davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has and is continuing violating my federally protected consumer rights as well as my constitutional rights to privacy and confidentiality under 15 United States Code 1681.

15 U.S.C. 1681 Section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 602 A Also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item, or information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. 
Here are a list of such accounts or companies that are violating my rights and dates they furnish such information. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 
I sent XXXX a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting i havent receive a response back I sent XXXX a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting I havent receive a response back. 
I sent Experian a letter Certified Mail Receipt # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting I havent received a response back.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I did a transaction thru cashapp with an online fraudulent merchant minutes after transaction i was made aware that website was fraudulent i contacted cashapp to stop process and payment to fraudulent websit i was rudely hung up on XXXX different times when explaining to cashapp reps the situation i was denied to speak with any supervisor as well as any cooperation cont info they basically told me o well let the scammers scam even tho me as a customer of theirs are telling them to not allow this transaction they are indifferent to assisting me in any way i also know firsthand they have the authority to cancel transactions as i have been a member of cashapp for a while and iv had one previous similar experience a few months ago where they stopped an transaction and reimbursed my money
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/ I called Chase to inquire about a transaction fee. They said it was for a cash advance. I was unaware that I had done a cash advance. They said that the cash advance would be charged a daily interest rate, I asked if I could pay it off today stop the accrual of interest. They said the interest would continue to accrue daily until the statement closed. They transfered me to a supervisor. That person said the same thing and said there was nothing I could do to stop the interest. I said that seemed predatory and she said please hold and without explanation or pause put me on hold. I was on hold for over an hour and no one came back. I called from another phone and spoke with another supervisor. He told me that the first person was partly incorrect and that if I paid the minimum balance, plus the cash advance amount plus the fee i could stop the interest. ( because for some reason the fee is also charged interest?? ) But he said that when the interest amount gets posted on my next statement that is also charged interest. and then that amount would be charged interst and so on. That seems extremely predatory. There were two transactions. One for {$20.00} and one for {$100.00}, each with their own {$10.00} fee. The perpetual interest on such a small transaction is predatory regardless of which representative was right. Its unconsconsounable. 

As a customer service complaint, I was still on hold with the original call when I finally get off the phone with the second representative. On hold for well over an hour with no human coming back to even say they were looking into something. I asked the second represenatative if he could look into his system and tell me the name of the person I was speaking to and put me on hold. He said he could not do that. I find it extremly hard to believe that they can't see who put notes into a persons account in their system.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NE)

Approx. XXXX of XXXX  JPMCB called me and told me that I had a credit card that had an overdue balance. At the time of which they called me I told them that I don't have one of their credit cards and still don't have one of their credit cards. They said it was me until I told them that I wanted proof that I signed up for the card and I hadn't heard from them since. Until Late XXXX of XXXX  I recieved an e-mail telling me that JPMCB had put this back on my credit report. I disputed it through XXXX twice and I can't even call JPMCB because when I do their automated phone messages ask for the last 4 digits of the credit card ... .PRETTY HARD WHEN I DON '' T HAVE THE CARD!!!! I can't even contact them about removing it off of my credit. Nobody wants to help me combat the high priority corporate businesses that can ruin your credit in a heartbeat especially when this isn't mine!!! I pay all of my bills including the credit cards that I have and ON TIME! Look through my credit history! I will be contacting a lawyer if this doesn't get off my credit report! They have no business putting these things on someones credit report unless they can prove it is mine, and they have no proof that it is mine. I want to see when and where this card was used and by who's signature and/or computer, telephone, tablet, etc!!!
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (CA)

Apparently Synchrony Bank is now handling Paypal Credit, a company whose services I have used without a problem for years until recently. They seem to think I joined this year, when in fact I've used Paypal Credit for a number of years now. 
When I try to pay the bill for the account and go to the Paypal Credit website, strangely I can not find any account information, like how much I owe or when it is due much less how to pay at all! There is simply no link, though they claim by going to " wallet '' that I can do just that. I find nothing useful at all. I have used credit cards and paid bills for decades and this is the very worst I have ever seen. 
I have looked and searched and found no useful information and can not imagine why a company like this would create such a useless website with no provision to pay a bill. Of course when I try to call, the automatic recording informs me that " wait times may be longer than usual due to greater than usual call volumes ''. Perhaps they need to hire someone to answer the phone. This is not my problem and I have lost any patience I ever had with a bank that essentially is dysfunctional to the max! 
In good faith I have tried countless times, I have called and spoken to someone who told me to do what I just described, which does not work. Beyond that, just how intuitive is a link saying " wallet '' in terms of " pay your bill '' Does not work for me and even if I try, it still does not work because there is no provision for providing me an amount due, a due date or any other provisions normally found on a credit card statement.

Furthermore, for all my good will ( which is now expired ) attempts to deal with this of course there are, as far as they're concerned, going to be late fees, which I refuse to be responsible for due to their negligence in providing an appropriate means to pay the damned bill.
Consumer complaint received 2023-01-23
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: CLGF Holdco 1, LLC (NV)

1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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.
Consumer complaint received 2023-08-10
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. (MD)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MO)

Over a year ago I requested, in writing the Midland Credit Management no contact me via telephone and only contact me in writing. I made a payment arrangement with them for 2 monthly payments each month and had automatic payment put on it. After 8 months, I had to change my debit card because it was compromised and I immediately contacted XXXX via the payment portal, updated my payment method with the new card and then wrote them as well and asked to have the account updated for ALL the payments ( to use the new card ). I received a email confirmation that this had been done. Around the end of XXXX I started getting phone calls from XXXX on my voicemail. This directly violated the request FCRA request to cease contact via telephone for me. They continued to contact me every other day until XX/XX/22 when I called them to see what they wanted. I was told my plan had been cancelled and that I was delinquent in my payments. I was shocked needless to say. During the call I arranged to enter the same payment arrangement ( XXXX XXXX x a month ), and provided the new debit card AGAIN, specifying that all the payments should be made to that card. He informed me that I would be charged that day, which my bank account verifies I was. I thought things were fine. Then I started to get calls from them again, again violating the request that I'd made and when I went onto the website recently I specifically checked only contact me in writing. I recieved today account summary stating that I still owe for the XX/XX/22 payment, which was supposed to have gone through on XXXX! I told the company to only contact me through email or postal mail. 

I am filing this complaint because they have violated my written request to stop calling me.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' Chase bank is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' Chase Bank the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or Chase Bank whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. Chase Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State 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. 15 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Consumer complaint received 2018-11-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (MI)

SUBMITTED APPLICATION FOR A FORD VEHICLE THROUGH FORD CREDIT FOR A LEASE OF A VEHICLE.

THE MONTHLY AMOUNT OF THE VEHICLE WOULD BE LESS THAN {$300.00} AND MONTHLY GROSS INCOME IS {$2000.00} SUBMITTED ON XX/XX/XXXX ( BLACK FRIDAY ) AND ONCE PRIOR TO THIS DATE.

FORD CREDIT DENIED FORD CREDIT FOR A LEASE, REFUSED THE BASIS FOR THE CREDIT DENIAL THEN GAVE VAGUE ANSWERS AS TO THE DENIAL.

DENIED THE OPPORTUNITY TO SPEAK WITH FORD CREDIT AS TO THE DENIAL AND THE DECISION AND WAS ONLY TOLD BY A DEALERSHIP EMPLOYEE THAT A COMPUTER HAD THE LISTED CRITERIA UNDER MY NAME ; ( NONE OF WHICH WERE TRUE ) AS : 1. JUST A SHOPPER ; 2. A LARGE AMOUNT OF REVOLVING CREDIT CARDS ; 3. PENALIZED FOR NOT BEING A VEHICLE OWNER, 4. AND NO FURTHER INFORMATION WAS PROVIDED AND THE REQUEST FOR WRITTEN DOCUMENTATION OF THE DENIAL AND REASONS FOR DENIAL WERE DENIED. ( AMONG OTHER NEGATIVE TREATMENT ).

5. DESPITE THE FACT THAT A PRE-approvAL by XXXX XXXX for same priced vehicle, WAS PROVIDED BY XXXX XXXX BASED ON THE SAME CREDIT AND FICO SCORE FROM CREDIT PULLED ONE WEEK PRIOR ON XX/XX/2018.

TOLD THAT FORD CREDIT WILL DENY CREDIT NO MATTER WHERE AN APPLICATION FOR A VEHICLE OF ANY KIND IS SUBMITTED BY FORD AND THAT THE OPTION TO GO TO ANY OTHER FORD DEALERSHIP WAS COMPLETELY LOST BECAUSE THEY ALL ARE GOING TO DENY ANY LEASE OR PURCHASE AND THAT NO OTHER DEALERSHIP WILL ASSIST WITH ANY VEHICLE WHATSOEVER.

FORD CREDIT REFUSED TO FACTORED IN THE FACT THAT APPLICANT IS A HOME OWNER WITH A HOME PAID OFF WITH A VALUE OF OVER {$60000.00} ; A XXXX YEAR CREDIT HISTORY OF CREDIT CARDS ( XXXX CREDIT CARDS AND PAID TIMELY EVERY MONTH ) AND A XXXX YEAR EMPLOYMENT HISTORY.

THIS WAS A CLEAR CASE OF A BIAS, arbitrary, capricious, EGREGIOUS, UNFAIR AND DISCRIMINATORY SALES AND SERVICES, DECISION, ACT AND PRACTICE ON THE BASIS OF CREDIT ; THE COST OF THE VEHICLE AND AGE under XXXX years old, and AS a first time Lease or PURCHASE REQUESTED RESOLUTION : APPROVAL FOR A LEASE OF THE SAME TYPE OF VEHICLE, WELL BELOW THE $ XXXX MONTHLY PAYMENT FOR A MINIMUM OF XXXX YEARS/XXXX MONTHS REVERSAL OF CREDIT BEING PULLED MULTIPLE TIMES AND SUBMITTED TO FORD FOR A LEASE.

FURTHER, OFFERS TO PURCHASE THE SAME VEHICLE AND THE TERMS OF EACH and the monthly payments for each offer.

1. DIRECT VERBAL COMMUNICATION WITH FORD CREDIT WITH FAMILY AND SELF AS TO why there is a penalty for 1st time lease OR purchase 2. VERBAL COMMUNICATION DIRECTLY WITH FORD CREDIT WITH REASONS FOR DENIAL.

3. DOCUMENTATION OF THE DENIAL TO BE PICKED UP IN PERSON DIRECTLY FROM THE DEALERSHIP WHERE THE DENIAL OCCURRED 4. WHY NO OTHER OFFERS OF ANY KIND WERE EXTENDED, OFFERED OR FOR ANY VEHICLE at all 5. DOCUMENTED OFFERS FOR PURCHASE OF A SAME VEHICLE AND OVERSIGHT OF ALL
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (TX)

I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.
Consumer complaint received 2020-10-10
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: MoneyLion Inc. (TX)

XXXX  is continuing to report a Credit Builder Plus loan XXXX loan with Moneylion Inc as two payments past due. This loan has never been past due. MONEYLION IS ON VIOLATION OF FCRA and UDAAP. 
Moneylion is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.