davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX 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. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TN)

The story is my boyfriend got a trouble and would like to borrow $ XXXX from me. I have enough money in my Chase Bank account and I can support him to get through this hard time. Because there is no Chase branch around me, and I am afraid of emailing a signed check to him would not be safe, finally I decided to use wire transfer from my Chase account to his Chase account, a domestic transfer. I checked the transfer info several times to make sure that everything is correct before I scheduled the first transfer on XX/XX/2024. Since it was Saturday, and I was told the transfer would start on XX/XX/2024. On XX/XX/2024, I received an email from Chase saying that the transfer was cancelled and my account was locked. I called Chase and they told me they need some info from me to verify this transfer. The verification was definitely successful and they told I can do another wire transfer in half of an hour to one hour later. Then I scheduled the second wire transfer after maybe 3 hours after the call, still on XX/XX/2024, again it was cancelled and my account was blocked. I called Chase, did the verification, and then scheduled the third wire transfer again, the same cancellation happened. The agent told me to do another transfer on XX/XX/2024. Then on XX/XX/2024, before I did the fourth wire transfer, I called Chase and to told them that I would like to do a $ XXXX wire transfer to my boyfriend to support his hard time, and they told me I was good to go. Cancellation and account lock happened again. Anyway, I tried five times to transfer the money and all were rejected, even though I told them this is not fraud, and I did need to transfer the money to my boyfriend. Finally I called Chase again and asked how can I do the wire transfer successfully, the last agent did another more accurate identification verification for me, and after this successful verification, he told me I should go to a branch. The issue is there is no branch within hundreds of miles around me. I have never done a wire transfer, including in and out, all my incomings are clear just from salaries and interest. I am not sure whether they will close my account later because of the five times rejection, but anyway, I spent two whole days just on calling Chase and trying to solve this issue but just got endless rejection and lock. I was really really really uncomfortable with this service.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against Experian, one of the major credit reporting agencies, regarding the handling of my disputes concerning negative information on my credit report. I have recently encountered issues with Experian 's response to my dispute letters, and their assertion that the letters " do not appear to have been sent directly by me or authorized by me '' is both inaccurate and deeply concerning.I submitted dispute letters to Experian on XX/XX/2024 disputing certain negative information on my credit report. However, Experian 's response, as conveyed in their communication claims that my dispute letters either did not come directly from me or were not authorized by me. This assertion is complicated and distressing, as I can confirm that I personally submitted these dispute letters, and they were authorized by me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like Experian, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my school wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page 10, it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank in XXXX, Florida. Several times changed information on my account told me they didnt, but I know that they have cameras I came in there to change my information to my XXXX XXXX because I was getting identity theft at my current property. My mail was not being delivered but somehow during that time of changing my address, they closed my account sent me a check for the money that was in my account. I had that account for over year and they didnt give me any reason why they closed it, and when they printed out the information that I asked for they couldnt show me the behind-the-scenes information on the account like changing the address and changing the phone number because they closed my account by a phone call that didnt come from my cell phone number, so they allowed anyone to close my account. They wont reopen my account, they canceled several wires that I tried to do for no reason declined it.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (NV)

I allowed a family member to use my information inquire on a car loan. After the inquiry, I told the family member and the Kia Finance loan officer the interest rate and monthly payments were too high and probably unaffordable for her. The family member and Kia Finance still continued to use my information to process the loan. Kia Finance has also caused repeated and double digit decreases to my credit ratings. On XX/XX/XXXX, Kia Finance caused XXXX inquiries to be placed on my credit reports. Kia Finance failed to warn me in advance of these numerous, unwanted and credit destroying inquiries. I have repeatedly asked Kia Finance to remove my name from this account and to remove this account from my credit reports. Kia Finance refuses to remove my name from this account or to remove this account from my credit reports. 

I have never and would never use a finance company for my auto loans. I would never accept a {$620.00} per month payment or an XXXX percent interest rate for a car or any other loan. I only use my banks for my loans. My family member was lured into this predatory loan. Kia Finance knew she was unable to make these payments but still provided her this loan. Additionally, Kia Finance has horrible review and I would never use Kia Finance for an auto loan. My family member is now in default on this loan and owes nearly {$2000.00}. On XX/XX/XXXX, Kia Finance caused my credit score to decrease by XXXX points. Then again on XX/XX/XXXX, Kia Finance caused my credit score to decrease by another XXXX  points. This is a total of XXXX points decrease of my credit score. This is not the first time Kia finance has destroyed my credit score. On XX/XX/XXXX, Kia Finance caused a XXXX point decrease to my credit rating. 

Kia Finance is a predatory and unscrupulous lender with terrible customer reviews. Kia Finance has destroyed the credit scores of many of its very own customers. Kia Finance also sent mail to my home for my relative who does not even live in my state. Kia Finance also uses ringless voicemails to harass its customers.

Kia Finance also attempted to force me into an illegal procedure to register this vehicle from another state in my state. The vehicle was purchased and insured in XXXX. Kia Finance told me I had to register the vehicle in XXXX. Kia Finance even sent registration documents to the XXXX  Department of Motor Vehicles. It would have been impossible and illegal to register this vehicle, purchased and insured in XXXX  in XXXX. Furthermore, the State of XXXX  requires an emissions test. It would have been impossible to obtain an emissions test on this vehicle located in XXXX  for a XXXX  emissions test. Even if possible, it would have needlessly cost me XXXX  of dollars to register the vehicle in XXXX. This vehicle was purchased by and for my relative in XXXX, not me.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I made a 2 dispute with Chase on my sapphire reserve credit card. 

First dispute was when a contractor stole my card and used it multiple times for roughly {$7500.00}. I offered to get a police report but was told I didnt need one. Later they denied my fraud claim and said I would need to get a police report. I got one and resubmitted. They just denied my claim again even though there is a police report stating what happened. Now they are demanding I pay interest and the cost of the items when it was fraud.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Please consider this as my formal complaint to the EQUIFAX for allowing the unauthorized inquiries and for not taking corrections which are now damaging my credit reputation. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXXThey allowed the non-permissible inquiries to be reported in my credit file without proper notification. As I checked my credit report these inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally. I was a victim of the Equifax data breach. I want these items Deleted from my credit reports, elective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I am writing to contest the presence of this bankruptcy on my credit report. The dates of filing, reporting, and closure do not align. This is troubling since I possess a court letter clearly stating that this bankruptcy should not be reported. Additionally, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

My Unsubsidized and Subsidized loans originated in XXXX of XXXX ( a  consolidation of my XXXX studies at XXXX College in MA and the XXXX XXXX XXXX in XXXX XXXX ). Since then I have been paying them back without default or forbearance. In XXXX of XXXX, I began working for the XXXX XXXX XXXX as a XXXX XXXX employee. Within that year, I called XXXX inquiring about the public service loan forgiveness process having heard about it on the news. I was told that I did not qualify. Fast forward about eight years I again called XXXX to inquire, this time having heard about the program from my XXXX ( XXXX XXXX ). During this second inquiry, I was told that my public service did qualify but my service and payments for the past eight plus years didn't count since I wasn't on an Income-Driven Repayment Plan. When I asked for monthly payment quotes for the income-driven repayment plan, thinking I would still try to take advantage of it given I have about 25 years more of work and over 20K in student loan debt, the quote they gave me was astronomically high. They then offered me a graduated plan which is unrelated to PSLF ; I am on this graduated plan now as it seems to be my only choice. I believe I was intentionally lied to in XXXX ( and possibly two years ago when I called a second time ). If XXXX had given me the correct information in XXXX, my loan would have been forgiven in XXXX of this year. I have over {$20000.00} left on my loan and without it being forgiven I will be paying it back until XXXX. What happened to me was not right and I'm sure I'm not the only person this happened to. I appreciated you taking the time to hear my story and I look forward to your response. Take care.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Fraudulent & unauthorized inquires are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX according to 15 U.S.C 1681 law there should not be any damages on my credit report, it is defamation of my Character. 

Fraudulent account listed on credit report : XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX have no knowledge about any of the items listed above and these should be removed immediately. I am in the process of trying to buy a home and noticed these negative items on my credit report. In contrast I filed an identity theft report and it is attached.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX  number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax is not following the laws!!! A fraudulent account was opened an is now in collecting a company called XXXX XXXX for XXXX XXXX XXXX XXXX says I opens a account in XX/XX/2023!! I have enclosed my FTC report to equifax this is not my account I have no knowledge of this fraud account and would like for them to remove this from my account!! Please verify the address and the signed agreement so I can go after these criminals
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcy should report actual courthouse name, filed date and docket number. 

Information are inaccurate, it is reporting inaccurate reference number, Closing date & Courthouse name.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

15 USC 1681 section 604 a 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. '' Web XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 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 2023-06-21
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: United Collection Bureau, Inc. (TX)

This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (IN)

I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for NATLCRSYS XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

I have attached a screenshot of the reporting for the NATLCRSYS XXXXXXXX  and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.