davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (MN)

Attached to this complaint is a copy of the check that was sent to Associated Bank. I currently have a close checking account with Associated Bank but I have a past due balance on the closed account. XXXX XXXX sent a check to Associated Bank to cover the past due balance I owe Associated Bank. I want Associated Bank to credit my closed checking account showing the past due balance is paid in full. Full Name : XXXX XXXX XXXX, DOB XX/XX/XXXX XXXX : XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I received a debt collection harassments notice from some company called CACI. This is an ongoing problem from 2019 when my identity was compromised. They purported debt in question does not belong to me and it keeps going to debt collection agency to debt collection agency. This is not my debt and I've disputed it time and again with different companies, this one is just the latest.
Consumer complaint received 2024-02-07
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. (VT)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX  XXXX BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-08-05
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. (FL)

on XX/XX/2022 I sent Experian an identity theft police report, identity theft ftc report and a list of fraudulent accounts being reported on my credit report experian received the documents on XX/XX/2022 yet they have not removed the fraudulent accounts pursuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

experian is in violation of the fair credit reporting act
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This vehicle was involved in an accident and determined to ne a total loss. XXXX insurance has made several attempts to contact XXXX XXXX and settle remainder of debt. Loans has been paid in full and should reflect that on my credit report.
Consumer complaint received 2023-11-08
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. (FL)

On XX/XX/XXXX someone charged my account {$2000.00} at XXXX. When i noticed it i locked my card and call Chase when i could. They said they denied my claim because I confirmed the fraud alert that they sent me. The fraud alert was from a completely different transaction. Now they dont want to open my claim and I lost {$2000.00}. I am not rich i can not afford to give away money and they arent even trying to help me.
Consumer complaint received 2023-12-05
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. (VA)

XXXX XXXX XXXX reported a late payment to my credit which I never paid late, requesting that it be deleted from my credit report XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$150.00} Balance updated XX/XX/2023 Account number XXXX
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASSOCIATED BANC-CORP (WI)

Hello. I had a change in homeowners insurance back in XXXX of XXXX. This has caused a 2 day lapse. My bank contacted me to let me know that I owe {$12.00} for this 2 day lapse. No problem, I simply added this amount to my normal payment. I didnt straight up say, this is the {$12.00} for escrow, no now they claim I didnt pay it. Due to this error, the bank has placed forced-insurance on my home which is doubling my payment. I cant afford this. I have gone around and around with my bank and they claim that I am past my timeframe and they refuse to release the forced insurance. Remind you I have had adequate homeowners insurance this entire time. My lapse was from XX/XX/XXXX - XX/XX/XXXX, they started the forced placed insurance XX/XX/XXXX. Ive been trying to work with them but they refuse. Now they are sending my foreclosure letters. I have been paying my mortgage minus the insurance. What can I do to get rid of this insurance and save my home?
Consumer complaint received 2024-02-07
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. (CT)

It has come to my attention that my privacy has been severely violated by the credit reporting agencies. As stated in the Fair Credit Reporting Act ( Title VI Consumer Credit Protection ) information in a consumer report can not be provided to anyone who doesn't have a purpose specified in the Act. The and Accurate Credit Transaction Act added many provisions to this Act primarily relating to record accuracy and identity theft. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you ; written, unwritten, verbal and non verbal per US Code 6802.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I'm 2 days late on my Target credit card payment - over the last 2 days I've been harrassed by multiple calls a day from the same # also just received a call to collect after I told them to stop calling me at XXXX which is outside business hours and not appropriate.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I tried to make a transfer to one of my external accounts on file and was told a transfer was limited to XXXX daily ... ..? I found that weird, since they don't have limits when the transfer is coming into my Acct ... ... .Is this LEGAL?
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not provide my permission for the sharing of my private information. Information reporting that affects me as a consumer is NOT fair and XXXX. I never received the right disclosures or a choice on the sharing of my information. Any advantage from these transactions has not gone to me. I feel like an identity theft victim. Please block, delete, and promptly take them off of my customer report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with Metro 2 credit reporting.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (GA)

My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. 
My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. 
I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. 
For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a check.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I have tried and done everything in my power for PRMG not to continue charging me the PMI since I got to 80 % LTV, I'm now on 72 % and they just turn their eyes away and don't do anything. I understand this is illegal.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TX)

On XX/XX/XXXX, Calvary Portfolio Services falsified information regarding the date a XXXX XXXX was allegedly opened by me while the only XXXX XXXX i had was opened in XX/XX/XXXX and the last activity in that account was around XX/XX/XXXX. Calvary Portfolio RE-AGE the account and reported that the said account was opened on XX/XX/XXXX which is false. The alleged amount that Calvary Portfolio is seeking for which they are claiming i am owing is {$2500.00}. I did not open any Credit Card on XX/XX/XXXX. I have disputed this report with the credited agencies and want this false collection removed from my credit report immediately. 

According to FCRA Section 605 ( c ), it is against the law for any collection agency to re-age an account by reporting another date which is not the date of the last delinquency. Texas Debt Collection Act prohibits any collection agency from providing FALSE information and this is a violation of The Deceptive Trade Practice Act. 

Texas State statue of limitation Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. 

Texas state laws are more consumer friendly than most states where the statute of limitations starts after the account has been charged off. 

In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the date of last activity or DLA
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Genesis Credit Management, LLC (WA)

X/X/14 is not the exact date of the event and disrespect but it was done within in the year of 2014. One of the companies is called XXXX XXXX XXXX based out in XXXX county, Wa. The amount that I allegedly owe is {$660.00}.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (NJ)

On XX/XX/XXXX, I went into XXXX XXXX  to purchase a refrigerator. The salesperson told me about their lease to own program where I would put down a small deposit that day and every two weeks they well deduct XXXX out of my account until the terms of the license was satisfied., Fastforward to XX/XX/XXXX, I noticed that money was still being taken out of my account at this point I knew my license would of been paid in full. I added up all the charges and saw that I paid over XXXX more than the lease. I contacted the company and was told they will refund the last transaction but their is nothing more they can do because it's a lease to lease agreement. That isn't what I was told at time of purchase and who would pay double the price knowingly, they even tries to get me to enter into another agreement to do a rent to own.At this point o was frustrated and tries to dispute the charge with my bank, but being that some of the transactions were over 6 months there was nothing they could do besides refund me XXXX, which equate to 2 payments. No one ever told me that I needed to contact the company to have payments stop. Once a contract is done all payments should of seized, but they continued taking money out of my account.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( 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 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX