davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting!

I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

Had a car loan taken in my name when I was Married Car was going to be her responsibility when we went to court later found car had been repo. Back in 2016 Ive asked for it to be taken off my report. Plus with the age it should be anyways. And there marking missed payments even tho its been since 2016 since payments been made and since XXXX when I bought it. Never got papers from this company to saying I could buy it back and thats against the law never got papers showing what the car actually sold for to and thats against the law. It needs to be removed from my report. Plus the missed payments needs to be removed from being on there every month
Consumer complaint received 2022-02-05
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. (TN)

I did not give any written instructions nor did I authorize any of these inquiries. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). The following shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XX/XX/XXXX XXXX FXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (TX)

I have XXXX accounts on my credit from West Asset Management that they refuse to remove. Both accounts are from XXXX XXXX XXXX in XXXX Oklahoma. I was informed that they have sent me several notices prior to placing them on my account. I advised that I received no notices or validation of the debt. I also advised that we/I have always carried XXXX medical insurance providers through my work and my mothers job. The agent as well as the supervisor verified that only XXXX insurance company was submitted to request payment and not the other. I have disputed with the agents numerous times and they refuse to remove or verify any information with the medical provider. I was advised that billing the medical insurance company is a courtesy provided by the provider and it is up to me to make sure the insurance company pays the bill. I never received any documentation to dispute the charges and when I found out they were on my credit report. I can not stress the issue with NEVER receiving any documentation to submit to the company to dispute the charges. The supervisor was extremely disrespectful and offered no additional assistance. I have valid proof that I had XXXX medical providers coverage at the time and offered to submit the documentation. The agent stated she read through the notes and does not see any notations referencing billing the secondary insurance and that she can not do any thing to remove the accounts and that I needed to obtain a different avenue.
Consumer complaint received 2015-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (KY)

Since XXXX XXXX, 2013, Revenue Recovery Corporation ( " RRC '' ) has been using my social security number and date of birth to report to the credit bureaus that I owe a debt that I do not owe to Jewish Hospital. I had notified RRC several of times that I was not a patient at XXXX Hospital in XXXX both verbally and in writing. I have had to clear off my credit reports at least two to three times because of RRC reporting false information. XXXX Hospital has not responded to their inquire each attempt because I do not owe XXXX Hospital in 2013.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My purse was stolen as well as my information. My card was used at ATMs in differ Locations to withdraw funds on separate days. Starting XX/XX/XXXX funds taken via ATM through the XX/XX/XXXX. This is when I realized the account was compromised. I went to the bank locked the card and told the teller of the issue in person. Card was suspended and new card mailed to the wrong address. My funds were reimbursed in total from the withdrawals of XXXX from the atm. Then taken after they said my claims were basically fraudulent. Shortly after my routing and acc number were compromised transfers of XXXX withdrew via XXXX acc dispute ignored.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2022-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

During the pandemic I had experienced hardship leading my bank account into have a large negative balance. I received a call from my bank ( Santander ) and I quickly started paying off my funds. I did a {$700.00} dollar XXXX transfer to my account but the money did not post, Santander had my money on hold it kept saying processing being that It hit the 60 day mark they closed my account but I had a deposit already made 5 days before closing! I will attach 1 of the 3 deposits confirmations below.
Consumer complaint received 2022-02-05
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. (MS)

The loan company name is XXXX XXXX XXXX XXXX Contact information ( XXXX ) XXXX Address : po box XXXX XXXX, Va XXXX Date it was opened XXXX Account is showing potentially negative on my experian report. I have no knowledge of this auto loan account it was done without my consent, or my knowledge.XXXX XXXX XXXX  auto loan has been using my name, and personal information for XXXX  years.I tried contacting XXXX XXXX XXXX  for the last XXXX years.I contacted experian about this account and disputed it several times but there were no results.XXXX XXXX XXXX is still reporting this potentially negative account on my experian report.This Account is showing as charged off {$14000.00} written off. {$16000.00} past due as of XX/XX/2022.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 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 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (FL)

After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to any credit transactions that I have made. These are inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OK)

I got a phone call today XX/XX/XXXX saying I was being sued from Chase Bank for a credit card that I apparently had opened in XXXX. I have never opened a credit card from Chase Bank ever I was in XXXX  during that time the only debt I had was from my student loans. Ive never received a letter a bill or anything from Chase Bank Ive never made a payment on this credit card from Chase Bank ever my first credit card was from XXXX  XXXX after I bought my truck in XXXX XXXX. I am reporting this because this is a fraud I never opened up a Chase Bank credit card account and I need someone to look into this because I do not want to get sued for something I did not do. I am reaching out to someone so they can help me resolve this issue Im not sure of the steps I need to take I did contact the legal services that said that I was being sued and told them that I never opened up a credit card under Chase Bank and they said they would be sending me paperwork to dispute this issue as well.
Consumer complaint received 2016-05-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

In 2010 I became 120 to 149 days late on my mortgage and ended up with a large amount of fees that through this agency was reduced from {$22000.00} to {$7200.00} in unpaid fees and late charges. They said the fees were past due interest moved to the end of the account and called 'fees ' to avoid capitalization or further interest.I asked for a detailed breakdown of those charges and never really received one though I did get the reduction. That still seems too severe to me. My mortgage rate is 11.88 % and if that is applied to the full {$1400.00} Paid each month over 6 months it comes to {$2700.00}. If the late fee was {$57.00} a month that comes to {$340.00} and added to the to the above lost interest and that would come to {$3000.00} which would still be outrageous since that looks to be 400 % a year in interest but is also {$4800.00} less than what they say the fees are. 

I have tried to be reasonable and now have come to the end of my patience. Because Wells Fargo set me up with a Forbearance Agreement ( that does not qualify for a HARP loan ) though HARP Loans were available, because this affected my ability to refinance and effected my credit, because it has limited my financial ability to make improvements in my house or other financial investments, because it has limited my ability to find more satisfying employment, and because this has taken time and energy and has been so stressful I demand Wells Fargo either take {$60000.00} off the equity of my mortgage or give me that sum in cash. If this is not provided within 30 days I will consult with an attorney and ask for considerably more.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I have no clue where The charge came from. Upon further investigation that I did myself The bank told me that the charge was made in XXXX  which is on the other side of the United States from where I was at and reside when the charger was made ( I live in XXXX ) I filed a dispute with my bank and they told me that they were denying my claim due to the fact that I had possession of my debit card and I memorized my pin. When I looked into this matter further the bank told me that the card was not swiped it's not swiped but it was a charge that was taken over the Internet for the Internet and that the pin was not entered or even used during this transaction because it was an online matter so there grounds that they are denying my claim upon are not even relevant. A few days prior to this happening I had lost my wallet in a XXXX XXXX XXXX but it was returned to me so there was a period of time when I did not have possession of my my debit card and I notified my bank of this during theDispute
Consumer complaint received 2021-09-01
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-08-15
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. (NJ)

Experian website does not allow me to recover my stolen account nor speak to anyone on the phone to explain the situation, only automated phone calls no matter how many numbers I try. It is very troublesome that something so critical and important is not/ can not be addressed directly with the company.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc. (FL)

I just got a call from a collection agency at XXXX on XX/XX/XXXX stating that I owe $ XXXX to XXXX County Florida for an automobile-related ticket in XX/XX/XXXX. It is currently XX/XX/XXXX. That means that they waited seven years to collect a debt I was completely unaware of. The original debt was {$10.00}. I should n't have been able to renew my license or vehicle registration with any outstanding balance. I had no notice that there was a debt owed. My XXXX credit score that I have worked hard to build is going to be ruined for seven years over {$27.00} that I would have paid seven years ago if I knew it was outstanding. I think this a complete oversight on the part of XXXX County. I ca n't imagine it is legal, and it is certainly unethical, to send someone to collections without notice over a supposed {$27.00} debt that was owed seven years ago. My credit is extremely precious to me. I 'm outraged to say the least. I would pay XXXX County Florida literally thousands of dollars not to trash my credit for the better part of the next decade.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as Experian XXXX XXXX with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong people.

If after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re-investigation. 

Experian/XXXX  Inaccurate address/Account status Account # XXXX
Consumer complaint received 2020-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (CA)

As SunTrust finally admitted to using fraudulently false inflated interest rates for months on our mortgage loan collecting higher than appropriate monthly installment payments, instead of sending us apologies and refunding the overcharged amounts, Suntrust recorded false statements dated XX/XX/2020 XXXX attached ) and mailed us an absurd letter ( attached ) of dated XX/XX/2020 showing delinquency on our part. Nothing is further from the truth. 
Attached payment records both from Suntrust and our bank accounts ( where automatic withdrawals took place ) clearly disprove such false statements and records. We would appreciate your help in having Suntrust immediately removing such false records and letters and preventing any such negative false reporting to any entities. 
It is important that Suntrust be reprimanded and held liable to compensate us appropriately to prevent further fraudulent practices by SunTrust ( aka Turist Bank ) with us and any other unsuspecting customers Sincerely,
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction