davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NJ)

I was reported 30 days late because I made loan payments during a lender offered, Covid 19 payment assistance deferral with Chase Auto Credit. 

On XX/XX/XXXX, I responded to an offer by Chase to defer payments on my auto loan for 2-3 months. Due to the uncertainty of how the virus would affect my income, I enrolled for the deferral and stopped automatic payments. ( enrollment letter and program expiration letters attached XXXX We were in the process of obtaining a mortgage for a new home during this time. 
On XX/XX/XXXX, My loan officer cautioned me that any mark on my credit report at this time would jeapordize my chances to obtain the mortgage and, as a precaution, advised me to pay up the auto loan with Chase if I could. Since the Covid situation did not affect my business badly, I could make the payments. 

I called Chase on XX/XX/XXXX to tell them that I was going to start making payments to bring the loan current and avoid negative marks on my credit. I clearly stated I did not want to do anything that would jeapordize my credit. The representative told me that my credit would not be affected and I would not be reported late or reported that I was on a deferral. 
I sent them three seperate payments so it would be absolutely clear they should be applied to each monthly payment, instead of being applied as one bulk payment. ( bank statement attached ) On XX/XX/XXXX, I received a letter from Chase informing me that my " Covid 19 assistance program has expired '' ( letter attached ). Showing I was in the program from XX/XX/XXXX to XX/XX/XXXX. 

I received a credit alert that I was reported 30 days late for the XX/XX/XXXX payment. 

I contacted Chase Auto Finance and placed a dispute. I was told by the dispute department that since I made the payment in XXXX, the XXXX payment was 30 days late, but the account is now current. Due to the automated process, there was nothing they could do to remove the 30 day late. In addition, they charged me a late fee for the XXXX payment. 

I wrote the 3 major credit bureau 's and entered a dispute. All three came back as having checked with the creditor and finding the results to be accurate as " Account is current '' In summary, I was on a payment deferral plan, and with all good intention, made payments to insure there would be no issues with my credit. My credit score dropped almost 40 points due to, what I can only guess, was a gross misunderstanding during a very chaotic time. I thought I was doing the right thing. I would have never intentionally jeapordized my credit. 

I respectfully request this 30 day late be removed from my credit reports. 

Thank You.
Consumer complaint received 2020-05-29
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: Resurgent Capital Services L.P. (NJ)

I've been disputing inaccurate reporting on my credit report. LVNV FUNDING keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

Hello. Transworld System Inc ( TSI ) has reported collection on my account several times to the 3 credit bureaus. I submitted a copy of the police report I filed to show I was a victim of ID theft, and I also submitted my utility bills ( as requested by TSI ) to show proof that I've only lived in XXXX XXXX, whereas the utility bills that are in collection are for someone who lived in Texas. I sent one correspondence on XX/XX/XXXX, and another correspondence on XX/XX/XXXX. They have not responded to me, and when I call the number that shows up on my credit report ( XXXX ), it says their mailbox is full and can't receive any more messages. I don't know how else to get these guys to stop harassing me with continuously reporting fraudulent accounts to credit agencies. They have been made aware that I was a victim of ID theft in XXXX, but they are constantly harassing me with new claims. How do I get them to back off permanently? 

Thank you so much for all your help.
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. as a consumer I notified the furnisher indirectly through the CFPB of my dispute/complaint. XXXX  XXXX, XXXX XXXX along with XXXX all failed to follow The FCRA. The complaint that was chosen to be ignored was XXXX delete all accounts listed below because a reasonable reinvestigation was never complete with 30 days.
Consumer complaint received 2020-06-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I applied for a mortgage with USAA and was approved twice. As needed I paid for Inspections, Appraisals, and waited for the closing. Days for the closing I could not reach anyone for the closing documents. After calling a manager I was told I did not qualify for the loan. After months of looking for a home and money send that was that. As a XXXX veteran, I feel mistreated by USAA and its management.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2023-02-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion did not perform a fair and equitable investigation as required by the fair credit reporting act. 

As a customer, I have the right to privacy. Please provide copies of the disclosure documents that I signed with XXXX that permit them to furnish this information on my consumer report. 

In this absence of such documents, XXXX and Transunion are both violating my right to privacy. Delete these items from my consumer report.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy
Consumer complaint received 2020-06-23
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-02-25
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. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2023-02-25
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.C.S 1681. 

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 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 instruction.

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 1681c-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.
Consumer complaint received 2020-11-27
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. (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-06-23
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. (VA)

I receive a bill from XXXX XXXX XX/XX/XXXX with charges that I did not make. I advised XXXX XXXX that the charges were not mine. XX/XX/XXXX, I received an email from XXXX XXXX stating they updated my address. I call the number on the email to advise that I had not moved and sent proof to the address that was given to me that I still lived in Virginia. I did not get another bill nor did I get a response, which led me to believe the account had been correctly updated to show that I did not make the charges. XX/XX/XXXX, I received a notice that XXXX XXXX XXXX XXXX XXXX that an account was overdue with XXXX  XXXX and a warrent in debt delivered to me.This was the first time that any information was given to me regarding the accumulated debt. Up until this time, I assumed that the original claim that I made XX/XX/XXXX had been updated to reflect that the debt was invalid and not mine. I looked over the documentation to discover that bills and documentation was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. This address is printed on the billing statement. I began to research the address to see who used this card in my name, I was told that I had to appear in court. The court date has been changed twice due to the COVID-19 pandemic. I spoke with a representative with XXXX XXXX XXXX advising of the incorrect address and that I had proof of my legal address in Virginia. I explained that these charges were not mine and that i never received any billing until I received this notice to respond in court. I have lived in XXXX Virginia for over 30 years of my life, with proven track record of utility, driver 's license, continuous employment in the state of Virginia. I have been on my current job for 21 years. XXXX XXXX advised me to take the steps to report this fraud so that they can remove it from my account.
Consumer complaint received 2023-02-25
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 US DEPT ED Account # XXXX, US DEPT ED Account # 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
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX someone used my XXXX and debit card to transfer money on XXXX 3 times for {$490.00}, I did not authorize this individual to make those transfers and I immediately notified CapitalOne in regards to these transactions. Capital One also paid several of my bills on a XXXX  balance which I had requested them not to pay as I paid from my new bank account causing me to pay an extra {$630.00}. I also was told by one of their employees to open new bank accounts which I did but the bank immediately closed them as they stated they no longer want my business. I was employed by Capital One for 30 plus years and was extremely disappointed with their service or lack thereof. I must have spoken to at least a dozen employees and received incorrect information each time.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp. (FL)

At the end of the lease termination due to ( military orders ). The  Vehicle was returned with less than 36,000 miles. When I purchased this lease, the dealership told me the lease is for 12,000 miles per year or 36,000 for three years. The vehicle was returned after two years and the mileage was at 29,000. I have leased with other car companies before and I have also terminated pervious vehicle leases because of military orders and Ive never have a problem before as long as the vehicle did not Exceeded 36,000 in three year period. Also I am getting charged for a disposition fee. I dont understand why I have to pay this fee.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately 7,000 dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, please help me