1681i -procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumer 's file at consumer Reporting agency is Disputed by the consumer and the condoner notifies the agency directly.or indirectly though a reseller.of such dispute .the agency shall .free of charge .conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information.or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-days period beginning on the date on which receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-09-15
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: Continental Credit Control (FL)

My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX. XXXX XXXX  & O
Consumer complaint received 2019-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (NV)

This is NOT MY ACCOUNT. ... to begin with, I dont owe XXXX anything as I was never in a contract with them and havent had their services. That being stated, please provide me with the original signed consumer contract bearing my signature showing what services theyre alleging I received so I can take the original consumer signed contract to my police department. I am not and havent been a XXXX user. 
My local law enforcement is pretty direct when it comes to bringing all of the facts and proof in, when filing a police report so please get that to me ASAP. 
This is also your additional notice ( other than when I called ) of me informing you that this is NOT my account. 

Thank you
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am trying to get the credit freeze off of my credit file for all 3 Bureaus with little to no success. I am looking for a new apartment yet the complex can not get in my files. I have never had any type of security PIN yet they keep asking me for one. I respectfully request any and all fraud alerts or freezes be removed from my file at once.