davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
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. (TX)

Attempted to place credit security freeze with all three credit reporting agencies online. XXXX and XXXX went successfully without any hiccups. Both companies websites were straight forward and went without a hitch. Experian, on the other hand, has been a nightmare. They try to upsell you at every turn and the option to place a freeze is obscured. Eventually, did find the link to place a freeze. After inputting all the required information, just as I had done with the other two agencies, the system stated that I could not do so online and that I would have to mail in the request via mail. The problem is they want sensitive information in the mail and do not feel comfortable doing so. Also when I called, it states that I have a freeze currently, but the website states differently. Can not believe how shady their operation is.
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to EQUIFAX to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XXXX  FTC Report Number:XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 
I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EQUIFAX conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EQUIFAX will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2020-10-29
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: EQUIFAX, INC. (NC)

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2020-10-29
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. (NJ)

this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!
Consumer complaint received 2021-10-14
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. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2020-05-18
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. (TX)

ftc vilations In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AR)

XXXX XX/XX/XXXX went to the u.s. bank on XXXX and Arkansas put my card into the ATM machine the machine kept my card waited an hour to speak to a representative through the door to advise them of the problem they brushed me off I had to force them to take my name and phone number to recover my card out the machine call the branch manager XXXX XXXX and she threatened me not to approach her XXXX man who showed up while I was in line trying to make a withdrawal with a withdrawal slip instead of the ATM and she threatened to call the police on me because I knocked on the door to get her representative XXXX and XXXX 's attention to let them know of the situation I was having with my ATM card stuck in their machine I have to wait for days which is Friday to get my card back I'm appalled I've had my account for three years this was my first time having a problem with using it ate my card at the ATM machine and I thought it was very unnecessary for them to have to call the police and make threats to me not to approach their XXXX man with my ID to get my card because he was servicing the machine at that time and I do have pictures to show proof of what I experienced today
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I have been receiving emails for over a year now from a company called TRUE ACCORD ( trueaccord.com ) which seems like a debt collections company. They tell me I have a XXXX  balance due and if I dont pay it, it will be reported on my credit. 

I reached out to XXXX  because this was something I was very unaware of, and they looked into my account and said that 1. I have never had a balance due and 2. They dont use any collection companies to collect debt. I have emails as proof. 

I am not reporting this for me, but for the other thousands of people who must be receiving these emails during an economic financial crisis, and are getting scammed into paying these bills they can not afford in fear of their credit being lowered. 

Please do your best to fix this.
Consumer complaint received 2020-05-18
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. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXXXXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX XXXX {$530.00} XXXX XXXX {$700.00} EQUIFAXXXXX {$1000.00}
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED
Consumer complaint received 2017-09-25
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. (NE)

I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. 
They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (NY)

I completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2021-10-14
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2020-10-29
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. (NY)

I had submitted a dispute with XXXX XXXX XXXX XXXX months ago. I received a letter from XXXX that the loan that is reporting in the amount of {$6600.00} ( as a charge off ) and negative will be removed and deleted off all 3 credit reports. I submitted this letter to all 3 credit reporting agency 's as well. Yesterday XX/XX/2020 I received an updated credit report from XXXX stating the information is reporting correctly. This is completely wrong! That negative information from XXXX XXXX  XXXX XXXX XXXX was to be deleted according to there letter. It has been months now and it's still not deleted. I have been more than patient in trying to resolve this problem as having this report on my credit reports is causing me a hardship with my credit score. I tried disputing it again with XXXX but they will not accept another dispute. I was told it has been disputed already and will not allow me to re-dispute it. I have proof from the bank it is going to be removed. This is so wrong.
Consumer complaint received 2020-05-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX received call from XXXX from XXXX XXXX XXXX. Robocall Trying to collect on an alleged auto debt from 2011 that was either put in a bankruptcy or is just time-barred from collection as 5-yr statute of limitations had passed. I called the number they told me to call : XXXX. The rep on the phone said his company is trying to serve me with papers for court from Santander over a supposed debt from XXXX. I told him about the bankruptcy. He said good luck in court and hung up. 

XXXX got another call from XXXX and told them the same thing. He said the robocaller is going to keep calling till my info is removed ; and Im still getting served papers for court. No court case info or anything. I called the XXXX County Clerk of Courts. They have nothing at all for my name. What are my options?
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I recently discovered that my business bank account had been charged with unauthorized transactions. The charges started on XX/XX/XXXX and up to XX/XX/XXXX, in the total amount of {$1600.00}, in XXXX different transactions. 

The business, an online traffic school, had been underperforming since Covid started last year, and then closed on XX/XX/XXXX. All these had caused stress on me not paying attention that the bank could had security issues and allowing a third party to steal money from my bank account. 

The unauthorized charges were made through CHASE XXXX system, a system should only allows the CHASE bank credit card to process the auto pay. But, in this case they were charges initiated from XXXX XXXX. I called XXXX XXXX, and I was they did not find I should be charges for any of my XXXX XXXX  related transactions, and told me to file dispute with CHASE. 

I filed dispute with CHASE for these fraudulent charges since XX/XX/XXXX, and was repetitively told that I have no right to claim the refund based on certain documents I had signed when I opened the bank account. 

Is bank allowed by regulatory agency to operate with security issues and allow customers ' deposit being stolen through the bank 's internal system? 

Shouldn't bank protect the security of its customers ' deposit within its operating system? And be responsible for the depositors ' loss caused by its system security issue? 

Could it be possible the fraudulent charges were created by CHASE system to steal money from its own customers? 

I like to have these questions clearly answered by CHASE. 

Attachements - XXXX bank transactions from XX/XX/XXXX to XX/XX/XXXX XXXX list of transactions which are identified as fraudulent charges and the total amount
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

I have tried numerous times to resolve this matter with Chase Bank. I have made at least 2 dozen  telephone calls ... .sent 2 different certified mail packages that included all documents in my defense ... I have gotten nothing but the run around ... .now my mortgage went to XXXX XXXX XXXX and they can not help me in any way find out information on these corporate advance charges ... .nothing but the run around.
Consumer complaint received 2020-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CASHCALL, INC. (IL)

In XXXX I took out a payday loan due to financial hardships. I tried to pay the loan off and they charged me a {$29.00} fee multiple times a month adding to the hardship along with my normal payment deduction from my bank account. In order to minimize the negative balance in my bank account I closed it out. When I was financially stable I paid off the loan which at that point it went into collections. I reached a settlement and paid the balance due to satisfy the original loan. Every year after that I would get a collections call saying that I still owed money on the loan over {$2400.00} with compounded interest. I paid the amount due several times over and still was being alleged that money was due. In XXXX, I paid a final settlement that finally gave me a paid receipt of payment in full. Since then I have turned in proof of payment to the collections companies that continued to reach out to me every six months or so. At that point I started received calls from Cash Call 's attorneys threatening litigation unless I paid the balance owed. I sent the payment receipt I had previously and calls still continue with a different agency or law firm saying I still owe money or they will start legal proceedings to collect. This now happens every couple of months. When I speak with the collectors they refuse to provide any kind of debt verification of what is owed. I have been trying to resolve this myself of the past few years and am getting no resolution. I have contacted Cash Call several times each time getting different information. Once they said the loan was sold in XXXX and again in XXXX. I was also told that the funding came from XXXX XXXX and has been " XXXX  '' out to lawsuits and therefore did not owe anything on the original loan. I think the loan is being sold to other companies to extort more money from me and the at this time the constant calls are harassing in nature. The collection calls are saying the money owed is to Cash Call not XXXX XXXX which was different than what I was told from Cash Call after directly reaching out them. I want resolution and the constant threats and harassment to end.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TN)

I used auto pay for my Macy 's account. I program my payment for the minimum payment so I wouldn't forget my payment each month. My minimum payment to Macy 's is {$28.00} but for some reason they were taking {$56.00} out that's double the amount. This happened from XXXX to XXXX of this year. I received a phone call from an agent XXXX XXXX saying I missed my payment. When I noticed that Macy 's was taking over the amount I went in and changed my payment to the {$28.00} a month recurring payment. I never miss my Macy 's payment.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXXXXXX, account number XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2020-11-16
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)

hard inquiries on my account i did not made. 
US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX