davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
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. (NY)

EQUIFAX HAS NOT REMOVED AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDULENT AND I NEVER LIVED THERE. IVE CALLED THIS COMPANY AND SENT DOCUMENTS FOR PROOF OF ADDRESS AND STILL THE ADDRESS WHICH IS XXXX XXXX XXXX XXXX NEW YORK IS STILL LISTED ON MY CREDIT REPORT. MORE RECENTLY I SEE THAT THERE IS AN INVESTIGATION IN PROGRESS FOR EACH ONE OF MY CREDITORS ON THE CREDIT REPORT AND I DID NOT DISPUTE ANYTHING ABOUT MY CREDIT ACCOUNTS. I ONLY DISPUTED THE INCORRECT ADDRESS BEING LISTED. THEY STILL HAVE NOT REMOVED THE XXXX ACCOUNT THAT IS NOT MY ACCOUNT THAT IVE BEEN DISPUTING SINCE XX/XX/2018. IM SICK OF THIS COMPANY AND THEIR PRACTICES IT SHOULD BE ILLEGAL WHAT THEY DO TO CONSUMERS. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX NEW YORK.
Consumer complaint received 2021-05-25
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )
Consumer complaint received 2020-11-26
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: EQUIFAX, INC. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

FTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-04-29
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 XXXX Account # XXXX, has violated my rights. 

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 instruction
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Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each.  The bank released the checks and funds.  This was however a scam and gift cards were purchased and redeemed by the scammer.  We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check.  They are not protecting us, the consumer.  The scam has been reported to local authorities and the FTC so they are managing the scam.
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

Hello, I've received numerous, unsolicited phone calls from Comenity Bank ( all over {$190.00} that is past due - even though I've made monthly payments recently ) I have blocked the phone numbers - after speaking with someone who was very rude... 
Please help! 
I XXXX  them! 
Thank you XXXX
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer rights. 

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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer rights. 

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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (IN)

On the morning of XX/XX/2021 a number of unauthorized purchases were made from my Chime Credit Builder credit card. There were three pending charges for {$660.00}, {$330.00}, and another for {$660.00}. Another charge for {$620.00} did not process due to lack of funds. All of these charges were for businesses in XXXX. The pending charge for {$330.00} would eventually not end up posting ; however, the two {$660.00} charges did post. 

Upon waking up, I immediately contacted Chime to cancel the pending transactions. Chime informed me that they could not stop the transactions until they posted and advised me to file a dispute. I did so immediately - filling out a paper form and answering questions sent to me via the Chime app. 

The dispute was officially opened on XX/XX/2021 by Chime. I am not aware as to why there was a delay. On XX/XX/2021 they closed the dispute. The email was poorly worded, so I mistakenly assumed that they meant I would be refunded my money on XX/XX/2021. 

On XX/XX/2021 I still had not received my money. I called Chime and they advised me that they had declined my dispute but would not give me additional information as to why. I was advised that I could only reopen the dispute if I had new information - I have already provided them with all of the information that I have and since they havent advised me as to why it was declined, I can not give them new details. 

The Chime Dispute team has advised me that only their Dispute Information Team can give me additional information ; however, they can not be reached by phone or email. 

At this point, Im stuck in a loop where they wont let me reopen the dispute without new information but they wont tell me the original information that led to the denial of the dispute.
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COOLEY ENTERPRISES INC (TX)

A agreement was made with the company that if the vehicle was given back which was voluntary I will no longer be responsible for the vehicle spoke with someone and I was told I should not be liable for the vehicle because it was sold by the company
Consumer complaint received 2022-04-29
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: Southwest Credit Systems, L.P. (CA)

I want to report Southwest Credit Systems for not validating in writing to me before placing a negative collection notice on my credit report without prior authentication of the claim. I have made a written complaint to XXXX and XXXX and XXXX along with all the required document 's of this matter and yet they still illegally reported to my credit report. According to your practices they are in non compliance to the rule. I would like your help to resolve this matter as soon as possible and have them to be taken off my credit report since it has caused me a great negative impact on my report due to their negligence. 
We also have sent Southwest Credit Systems a dispute letter but XXXX responded to our dispute letter to them saying Southwest Credit Systems report is correct. That means Southwest had an initial contact with XXXX and did not initiate a communication with me to let me know that a collection would be reported to the XXXX credit bureaus. 
I am aware that this is in noncompliance with CFPB and the Fair Credit Reporting Act. 
If you have further questions, please do not hesitate in contacting me. I look forward to a prompt resolution to this delicate matter. 

Thank you in advance.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I lost my credit card, someone stolen and charged a small amount that is much less than {$75.00}, I reported to HSBC, HSBC replace my card and credit me back the false charge. 
However HSBC kept asking me for late fee, etc that is {$75.00} for 2 years. 
I talked to HSBC 5 times, agents all agreed that is a wrong late fee etc, so they will cancel. 
I also wrote to them, no reply. 

On XX/XX/2022 I received another notice from HSBC and asked for {$75.00} that they have agreed 5 times to cancel the fee that I did not make it. 

Thanks. 

XXXX XXXX
Consumer complaint received 2024-02-28
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. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-01-12
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Our mortgage with Truist ( XXXX XXXX XXXX XXXX ) should have been paid in full with our XX/XX/2021 auto draft payment of {$2100.00}, this would have included outstanding principal ( {$2000.00} ), interest ( {$6.00} ), and the {$16.00} fee to close the account. The payment was not taken. I called and spoke to XXXX ID # XXXX. He informed me that because the account balance fell below the outstanding principal amount that my account was placed on hold by XXXX XXXX and would not be lifted until XX/XX/XXXX. He told me no payment could be made to the account during this hold time. I told him I was concerned that they were putting my account on hold, not letting me pay the loan off and would then charge me interest and late fees. He repeatedly assured me that no fees or interest would be charged during the hold period. He told me I could call back on XX/XX/XXXX and they could process the payment at that time. I called back today, XX/XX/XXXX and spoke to XXXX and then the XXXX XXXX, a customer service team coach. They informed me the new payoff would include interest for the past week. They mentioned there were no notes by XXXX that there would be no interest or fees. XXXX said there was no such hold not he account and that they were not empowered to waive any interest or fees. She said both she and XXXX would provide feedback to XXXX ' supervisor. I mentioned that this is fraudulent and predatory - they stopped my automatic payment ( their disclosures stated I would have to stop the automatic payment or it would continue to be made even if it was greater than the outstanding balance ), and would not take a payment from me in order to continue charging me interest. XXXX said she would provide feedback to XXXX ' supervisor and ask her to pull the recording of the call to verify what XXXX had promised. Maybe this is a training issue but phone reps should not be providing false information, preventing customers from making payments so that more interest can be extracted. I understand that this involves a nominal amount of money, but this is a misleading and fraudulent practice allowing representatives to blatantly lie to customers to prevent the closure of a loan and induce additional interest. If this is happening for small amounts of money, chances are there are other similar practices affecting other consumers and involving larger amounts of money.
Consumer complaint received 2021-06-07
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. (TX)

Transunion is reporting a closed charged-off account as an open account with late payment history from XXXX XXXX. This account is inaccurately being reported and per FCRA, must be deleted from my report immediately.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (TX)

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent. 

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
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. (TX)

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

I have written several letters over the past 3 years trying to resolve this issue. I was a victim of identity theft back in XXXX I reported to Navy Federal customer service and was assured that everything was going to be taken care of. I had 2 accounts with Navy Federal. Account XXXX in the amount of {$10000.00} and account XXXX. {$1300.00}. I was recently checking my credit report again and noticed on the account XXXX it showed a payment. I never made a payment on this account. I wrote navy federal requesting documentation of this payment. The last payment that I myself made was back on XXXX and because navy federal never tried to fix the issue I wasnt going to pay for fraudulent charges. Its illegal for navy federal to say a payment was made in XXXXXXXX XXXX XXXXXXXX but refused to produce the information and why wasnt a payment made on the other account which the balance is very small. It doesnt make sense. This is utterly unacceptable illegal debt practice. I would be crazy to make a payment to start the process over another 7 years.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NV)

XXXX  the XXXX of XXXX  we flew into XXXX XXXX for my wife birthday I tried to use my Citi debit card and it was blocked for the XXXX time and I was told yet again my account was under review and that someone would call me within XXXX hours I called them numerous times explaining that we are in XXXX XXXX  XXXX unable to eat drink or pay hotel bill book flight home as all our money in this account to be told they closing my account and I would get any money in XXXX days I told them for the last XXXX days we not eating or drinking due to no money as I only have my Citi debit card with me and no one is helping leaving us stranded ruining our holiday my wife birthday and without food and the possibility of being on the street from tomorrow
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Joseph M. Tobin, PC (CT)

Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I have a checking account at Chase & we were four signers from XX/XX/XXXX onwards. Without my knowledge Bank removed my daughters name as a signer. I came to know about this banking error in XX/XX/XXXX. During my daughters visit to XXXX, we went to the one of Chases branch & added her signature in XX/XX/XXXX.Later on Bank misplaced all the paperwork & I had to send them proof. 
I made complain to the executive office & wrote e mails to CEO of J P Morgan Chase on XX/XX/XXXX. 
From XX/XX/XXXX till XX/XX/XXXX nothing has been done. My XXXX adult children lives in different States &  we added their names as an added security. Chase should be fined.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

I received a letter from XXXX XXXX XXXX on XX/XX/01. They are attempting to collect a debt on behalf of PayPal. XXXX XXXX phone number is XXXX. Their reference number is XXXX. They provided the last XXXX digits of the PayPal account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called XXXX XXXX to inquire about this. I have never had a PayPal account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called PayPal and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both XXXX XXXX and PayPal clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.