davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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)

FCRA violations : XXXX XXXX SENT over 12 months ago : XXXX XXXX XXXX, TX, XXXX any Questions pls contact me at : XXXX Please ask XXXX XXXX XXXX send signed documents : verify signature with Notary or one of their Facilities that they Trust please verify signature : Have XXXX XXXX send loan documents to me of Match : XXXX XXXX {$0.00} Closed 11 charge-offs
Consumer complaint received 2022-07-19
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)

XXXX, Equifax and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.
Consumer complaint received 2022-07-19
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. (FL)

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-05-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NJ)

I was charged three times by XXXX for a ticket I ordered once. I could not get a hold of anyone at Wells. XXXX people at XXXX, in particular XXXX, threatened to hang up on me despite XXXX rippingme off.
Consumer complaint received 2021-02-25
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. (GA)

XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress they cause me. My information was impacted by the Equifax data breach may have got into the hands of the wrong person. I am begging for help at this point.
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the UNAUTHORIZED INQUIRIES listed below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-23
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-19
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. (FL)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Uplift, Inc (NV)

On XX/XX/2021 a company called 'Uplift Inc ' placed a hard inquiry on my report. 
I am in the underwriting stage of purchasing a home, therefore, I can not have any inquiries on my report. The points drop has put my mortgage process at risk of being denied do to whomever this company is that made the inquiry. I contacted them and they told me they do not have to remove the inquiry. They were very rude to me and not willing to help me so I called XXXX and XXXX  told me to contact you. 
This Inquiry by 'Uplift Inc ' is fraudulent activity on my report and I request help in the process to get it removed. 
XXXX XXXX XXXX
Consumer complaint received 2015-05-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed) (TN)

Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX, I notice an unusual unauthorized transaction on my account in the amount of {$190.00} labeled on my statement as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX '' immediately I contacted the fraud department which both occasions transfer me twice then ended the call. I reached out through the XXXX and was told XX/XX/XXXX executive managers do not handle fraud on accounts. I would like the return of my {$190.00}. I never left the United States or made any purchases in that amount.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that the creditor mentioned have violated my rights. 

XXXX XXXX XXXX Account Number : XXXX Pursuant to 15 US 1681 section 602 states I have the right to privacy.

15 US 1681 section 604 2b states consumer reporting agency can not furnish account without written instructions.

15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would XXXX business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Consumer complaint received 2021-03-26
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. (NJ)

Regarding XXXX Closed account - Company has not provided accurate information on my credit report. I have reach out multiple times. The company has not investigated and has only updated and changed dates. last activity date is inaccurate, closed date is inaccurate.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (MI)

I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.
Consumer complaint received 2021-03-26
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: LEXISNEXIS (CA)

I received my credit report from XXXX yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : Lexis Nexis Consumer Center XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to Lexis Nexis.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings (IL)

I received a notification from XXXX XXXX XXXX that I have an Eviction mark on my XXXX Consumer Disclosure report. XXXX XXXX, a residential property, accessed my report following a rental application for an apartment I applied to on XX/XX/XXXX. My application was denied due to this false statement of Eviction. 

On XX/XX/XXXX my Attorney XXXX XXXX XXXX ( XXXX ) represented my case of XXXX XXXX XXXX XXXX, XXXX. The judge presiding over the case dismissed the Eviction penalty due to my economic hardship status ( due to XXXX XXXX, XXXX refusal to acknowledge XXXX County rental hardship program ), and therefore I was unable to pay the {$1700.00} balance owed. 

I was demanded by XXXX XXXX, XXXX to vacate the property at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX in XXXX, XXXX. I obliged and I was no longer subject to eviction status. 

Yes, I see two separate records in the amount of {$1700.00} as an outstanding balance from XXXX XXXX, XXXX. 

I would like this formal complaint to be investigated so that this mark on my consumer report can be removed.
Consumer complaint received 2020-07-09
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Home at XXXX View XXXX XXXX CA XXXX has not been foreclosed on by Chase Bank after homeowner walked away in XXXX of 2015. Assesmmnts are behind and no title transfer or maintenance to property.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mediation Recovery Center (NY)

I was contacted by Mediation Recovery Center ( XXXX XXXX XXXX, IL XXXX ) for debt that went into collection XXXX/XXXX/1992 from XXXX, when I was a minor. Naturally, I would not have been legally able to establish credit at that time. In addition to being a child in 1992, I still used my maiden last name. This company has illegally tied this debt to me and my social security number which they confirmed ( although I did n't acknowledge to them that it was correct ). This collection claim is completely fraudulent and this company needs to be thoroughly investigated for their illegal practices.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

My property at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX was sold while I was in a modification Program. I did not recieve report back on the modification before the sale the paper work was turn in on ( XXXX/XXXX/16 ) and the sale was on ( XXXX/XXXX/16 ). They said that in needed to be in senven days before the sale day. Please help me keep my home. XXXX XXXX XXXX my phone number is ( XXXX ) and cell phone is ( XXXX ) Thank : You XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I had a rent check made out to my company. I never got it. It seems it was stolen en route. 
The tenant showed me that the check was endorsed, deposited, and debited from his account. 
Obviously, it was a fraud, that someone deposited into his account. 
The bank wrongfully paid this check even though it was made out to a different business name. 
My first place to go was the bank that paid this check. ( JP Morgan Chase, they are the check writers bank. ) However, I can not get anywhere with them. They committed an error by paying this check and they don't want to cooperate with me. I am getting a run-around. 

All they answer me is : it's under investigation. 
Mind you, it is over two months now. 
They can trace this thing in a minute if they wanted. 

I am attaching photos of the paid check with the fraudulent endorsement.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

I was never provided any documentation regarding such creditor. I have been given various collection amounts but no paperwork to prove it. Also, I get around 2-3 calls per day from the debt collector threating me to such an extend that they 're telling me that it will never be removed from my credit report.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

Inquiry has been made to formally request a fair reduction in my APR in alignment with consumer rights and to assist with financial hardship. The company denied my request and didn't offer any options to assist with financial situation. 

XX/XX/XXXX American Express c/o Credit Card Consumer Review XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Dear American Express , I am writing to express my dissatisfaction with the current Annual Percentage Rate ( APR ) applied to my credit card account, and to formally demand a reduction in the APR in accordance with consumer protection laws and regulations.

As a diligent consumer and having extensive experience in consumer law, I am well-versed in the rights afforded to consumers under various federal and state statutes, including but not limited to the Truth in Lending Act ( TILA ), the Credit CARD Act, and other relevant consumer protection laws. 
Upon reviewing the terms of my credit card agreement and comparing them to prevailing market rates, it has become evident that the APR assigned to my account is substantially higher than what is fair and reasonable. This high APR imposes an undue financial burden on me as a cardholder, making it increasingly difficult to manage my financial obligations effectively.

Under TILA, credit card issuers are required to provide consumers with clear and accurate information regarding the terms and conditions of their credit agreements, including APRs. Furthermore, the Credit CARD Act prohibits unfair and deceptive practices by credit card companies and grants consumers the right to request a reduction in their APR under certain circumstances.

Given my responsible credit history and consistent payment behavior, I believe that I am entitled to a lower APR that is more reflective of current market conditions and my creditworthiness. Failure to provide a reasonable reduction in the APR would not only contravene consumer protection laws but also constitute an unfair and deceptive practice on the part of your company.

Therefore, I am formally requesting that you promptly review my account and adjust the APR to a rate that is in line with industry standards and reflective of my credit profile. I expect a written response detailing the outcome of your review and the proposed changes to my account within 21-days from the date of this letter.

Please be advised that I am prepared to take further action to protect my rights as a consumer, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remed
ies if necessary.

Thank you for your attention to this matter. I look forward to a swift resolution that is fair and equitable. 
Sincerely, A representative called me on XX/XX/XXXX to convey they would not be able to provide anything to assist in my request. XXXX from American Express Executive Offices. XXXX.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (WA)

I had a American Express business card since 1995 and the interest rate was okay and I always paid on time. Now they have jacked the interest rate and make this bill almost impossible to be paid off. This is wrong and I do n't need this card anymore. I do n't have the business anymore. They are charging XXXX a month in interest. With interest being at a low for a long time I never realized they were charging that kind of interest. Please advise what to do with this kind of practice. It 's a crime to be treated with this kind of billing practices. You can never paid this off with regular monthly payments.