davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AZ)

Deposits where made through XXXX and online using XXXX But the funds where never posted. I reached out to customer service amore than once and I also spoke to the manager more than once but nothing was done for fix the problem. I ordered na new card and tried all over again but no nothing appeared.. The cards I used were ace elite prepaid, ace Flare accountXXXX XXXX which is XXXX XXXX prepaid. I'm having a lot of issues with the merchant withdrawal using the name XXXX where they went into another account XXXX  XXXX XXXX and withdrew all of my balance.this happened last year ago present day and I'm tired of being broke. XXXX XXXX XX/XX/XXXX of this year
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

My mother owned a house and had a mortgage with Chase. She passed away in XXXX. 

Even though she passed away, I still have to file income tax for her estate for XXXX. Her estate still owned the house in XXXX. 

Chase did not provide me with a XXXX for XXXX. Apparently Chase 's policy is to stop providing XXXX 's for customers that are deceased ( despite the fact that the mortgage is getting paid and is still outstanding ). They have no problem sending notice to the IRS though. 

The XXXX should continue to be sent. Instead I had to call and escalate to a manager. I think this is an attempt by Chase to force the consumer to ( i ) refinance the mortgage to a higher rate or ( ii ) assume the loan. There is a third option for consumers, which is to simply keep it as is and take care of the mortgage. 

Chase 's policy is a way to get the best of the consumer who doesn't know their rights. Its very shady.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (TX)

All three credit bureaus are reporting inaccurate information and never had a result from a dispute it has been past two to seven years I have been disputing the same, and new stuff on my credit report, old stuff older than seven years still on my report dropping my score for no reason inquires from companies I have no clue about I have paid off accounts and none of the information is on my credit report reflecting good points I have paid on time on all the other accounts and my credit score is still low I didn't think you had to be in debt to get a good credit score I thought when you are in good standing with a company for paying on time and off debts what counts credit bureaus I feel hurt more then they help consumers I have tried over the last few years to make corrections and work on my credit but I am at a standstill as if the credit bureaus are hindering my chances to move forward to be able to get a better interest rate on loans for the ability to get a better home the abitlity to live a better life I feel it is unfair for companies to resale accounts that are more than 7 yrs old especially when a consumer apply for credit cards or loans there is insurance that cover the cards or loans just in case the consumer become ill or death occured but my argument is with the three credit bureaus low scoring, not disputing complaints long waits to talk to a human some unprofessional reps talking down to consumers the list goes on but it is consuming to be denied fairness for so long I shouldn't have to have a purse full of credit cards more than one car loan or too many personal loans to get a good credit score that is what put in debt they get overwhelmed to pay back and have health problems, divorce, XXXX etc ... because of being overwhelmed.
Consumer complaint received 2022-09-12
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. (MD)

In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

18 U.S.C 1028 ( d ) ( XXXX ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts 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 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ROAD Auto Finance, LLC (FL)

After numerous attempts to notify loan company of my consumer rights being violated by dealership and letting them know im going through the process of getting things overturned and requesting a debt validation to no avail. 

Road Auto Finance released my personal ie. ( My name and my address ) information to a third party tow company without my consent violating my consumer rights in L5 U.S.C. 552a Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protectsrecords about individuals retrieved by personal identifierssuch as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain. 

Also as I was sitting in my car at XXXX. the tow company came and hooked up to my vehicle while I was in the vehicle. I got out of the vehicle and asked him what is he doing he then told me he was repossessing the vehicle. 

Which falls under the FL state law Breach of peace. Because this was an attempt to take possession of a vehicle with my person physically being in the vehicle. Taking possession of vehicle in this nature is a breach of peace and HIGHLY ILLEGAL. 

Under Florida law, disorderly conduct or breach of peace isclassified as a second degree misdemeanor, carrying penalties of up to 60 days in jail or 6 months of probation, and a {$500.00} fine This violation of consumer rights is on the finance companies fault.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX of 2021 after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all XXXX companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information. 

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a direct tv account and XXXX car collections and XXXX inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an old child support case ( Commonwealth of VA ) that is being erroneously listed as a closed consumer account on my XXXX credit report. This account has been closed for several years, and I have not made any payments towards it during that time. Despite this, it remains on my credit report, negatively impacting my credit score and making it difficult for me to obtain credit. 

I would like to highlight that a child support case is not supposed to be listed as a closed consumer account, as it is not a debt owed to a creditor. In fact, the inclusion of a child support case on a credit report is specifically prohibited by federal law. The Fair Credit Reporting Act ( FCRA ) includes a provision at 605 ( a ) ( 9 ) which states that " no consumer reporting agency may make any consumer report containing information related to ... a case in which child support is owed or due. '' Therefore, the listing of this outdated child support case on my credit report as a closed consumer account is not only inaccurate, but also a violation of federal law. This listing is negatively impacting my credit score and ability to obtain credit, despite the fact that it is not a valid consumer account. 

I request that the credit reporting agency remove this account from my credit report immediately, and take steps to ensure that my credit report is accurate and up-to-date. The listing of this child support case as a closed consumer account is a clear violation of federal law, and I expect the agency to take immediate action to correct this error. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
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. (TX)

In accordance with the fair credit reporting act XXXX accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 2023-06-29
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. (NM)

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 USC 1681.

The letters are stated with items and issues.

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 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.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We have been trying to refinance, with what we thought was a good credit record that has no missed or late payments for the past 25 months, no negatives on our credit report, yet was told today that our loan is showing a 50 year ( 600 month ) loan and the first three payments made when the loan transferred to SPS Mortgage on XX/XX/XXXX to XX/XX/XXXX not being reported to the credit bureau is stopping us from refinancing with any of the top mortgage lenders. We've disputed this with SPS various times before with they're response for the 3 missed payments being a litigation filed. 

There was an initial court filing but was soon withdrawn by the attorney because he did not want it stand in the way of us refinancing. SPS response to them not reporting the first three months was because of a litigation. The litigation was soon after removed but they refuse to correct the reporting to show that we have made consistent and on time payments. 

Concerning the 50 year term. That does not exist for our loan, we were told to look at the Note for the loan that dated XXXX that is the same date of the loan they list on the credit reports. That loan was an 30 year XXXX XXXX loan and that a mortgage Servicer follows the Note, which as they listed would be the one dated XXXX which is the same year of the Deed. 

The prior ( to SPS ) mortgage servicer also listed the date of the loan as XXXX, but they reported the terms accurately of being a 30 year loan ( 360 month ). 

There was a loan mod, that changed things to a 40 year loan, but Servicers follow the Note as what the prior Mortgage servicer did because it also referenced the loan by the 2005 year date. 

Every time we applied to refinance we were told that the 50 years term makes our loan look really bad and that it should not be on the credit report because there is no NOTE to support it. The year of XXXX and the original loan amount of {$190000.00} that SPS reports for the loan should also include the original terms that properly represent the loan that is 30 year fixed. I have attached both documentation to both problems.
Consumer complaint received 2022-09-15
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. (AZ)

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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXXXXXX XXXX Balance {$0.00} Date Opened XX/XX/2013 XXXX
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  XXXX XXXX and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX and did not update my XXXX Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and XXXX. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the XXXX Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Professional Debt Mediation, Inc. (TX)

Dear XXXX XXXX, You are unlawfully using malpractices for extortionate means to torture me compelling a payment through extension of credit by furnishing libel data on my consumer report without my lawful consent nor from an authority of law or a express permission of a competent judicial court. You are knowingly acting as an supersede against the law disregarding the injunction issued by me notwithstanding mentioned the past 3 complaints through the CFPB. I repudiate the piracy and deceptive proof of evidence I received from your company until you provide me with valid legal documents of your clients arbitral contract not excluding with such your lawful method of verification of the documents as requested. PLEASE BE ADVISED your disregard acting as a force majeure against the Gramm-Leach-Blilley Act using extortionate means is inevitable of an conviction fined or liability of 20 years in prison ( Rico Act ) pursuant to 18 USC 891. Furthermore, XXXX XXXX ( XXXX ) of PDM company and XXXX XXXX XXXX XXXX for which your signatures on numerous documents proves your the culprit of these negligence documents pertaining my personal identification. Your retaliatory behavior will not be shown any mercy of the federal law! These previous exhibits of documents are valid proof of your fraudulent and extortionate means to unlawfully invade my privacy and force payment for this imaginary debt you can not legally prove!!
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (TX)

To : Hyundri Finance Finance Dept. 


I wanrt to send this letter to apologize if there was something myself or my wife had done. In appying for a car through you finance company. We have had XXXX cars finance through your finance company since XXXX. Which the first car was XXXX and the second car was XXXX both XXXX. XXXX Hyundia which was call HUB Hyundia when we purchased our cars. A month ago we when in to XXXX because we receive a call from the company that we could come in and trade our XXXX Hyundia as they did in XXXX. When we went in we talk to them about a XXXX XXXX they offer us XXXX for the XXXX XXXX and the XXXX would be finance into the XXXX XXXX. The XXXX XXXX was offer to us at XXXX which instead of adding the XXXX they add the XXXX when they got through with the figures they told us the XXXX XXXX would XXXX with the payments being XXXX a month we wanted the payments down to XXXX a mo. We were told the vechicle was approve by Hyundri Finance this was in the later part of XXXX. When we couldn't agree on the payment terms please kept in mind this was later part of XXXX. They still when ahead and ran our app over 6 six times to different car loan companies through the next XXXX weeks which cause my credit scores to drop. My credit score even though they drop was the same that of XXXX and XXXX when Hyundri Finance, had finance both my cars in XXXX and XXXX and our income has increased by XXXX. We receive a decline letter from you XX/XX/XXXX which reached our mail box XX/XX/XXXX. My XXXX score and my wife XXXX score as of XX/XX/XXXX is higher then it was both times we purchase cars in XXXX and XXXX. I am sure your company does not care that we have been loyal customers we have never miss a payment on either car. Actual if you look at our track record evey monthly payment has been more the actual payment the company assigned. We will continue to payoff the XXXX and I am sure another company would like to have our business. We are sorry for seeking a trade in that the XXXX call us on and then said the Hyundri Finance had approve.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX dispute letter, FTC, and Identification documents attatched.

Pursuant to 15USC 1681i company has 30 days to respond.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (AL)

XXXX received my USBank Reliacard and went on their website to set up my account. I had called the customer service number more than 3 times to get guidance and the " BillPay '' option that is linked to my account. I was told many times that " you do not have this access ''. I was placed on hold for long periods only to not have my issue resolved. 
XXXXSince I was not able to get any help with the bill pay process, I decided to set up a " test '' Bill Pay on my account. I noticed the {$100.00} was deducted from my account immediately. I had no guidance as to how the payment would be processed, mailed or electronic. 
XXXX-I called the customer service number again and expressed concern about this, but was told once again that " you do not have access to Bill Pay ''. I had to insist upon speaking to a supervisor and was placed on hold for another 20 minutes. She could not cancel or do anything to return my funds. As of today, my money is in limbo.
Consumer complaint received 2023-02-24
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)

XXXX and Equifax 1. refuse to block accounts identified as ID theft after I submitted required documentation on 4 separate occasions.

2. refuse to provide full file disclosures after written request 3. Refuse to provide method of reinvestigation after written request 4. Refuse to provide documentation provided by furnishers to verify account after written request