davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE INVESTIGATE YOUR CREDIT REPORTING AND HAVE THE DEROGATORY MARK REMOVED OFF MY CREDIT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.
Consumer complaint received 2022-10-07
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-23
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. (IA)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal.

I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience.

As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction.

I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward.

Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've been trying to change my address once for about 2 weeks. I contacted capone via chat and both times were useless. I contacting them via XXXX twice. Useless. I got a phone call from someone dating it was them who instead of addressing my issue tried to get personal information from me first. I refused and hang up. I filed a complaint with an executive. I got two emails from the office if the president that have not addressed my issue. I want my account closed. Confirmation sent to my address and removal from their marketing lists for all of capital one
Consumer complaint received 2017-09-09
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)

Equifax did not take necessary security precautions resulting in my personal data being stolen, including my name, address, SSN and driver 's license number. They did not contact me, I had to learn about it in the news. According to reports, Equifax was aware of the stolen data for a month before making an announcement. Their offer to mitigate by monitoring my credit file falls way short of the problems they have created for me. In return for credit monitoring, they require me to give up my legal right to sue them for the damage they have done with their actions and inaction.
Consumer complaint received 2017-08-05
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

The CFPB found that Encore ( Midland Funding LLC. ) attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Midland is to ensure accuracy when filing lawsuits. They can not file lawsuits to enforce debts unless they have specific documents and information show information the debt is accurate and enforcable. My rights under the Fair Debt Reeporting Act are being violated not only because this account does not belong to me and is being reported on my credit report, but I am now also being wrongly sued. I received a letter to contact you that was dated XX/XX/XXXX. You filed papers to sue me XX/XX/XXXX. You do n't just decide to sue someone in 2 days. It was already your intention to do so. I sent a dispute to the 3 credit bureaus informing them this account was not mine and requested Midland provide VALIDATION of this account. I have yet to receive anything. Per this court petition I am being sued for " breach of contract ''. I am demanding a copy of this contract with my signature, between myself and MIDLAND FUNDING LLC. It needs to show the original date of delinquency, the agreement that grants you the authority to collect on this alleged debt, what you paid for this account, and how you calculated the amount owed. Failure to comply will result in a private civil action torecover damages against your company. I will be contacting the FTC, BBB, and the appropriate county, state, and federal authorities, including the Attorney General 's office. My state of Texas currently has a lawsuit against you now for these exact frivolous and unfounded lawsuits against people like me. You need to be stopped.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

When I try to log into my USAA accounts I receive the following message : " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I have been a USAA member since I enlisted in the military more than a decade ago. I was an intern at USAA for two summers as a college student and have always been proud to be a part of the company. I don't make any illegal transfers or even questionable purchases. I really have no idea what " past difficulties '' means. 

I've called them and spoke to half a dozen representatives and no one can tell me why I can not access my accounts. My military direct deposit goes into my USAA account. How am I expected to pay my bills for XX/XX/XXXX? 

I know this is some horrible mistake ( my name is fairly common and I could see a mistake happening ), but I am frustrated at the lack of transparency and progress. This ordeal will have adverse actions on my family 's financial situation. I truly hope this doesn't happen to more members.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DC)

The credit report agency has allowed companys to violate the fair credit act by reporting erroneous and non consistent data for over 3 years violating my rights as a consumer. 
I have fought with the bureaus and the company to explain the account balance wasnt showing correct amounts and skipped several months with me paying but the balance never decreased. The attached shows from XX/XX/2019 to XX/XX/XXXX only a slight decrease as if I wasnt paying. However i have bank statemnts from that timw period that i was paying consiatenly. Also when I wrote to them explaining and providing proof of Covid documentation explaining why I was late in a separate incident they still claim I was late but never changed any of that information. Later when I brought to their attention my balance was still incorrect they only changed the information to benefit them and never removed any late payments only trying to cover up the balance mistakes. However affecting my credit score tremndoulsy by having erroneous data reported differently to all credit bureaus for years and excuseable medical documentation ignored. All extra payments to them was never paid to my principal and never documented correctly. They have violated my rights as a consumer. Sharing erroneous information to creditors.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I hols a mortgage with Chase. 
I was recently informed by Chase of an increase in escrow account payments of around 50 %. This prompted me to review the latest escrow statement. I noticed that an extra home insurance payment had been made. This explains the escrow shortages. 
Furthermore my insurance agent sent me proof that Chase had been sent this excess money back immediately ( XXXX of XXXX  ). 
After this experience I was prompted to look into past escrow statements. I was unable to find any previous statements at Chase 's site. 
This is highly suspicious behavior.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

There has been a violation of my rights under Federal law against XXXX and Equifax. If these accounts are not removed from my report immediately, I will have to take legal action against you as my right under federal law.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

Got accepted for Citi AAdvantage XXXX XXXX. 
Citi will not activate card or close card or send letter in a speed fast enough to catch my location on 100 % travel.
Consumer complaint received 2023-01-26
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED NINE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened up this checking account on XX/XX/2022, for the bonus promotion. I deposited {$75000.00} on XX/XX/2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Consumer complaint received 2023-01-26
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-23
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-10-07
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: HYUNDAI CAPITAL AMERICA (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I have disputed this account several times before. It always comes back as accurate. 
Midland Management is reporting 3 different date last active. 

XXXX XXXX XXXX XXXX Experian XXXX A proper investigation was Never done according to the FCRA. 
The term nvestigative consumer report '' means information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom is aquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the FCRA, Everything has to be 100 % accurate on my credit report. 

Midland Credit Management has concluded the information is accurate. 

How can this be when their reporting 3 DIFFERENT YEARS last active?

This is grounds for deletion.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX Date of Inquiry XX/XX/2024
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MA)

I have requested a {$20000.00} refund on my student loans through Aidvantage on XX/XX/28 and still have not received confirmation of my refund. The company can not provide a timeline of when I will be receiving my refunded money as of XXXX. My account on Aidvantage and XXXX XXXX still have a zero balance listed. 

I look forward to hearing how we can resolve this issue.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OH)

I do not know what this debt is and they have deemed it invalid on my XXXX  report but it still lingers on my XXXX and XXXX reports. This is illegal reporting. Creditors have a duty to report accurate information to every single credit bureau they are reporting to.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MA)

I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success.
This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation.
Please Find documents attached