davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-05-05
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. (NY)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2017-12-22
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. (IL)

The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I have contacted the credit bureaus, and reported of the inaccuracies on my credit report due to my bankruptcy, and they have not responded. The three credit bureaus are reporting wrong information on my credit report. Equifax sent a letter saying that I need to send in my driver 's license and a utility bill, in which I did. 

If my bankruptcies are not removed, due to inaccurate reporting, I want to file a lawsuit against XXXX, Equifax, and XXXX. Attached is the copy of what I have sent the credit bureaus.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (CA)

I contacted XXXX to file a dispute regarding credit reporting from Affirm. They responded the information they were reporting was correct. I contacted XXXX was advised by XXXX that Affirm was supposed to give them the current account information on file the day they received the dispute however they did not. I also contacted Affirm and they said they did not have to update the reported information on the dispute. 

My accounts are current and 1 is paid off.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a car for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2022-04-06
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. (VA)

I have noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2019-04-26
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. (OH)

I'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX , XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX OF 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, TRANS UNION XXXX XXXX, XXXX XXXXY XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-02-19
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. (AZ)

I filed a complaint # XXXX with Transunion a copy of my credit report and noticed some hard inquiries did not get deleted. 

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 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX XXXX I received a phone call that I thought was from Peoples United Bank and they told me I had fraudulent activity showing for my debit card which they could stop before it was posted.I then gave account number and online username then codes that were sent to me.Then was scammed out of {$1500.00} within 5 to 10 minutes.I contacted Peoples and put in a claim they responded back to me on XX/XX/XXXX saying that Iwould not get the funds back because I gave out information.I then called and asked for corporate to get back to me and never heard from corporate on XX/XX/XXXX they mailed another letter to me saying that do to the fact that I gave a third party account information they were not responsible for the money.I then called customer service and asked for someone to return my phone call and the called on Wednesday XX/XX/XXXX and said there was nothing else they can do.I believed it was Peoples Bank on the phone and thats why I gave information upon speaking to them after this they always ask for my account number and online username.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have transferred XXXX EUR through a XXXX XXXX transfer to Coinbase on XXXX XXXX XXXX. The full amount was received by Coinbase on the XXXX XXXX. This is visible on the Coinbase dashboard. However the funds show the status " pending '' since then and have not been credited to my Coinbase EUR wallet account. I contacted customer support multiple times and raised support cases on their  website, but never got a response from them. 

The transaction ID stuck in " pending '' state is : XXXX
Consumer complaint received 2023-02-01
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

The pre-paid card I was sent expired with about {$150.00} left on it, so it was no longer able to be used. However, the company claims that the " funds do not expire '' and that by contacting customer service, you will be able to get a replacement card and still access your funds ( there is no way to do it from their website, it says you have to call customer service ). Unfortunately, when calling the customer service number on the back of the card, it is an automated system with no options to select for an expired card, and no option to speak to a customer service representative. I was finally able to resolve the issue by selecting the option to " dispute a transaction '', then getting transferred to a customer service representative. This seems like an extremely deceptive practice designed to make it as difficult as possible for people to get access to their money if their card has expired.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2018-06-19
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: NAVY FEDERAL CREDIT UNION (NY)

I have never had an account with Navy Federal. This is a fraudulent account and i would like for it to be closed out and removed from my credit report. 

Please Remove and close this account promptly.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (GA)

I filed a complaint about the fixed rate account suddenly becoming a variable rate account and chase is going to double the interest rate for new purchases after XX/XX/XXXX ID # XXXX. Chase closed this without doing anything and RETALIATED AGAINST ME without abiding by the 45 days RULE of LAW and against the written 45 days notice required by law. It states transactions made BEFORE XX/XX/XXXX : The current APRs will continue to apply to these transactions. it states ALL changes take effect XX/XX/XXXX. Chase increased my intererest rate from XX/XX/XXXX intererest rate of 5.90 % APR to 6.15 % APR interest rate in XX/XX/XXXX .... PRIOR to the 45 days RULE of XX/XX/XXXX. 

Chase also RETALIATED AGAINST ME regarding my HEARING XXXX. Without ever answering my phone calls or calling me back after the first phone call to me. I kept just leaving voicemails. Then they RESTRICTED ME to WRITTEN communication only through the mail and DENIED me the ability to contact them by phone, text or email messages. The hearing XXXX rely on text and email messages and WITHOUT getting my permission at all, then they wrote saying that all future communication is only by written communication SUPPOSEDLY with my permission which I never gave at all. 

So they increased my intererest rate prior to the 45 days RULE of LAW of XX/XX/XXXX from 5.90 % to 6.15 % and restricted me without my permission to written communication only as RETALIATION for my complaint on XX/XX/XXXX. See enclosed photos.
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I wrote a check at the beginning of the month to payoff my auto loan with Bank of America. They hadn't received the check by the XXXX. I put a stop payment on the check with XXXX ( the week prior ) and called Bank of America to payoff the loan on XX/XX/XXXX. Bank of America cashed the check ( that had the stopped payment ) on XX/XX/XXXX. XXXX failed to stop the payment and Bank of America cashed a check after I paid off the entire loan. Now my bank account is overdrawn and XXXX is refusing to provide a provisional credit and Bank of America is refusing to issue my return my funds ( although I owe them nothing ).