davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (VA)

I have tried multiple times to have identity theft fraud acounts taken off of my credit report. Equifax, XXXX  and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.
Consumer complaint received 2022-07-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX and I, as a consumer, am making this complaint against Transunion. This complaint is relating to the CHARGE OFF account from XXXX XXXX, ACCOUNT NUMBER XXXX. Transunion has been inaccurately reporting information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon my consumer report being fair and accurate. Not only is the information inaccurate, I was never notified when this information was furnished, and during your company 's initial investigation that this information would be reported. This grave error has undermined my confidence in Transunion 's procedures. This unfortunate mishap has ruined my reputation and adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 2 ), Transunion is a powerless elaborate mechanism. Also, Transunion ASSUMED this role. Transunion was never given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Transunion fail in the initial investigation of this information, Transunion ASSUMED this role and assumed this information was valid ; which is a violation of my consumer rights. Transunion did not insure that this information being reported was accurate and did not exercise their grave responsibility with fairness and impartiality. Transunion took one side of the story and never consulted with me to ascertain if this transaction even took place. My right to privacy has been breached and violated. ( SEE EXHIBIT A ). Congress has made it abundantly clear that a consumer report SHOULD NOT include transactions between the consumer and the person making the report. This is another violation of my federally protected rights. I was never given opportunity to deny this information being communicated on my consumer report. This is another blatant violation. Pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit of a credit card should be excluded from my consumer report. This alleged transaction that Transunion clearly did not investigate is categorized as a transaction that was issued from a credit card ; credit card as defined under 15 USC 1602 ( L ). Definition attached and highlighted in EXHIBIT B.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number 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 an account without my written instructions.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, I received notification that my federal Perkins loan Account # : XXXX, was approved for a Deferment. The letter also indicated that a payment of {$50.00} was due for interest accrued on the Federal Perkins loan. The loan period referenced for the deferment is XX/XX/XXXX. My school XXXX University has requested that I provide a default clearance letter, in order to be eligible for financial aid during the next enrollment period. I was advised by several representatives at XXXX XXXX XXXX that they would be unable to provide a default clearance letter, until the payment of the interest was made to XXXX XXXX XXXX. I am submitting a complaint about the handing of my loan, because the student default letter is being denied, although I have been approved for a deferment of the entire Perkins loan referenced above. I believe that XXXX XXXX XXXX is unfairly withholding the default clearance, based on fees that should be included in the terms of the deferment according to the department of educations definition of a deferment. I was also provided with false information by the agent on XX/XX/XXXX. The agent I spoke with stated that a deferment and a default had the same meaning, and that my loan would continue to be reported as default, although it was approved for deferment. If the terms of the Federal Perkins loan are based on the signed promissory note, it should state the terms specified by XXXX, in reference to the definition and polices of a granted deferment. Definition of default based on www.studentaid.ed.gov : Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. You may experience serious legal consequences if you default. <P/>Definition of Deferment based on www.studentaid.ed.gov A postponement of payment on a loan that is allowed under certain conditions and during which interest does not accrue on Direct Subsidized Loans, Subsidized Federal Stafford Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance ( capitalized ) of the loan ( s ).
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (OH)

my wife and i were pre approved for a conventional loan through 3rd federal savings and loan with a 5.84 % interest rate good through XX/XX/XXXX XXXX we signed our offer to purchase on XX/XX/XXXX. On XX/XX/XXXX we were told by 3rd federal our interest rate had gone up to 6.79 % When I asked, " why it was going up? ", I was told it was because we had to be pre approved again due to a previous contract being cancelled on another home purchase agreement. I was not informed at the time of cancellation that we would have to be pre approved again. The bank instead let us continue to look for homes, and sign a new agreement to purchase for the house we are currently under contract with, before letting us know we would have to be pre approved again, and our old interest rate would no longer be valid. This occurred nearly 2 full weeks after we had signed our new agreement.
Consumer complaint received 2022-08-01
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: Cascade CISS Holdings, LLC (NY)

I was just checking my Account and it states that my credit was checked on XX/XX/2022 by at XXXX  - XXXX. The only reason I am checking is because I just also got an email that a Visa ending in XXXX that I do not own was opened in XXXX under my name as well.
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

I WAS CONTACTED XX/XX/XXXX BY A COMPANY CLAIMING TO BE A PROCESS SERVER AT XXXX # XXXX THEY THEN TRANSFERED ME TO THE SO CALLED XXXX REPS. XXXX XXXX AND XXXX. A XXXX XXXX WHICH HAD MY LAST XXXX OF MY SOCIAL # AND FOUR DIGITS OF A VISA CARD FROM CITIBANK WHICH THEY SAID I OPENED IN XX/XX/XXXX, AND HAVEN'T MADE A PAYMENT SINCE XXXX XXXX. THEY DIDN'T GIVE ME A PH # OR ADDRESS TO CONTACT THEM SO I CALLED THE PH # FOR THE SO CALLED PROCESS SEREVER WHICH CAME UP ON MY CALLER ID AS XXXX, XXXX FOR THE PH # OF THE PEOPLE THEY TRANSFERRED ME TO AND HAVEN'T HEARD FROM THEM SINCE. SO I CALLED CITIBANK ON XX/XX/XXXX AND GAVE THEM MY INFORMATION AND THEY HAVE NO RECORD OF MY HAVING AN ACCOUNT OR EVER HAVING AN ACCOUNT WITH THEM. THEY THEN ASKED ME IF I EVER HAD A HOME DEPOT ACCOUNT WHICH I SAID YES CALLED XXXX XXXX XXXX, BUT THEY HAVE NOTHING ON THAT EITHER BECAUSE IT WAS JUDGEMENT SATISFIED AS OF XX/XX/XXXX WITH THE XXXX XXXX XXXX 'S OFFICE, BY XXXX, XXXX, AND XXXXXXXX XXXX XXXX # XXXX. I FEEL THEY ARE TRYING TO SCAM OR FRAUD ME OUT OF SOMETHING I KNOW NOTHING ABOUT AND DON'T EVEN KNOW IF THEY ARE LEGIT!!
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NC)

I am a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses below are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 
XXXX- opened XXXX XXXX XXXX XXXX- {$390.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX- $ $ {$06.00} XXXX XXXX  Account No. XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). 
The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
I received A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT.. 

Section 605B of the Fair Credit Reporting Act, which requires you to DELETE 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.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (KY)

I had a secomd mortage with XXXX ran into money issues around XXXX and could not make the payment. It was charged off aprox. 8 years ago and doe not even show on my credit report. I am now trying to sell my home and they are wanting the full {$23000.00}. According to Kentucky state law this beyond the statue of limitaions and can not be collected upon. I offered to make a settlement with the company that now hold the accoutn Shell Point Mortage. When I spoke with XXXX at ext XXXX she was attament that i would have to pay the complete balance even after I told her about Kentucky law she stated dosnt matter I would still have to pay.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

I utilized an 0 % XXXX balance transfer that was advertised to me by Chase Bank on their website for the XXXX XXXX Rewards Visa Card. I made a transfer in the amount of {$11000.00}. After completing my transfer, I began to be charged interest on purchases made even though I would pay more than the minimum payment and more than the dollar amount of my purchases. 

When I called chase to speak with them about why I'm being charged interest, I was told by 3 different representatives, that during a balance transfer period, unless the statement is paid in full ( in this case the full {$11000.00} + new purchases ), my payments would be allocated only to the lowest interest bearing amount first, then the purchases bearing the higher interest. Said differently, all my purchases that are accruing interest will not be paid off and will accrue interest until I pay off the {$11000.00} balance transfer. 

I was told that the interest provision described above was embedded somewhere in my balance transfer agreement, however it is not clearly stated. Unless the consumer was expressly directed to the subsection and made aware of where to find this hidden stipulation, it is very misleading to the consumer and is an unethical and unscrupulous attack on the consumer. 

Since XX/XX/XXXX I've made payments of {$6200.00} and have only made {$1800.00} in purchases, but I am still being charged interest on purchases because ( per the Chase Credit Card representatives ) the {$6200.00} has gone to pay down the 0 % XXXX balance transfer and none of the additional payments will be allocated to my purchases. 

Timeline below : As of my Statement Date closed XX/XX/XXXX, I had a {$0.00} dollar amount of purchases subject to interest accrual. 

On XX/XX/XXXX, I completed a balance transfer in the amount of {$11000.00} for an interest free period through XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with 3 Chase representatives who all confirm that Chase will lock me into paying interest on purchases unless I pay off the statement balance in full. For this reason " they advise customers not to make purchases during a balance transfer period ''.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMS-Recovery Management Services, Inc. (NY)

I received a notice to pay an alleged debt by XX/XX/2022 from RMS , IncXXXX on XX/XX/2022 I sent a certified letter ( XXXX XXXX ) asking RMS, Inc. to validate alleged debt made pursuant to 15 USC 1692g sec. 809 ( b ). I asked the alleged creditor 1. Have they sold this alleged debt? 
2. to whom is this debt sold to and for how much was this debt sold?

3. Are the alleged creditors still in the process of collecting this debt? 

On XX/XX/2022 Recovery Management services , Inc. ( RMS ) sent me a pile of statements from an alleged creditor or whomever in which RMS is being deceptive and creating a false belief in me as an consumer that the alleged " creditor '' was attempting to collect, which is not true. 

Pursuant to 15 USC 1692j ( b ), any person who violates this section shall be liable to the extent under 15 USC XXXX {$1000.00} ( XXXX XXXX USD )
Consumer complaint received 2022-08-17
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: SYNCHRONY FINANCIAL (GA)

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-07-21
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.
Consumer complaint received 2022-07-22
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: BARCLAYS BANK DELAWARE (NC)

XX/XX/2022 XXXX NOTIFIED ME THAT THERE WERE CHARGES ON MY BARCLAYS CARD THAT WAS NOT NORMAL FOR MY PROFILE WITH XXXX I NOTIFED BARCLAYS ABOUT FRAUD CHARGES.THEY ADVISED ME NOT TO USE THE CARD AND THEY WOULD SEND A NEW CARD.THEYDID NOT REMOVE THE CHARGES THAT WERE ON VIOLATED ACCT. PER THE CUSTOMER SERVICE REP.THE NEXT STATMENT ON THE NEW CARD HAD CARRY OVER FRAUD CHARGES FROMTHE OLD ACCT.THE OLD CARD CHARGES WERE IN XXXXTHE NEW CARD, XXXX STATMENT HAD THE FRAUD CHARGES CARRIED OVER.I CALLED AND THEY APOLOGIZED AND SAID IT WOULD BE TAKEN OFF WITH THE INTEREST CAHRGES.tHEY SAID IT XXXX TAKE 2 BILLING CYCLES.THEY DID REMOVE THE INTEREST CHARGESXXXX STATMENT COMES, I CALL HEAR THE SAME STORY.THE XXXX STATMENT COMES, I CALL AND EXPLAIN THE SAME THING OVER AND WITH NO RESULTS WITH THE CUSTOMER REP I ASK FOR A SUPERVISOR AND SHE HANGS UP ON ME.i DO HAVE THE CUSTOMER SERVICE REPS ID NUMBERS. I CALL BACK AND THE CUSTOMER SERVICE REP PUTS ME OVER TO THE FRAUD DEPT AGAIN.I HEAR THE SAME STORY, I ASK HOW LONG WILL IT TAK AND SHE SAYS MAYBE 2 BILLING CYLES BUT NOT MORE THAN 9O DAYS.i EXPLAIN THAT ITS ALREADY BEEN 120 DAYS, SO I SAID WHAT YOUR TELLING ME IS AMBIGIOUS.LET TALK WITHA SUPERVISOR.SHE SAID YOU CANT, I NEED TO CALL BACK IN 5 DAYS.THIS IS OLD.I NEED HELP.I HAVE SPENT OVER 6 HRS ON THE PHONE TRYING TO GETTHIS RESOLVED
Consumer complaint received 2022-08-01
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. (GA)

I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my Equifax consumer report. I have sent in numerous disputes and filed a police report and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account # XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C. 1681 section 602 A. 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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.

I have respectfully asked for them to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. Also under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of the re-investigation.
Consumer complaint received 2023-03-25
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. (OH)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notifications or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationships with creditors as I am going through the home buying process.