davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IQOR US INC (NY)

Calls received multiple times daily from XXXX from Allied Interstate LLC claim8my to be collecting on a debit for XXXX, caller is from XXXX. This debut was discharged in bankruptcy chapter XXXX XXXX XXXX 2016. I provided this information to XXXX, on other collection company for XXXX and now these people in XXXX. My lawyer also sent them a letter to stop collection. But they wo n't stop call my phone and husbands phone multiple times a day! Please stop this harassment!
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, I have a right to privacy.. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. Please see the attached dispute Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Passport Card ( Identification )
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BBVA FINANCIAL CORPORATION (CA)

I made reservations at a hotel for XXXX XXXX through XXXX I never made it to the reservations but the hotel was entitled to take {$50.00} for breaking reservation they try to take the {$50.00} but could n't because it was n't available but they already had pre-authorization for {$220.00} which after they returned because I did n't take the XXXX days at the hotel when they figured out they could n't get the {$50.00} because it was n't in the account for breaking the reservations and they forced the transaction to go through for {$220.00} then left me negative. I contact my financial institution which is XXXX XXXX XXXX they gave me a hassle today is XXXX XXXX this dispute has been open since XXXX XXXX and still I have no outcome even though they know that the hotel attempted to charge me {$50.00} for the breaking of the reservation and could n't get it and forced the money to go through they did n't give me a provisional credit then and give me anything. My utilities as well as phone were cut off due to this Fiasco I 'm asking for {$150.00} aside from the {$220.00}. Also this card was advertised for budgeting for never being able to go negative if this car went negative and it was never supposed to that 's a classic case of false advertising.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided
Consumer complaint received 2024-01-29
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. (GA)

I attended a event in XXXX and my purse was stolen that included my personal information. A police report was filed with the XXXX XXXX police department, and I was advised to continue to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge. I contacted the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to request verification of the accounts. I was also informed that my information was included in an XXXX XXXX. Furnishing information to my account with my written consent or knowledge is in violation of 15 USC 1681B. 

I have thoroughly researched, and these accounts being furnished to my profile are from someone using my information without my knowledge. Furnishing accounts due to identity theft further violates my consumer rights, specifically 15 USC 1681 c-2. 

I have affiliation with XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In regards to  XXXX , In addition to the CFPB grievance I had filed, I disputed my entire last payment on my credit card ( sometime in  XXXX   XXXX   ). I  had contacted  XXXX  in regards to Capital One potentially not following their side of the Consumer Agreement ( or similar agreement governing my relationship to Capital One and/or use of the Capital One card that I had been assigned ). After much deliberation,  XXXX  determined that I was not required to submit payment to Capital One since Capita l One had viola ted certain terms in its Cardholder Agreement ( or similar document ). After a while, I had attempted to login to my Capital One account where I was informed that I had an outstanding balance of the amount that I had disputed, plus some fees ( sometime in  XXXX   XXXX   ). I had contacted Capital One through its online chat ; the chat operator informed me that I would need to contact Capital One directly over the phone to dis cuss the matter. After I contacted Capital One by phone, a representative informed me that I would need to speak to the fraud department for Capital One during normal business hours ( I had called after hours ). I had reached out t o Capital One 's Fraud Depar tment a few days later. The Fraud Department 's representative stated th at Capital One would i nvestigate the matter and then get back in touch with me, which never happened.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Bank closed my credit card account due to listing multiple charges as fraud. Even for the transactions I listed as fraud, they havent given me money back for it. They are two charges for XXXX XXXXl for {$100.00} and {$42.00}, and the rest of the chargers are from XX/XX/2022 onwards.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 7. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 8. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 9XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. XXXX there is some inaccurate information reporting. DEPTEDXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 14XXXX there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 15. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Equifax mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I noticed in my credit a collection under my name XXXX XXXX and the debt is not me. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account # XXXX Creditor : XXXX Balance {$680.00}
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX  XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

I have been a customer with  XXXX   XXXX   XXXX  for 4 years now. I have always had internet service with them. Last year in  XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service.  XXXX   XXXX   XXXX  shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up  XXXX  accounts simultaneously for the same address. I managed to get them to close  XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current  XXXX   XXXX   XXXX  internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have  XXXX  accounts,   XXXX   opened without my knowledge, and  XXXX  now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with  XXXX   XXXX   XXXX  at my address that I am paying on time each month.  XXXX  have gone to collections. My  credit score  was  XXXX  and is now  XXXX . I am currently disputing   XXXX    delinquent accounts but not getting anywhere.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 

2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.
Consumer complaint received 2017-09-15
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. (FL)

I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.
Consumer complaint received 2021-04-22
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. (FL)

I, XXXX XXXX sent Equifax an Identity thief report XX/XX/21 ( Check attachment ) sharing with them the exact accounts that were effected by fraud and letting them know these accounts are involved in litigation.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). 

It has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (TX)

Experian failed to properly validate accounts I disputed. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Experian aid required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Experian stated in writing that they verified that the items are being reported correctly. Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Experian that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Experian failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX has this debt to multiple agencies and some at the same time. Original account was discharged in bankruptcy. Agency claims account was not closed and remained opened when I in fact lived in another state. The debt has now been sold to 6 different agencies caused hardship and even prevented the approval of my home loan due to multiple collections listed by this same creditor. When I call XXXX directly they say they can not verify my account. They 've asked me to travel to their nearest location which is hours away to show proof of ID and when I have gone my identification does not match the account so they do not assist me.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX is illegally reporting my bankruptcy on credit report without my consent. I calllex the US bankruptcy court in XXXX. And they stated that, They do not share your personal information. Or do they report to the credit Bureau.