davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NC)

The account was with Care Credit. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had Care Credit ( Synchrony Bank ) since the early XXXX. My son was under XXXX years old when I had Care Credit. He is now XXXX years old. How much longer will I have to deal with this?
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

My Chase Visa Card number was taken by an ex employee who was fired 15 months ago. She charged {$250.00} of stuff for her and three weeks later donor charged {$3900.00}. They used my Visa Chase card on their Amazon accounts. The only reason I know it was an ex employee is because Amazon thought she was my wife when I called to ask about the charges. She charged {$250.00} and I believe my ex employee gave the card to someone else. I cant prove that because Amazon wont tell who used my card. Visa/Chase was told but the phone by Amazon that two other accounts used my credit cards. Amazon wont supply the names to them for fraud research. Chase requested a report from Amazon that showed my normal purchases from Amazon. Amazon send me an email with a link to pull those reports. Its an XXXX document but the document doesnt have my name on it and Chase wont except it. I cant even give the police the name of the person or the address who stole from me. Chase is making me pay {$5000.00} for products that I didnt purchase. Im asking for your help. My family cant afford this with Covid.
Consumer complaint received 2021-10-22
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. (NC)

I had an initial auto loan with XXXX, upon financing with a more reputable bank, a payoff check was sent to XXXX from our new bank XXXX. XXXX received the check on or around XX/XX/2021. The tracking number proves it was received by XXXX. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to XXXX and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that XXXX had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.
Consumer complaint received 2021-06-01
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. (GA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2022-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Vance & Huffman LLC is reporting a debt from a payday loan company XXXX XXXX that does not belong to me. The collection account was reported XXXX 2021 to XXXX, XXXX, and XXXX. I have called and disputed the incorrect reporting multiple times since then but Vance & Huffman continues to re-report it. I have never obtained a pay day loan and this company refuses to send me any origination papers to substantiate the debt. Their refusal to remove this incorrect and/or fraudulent account reporting to XXXX, XXXX, and XXXX appears XXXX be fraud and illegal business practices rather than any mistake.
Consumer complaint received 2020-11-23
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: COLLECTION BUREAU INCORPORATED (ID)

I received a court notice of judgement and default stating that I had been sued for a debt on XX/XX/2020 from the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law on behalf of Collection Bureau , Inc. I received no prior notices of the lawsuit and the court papers do not state what the debts are owed for. They entered a judgement against me for {$880.00} plus attorneys fees of {$400.00}, {$200.00} in other costs for a total of {$1400.00} for failing to respond to the lawsuit which I never received notice for. They served my court papers to a person not related to me and who I do not know and had them sign for me ( if it was required for the person receiving the papers to do so ). I furthermore do not live at the address they had served to and have not lived there in six months. This is a violation of my privacy as the person receiving my mail and court papers did not have the legal right to do so and it potentially gave them access to my personal information that they were not legally entitled to because the papers contained the court case number which the person could have looked up. Luckily, the person who received the mail did the right thing and forwarded it to the post office who then forwarded this first notice of the lawsuit to my current address ( I have had trouble with the post office properly forwarding my mail to me since XXXX and I have called the post office several times to try to resolve the issue ). Therefore, the attorneys for Collection Bureau , Inc. falsely certified to the XXXX County Court Clerk that they had served me with the court papers when they in fact had not. Therefore, I had a judgment entered against me for debt I was unaware of and am not sure is valid because I failed to respond to a court notice that I never received. 

I have no knowledge of owing them any debt as my husband had paid Collection Bureau , Inc. some outstanding medical debts on my behalf back in XX/XX/2020. As far as I am aware, I did not owe them any more money because they sent me no notices notifying that I owed them further debt. 

I called both Collection Bureau , Inc. and the office of XXXX XXXX XXXX and XXXX XXXX XXXX, Attorneys at Law to notify them of their improper court filing on XX/XX/2020. I also emailed the law office on XX/XX/2020. They assured me that they would be placing the judgment on hold. I plan to file a court response to let the court know that I was not aware of the lawsuit or what the debts they list are for since my husband had already paid them in XXXX for previous medical debts I had owed and I believed the debts were no longer owed.
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2018-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Creditors, Inc. (TN)

I'm in Tennessee and was married for 3 years to my husband that XXXX XXXX   in XX/XX/XXXX. He was diagnosed with XXXX XXXX in XXXX and only lived XXXX XXXX from his XXXX. AFFILIATED CREDITORS INC has reported that I have medical bills that have gone to collections. These bills were addressed in my husbands name only in the beginning. He XXXX XXXX. I noticed in XX/XX/XXXX that ACI put these on my credit report as well as changing the addressee name to mine. I have messaged them through their website and had one of their employees contact me via phone per my request. I explained that this was my XXXX husbands hospital bills. Our health insurance was under my employer, but I never signed any document saying I would be responsible for paying his bills. I was told by the Affiliated Creditors representative that this should have been on his credit report, not mine. She was going to reach out to her supervisor and call me back. Instead, I continue to get bills now addressed to me. Please have these removed from my credit report. I've worked hard to pay my bills on time. 

XX/XX/XXXX {$1800.00} XX/XX/XXXX {$950.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$910.00}
Consumer complaint received 2018-03-03
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: EQUIFAX, INC. (CA)

On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payments need to be updated.
Consumer complaint received 2021-06-01
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. (IL)

1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt.

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i called to pay this and told collection company i wil pay but they must remove from credit report before i pay they said the will call original creditor and verify and they called me back and said they will remove it but they never did after i paid it
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

We applied for refinance with Chase. The underwriter asked for additional assets. We emailed about additional asset options several times, but never heard back and shockingly found out that our application was denied on the basis of insufficient asset. The denial decision was ungrounded. We have enough assets. Counting in any of the additional options in our email, we should have enough assets. However, our communication and efforts to discuss these additional asset options kept being ignored. Our application was denied before anyone responded to us regarding those asset options. We deserve more fair treatment, after such a long period of waiting, than simply being dismissed without reasonable communication.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 My credit report TransUnion and XXXX  refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the 3 credit bureau and debt collector ( XXXX XXXX XXXX ) the amount showed is {$4100.00} and XXXX.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CO)

NetSpend has a product called Skylight One that allows people to sign up with an email address and get their paychecks deposited to a prepaid card of some sort. 

This company, however, does not verify the email address when signing up, and someone else has used my personal email account. NetSpend refuses to correct this entry in their database, do I continue to get messages for this customer, which has revealed to me the person 's first name and last 4 digits of the prepaid card signed to them, which I consider to be a data privacy beach. 

NetSpend support representatives tell me there's a " security reason '' ( their words ) that block them from correcting their system and removing my email address, which is now also a CAN-SPAM violation, do I'll be pursuing a complaint there as well.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Today, XX/XX/XXXX, my sister in law called US Bank in regard to a letter she received from them. The letter was asking about transactions on a certain account. When she called, she spoke to a banker who asked her a series of questions regarding ownership of an account. She affirmed that she has an account with my wife, which is a savings account that is being held in trust. The original owner was my mother in law who passed away on XX/XX/XXXX. She was then asked to verify deposits in various amounts, but those deposits did not coincide with any accounts she holds with my wife. Those deposits coincided with an account that my wife and I hold. After her phone call with the banker, my sister in law called my wife and I to notify us of the conversation she had. I had received a phone call on XX/XX/XXXX from the XXXX XXXX XXXX asking me to verify some transactions on my savings account ( for the record, this conversation with the bank regarding my account activity was totally appropriate ). I do not know how my account & my wife 's information had been cross-referenced. But what is more disturbing is that this banker shared private information on my account with someone who is not on that account as a signer. This banker shared balance & deposit information to an unauthorized individual. I feel this is a serious violation and this needs to be remedied.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. Please remove and delete the below items from my credit report at once.
Consumer complaint received 2021-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST HORIZON BANK (LA)

I, XXXX XXXX entered into a consumer credit transaction with IBERIABANK d/b/a IBERIABANK Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but IBERIABANK d/b/a IBERIABANK Mortgage took cash. Since then, IBERIABANK d/b/a IBERIABANK Mortgage has sold the note to XXXX XXXX XXXX XXXX and is now liable both criminally and civilly.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2020-07-23
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. (TX)

Experian reports credit inquiries. Scores based on the number of credit inquiries is really absurd and companies using this score ( based on number of inquiries ) refuse credit but then the number of inquiries goes up by another one. 
Making it harder to get credit from another company. 

Example : My XXXX XX/XX/XXXX Credit Score was XXXX as reported by ( XXXX XXXX XXXX XXXX ) On XXXX XXXX I applied for XXXX XXXX  credit card. I was refused saying the number of credit inquiries is too high in the last 2 years and a Score ( FICO score XXXX ) of XXXX? 

* I have an annual salary greater than $ XXXX * NO liability * Only 2 credit cards ( all paid of monthly - no defaults ) The denial was shocking - to say the least. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ), One by XXXX ( XX/XX/XXXX XXXX XXXX was denied ). Rest is 4 credit cards in XXXXyrs. 2 of them closed. 

Now that XXXX XXXX  has refused - it adds to another credit inquiry, so the next financial company will XXXX saying..you have 7 inquiries.

Should the number of inquiries form a part of the credit score?
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (AZ)

I have been sending reports and made it clear I was identity thefted. They have ignored every report, every dispute over 100x, complaints, disputes and reports all ignored. 
I am being Discriminated against, for my color, my XXXX, my gender, my Sexuality, my age. They have caused me to be homeless for over two years now. I am filing civil rights
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R J Baucum Enterprises, Inc. (TX)

Edward Sloan and Associates are in VIOLATION of the FDCPA. I sent a debt validation letter OVER two months ago. I have yet to receive ANYTHING proving these debts are mine. I am demanding that they stop collecting on these accounst and remove these accounts from my credit reports and notify ALL credit reporting agencies. 
Account # : XXXX Account # : XXXX
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ), XXXX XXXX ( Original Creditor : XXXX XXXX  ), XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.