davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
Account name : XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account XXXX : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.
Consumer complaint received 2023-12-31
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: CLGF Holdco 1, LLC (IL)

I'm filing this complaint against concora credit for not resolving my unauthorized charges on my account I have a milestone credit card and I have informed them that two previous cards on my account that I was supposed to have received in the mail I never had access to them and they were stolen and activated with my information from the mail I have reported that my mail was stolen to concora and that the credit cards were not activated by me and they got my information from the mail concora Since then has not given me any type of credit for all of the charges I have reported to them as unauthorized below I have is the charges and cards ending in them that were used without my consent
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CO)

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Crypto.com about the lack of care and safety measures on my account, which resulted in substantial losses. 

Please see the attached PDF file containing all relevant documents and evidence.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Hi, This is XXXX XXXX card act # - XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and have stellar credit, scoring in the XXXX range ( with the XXXX major bureaus ) This XXXX I applied for two chase cards and got instantly approved. I used the cards throughout the XXXX paid my bills on time, and early.However I was shocked when approximately 4 months after opening my account Chase bank notified me that my accounts were being closed, the reason they provided was " due to previous accounts with chase ''. 

About 8 years ago I had XXXX credit cards from chase which were all one day terminated due to " system generated closure '' at the time I attempted to get any more information I can from chase but no matter who I spoke to and sent letters to, no information was made available to me, other than " the account were closed due to a system generated closure '' I was very upset, as I had relationships with other banks, and hadn't had any issues with any other banks, and here I was not being given any tangible info, or any recourse to have it reviewed. 

So now when I got closed from chase a second time, for the same reason as the first I was really preturbed, as I have around XXXX credit card accounts with a few different banks, none of my accounts were ever paid late in my lifetime, I have a stellar record and rating, and I'm just being stonewalled by everyone at Chase Bank. I even went for review at chase 's executive branch and they claimed as well, that they have no information other than I was closed due to pervious account closure, and when they attempt to find the reason for the previous account 's closure they come up empty. 
I'm being persecuted and taken advantage of here, this is aggravating, and humiliating, and I demand to be reinstated and have my accounts be returned to their good standing, unless there's a valid reason for me not being able to have a credit account with Chase bank, of which I deserve to know, as I believe I'm being racially targeted here. I only wish a good resolution, I trust you will help me achieve one. 
Looking forward to an expeditious resolution, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX 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.

15U.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. 

These inaccuracies are stopping me from getting a house for my family.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (FL)

On XX/XX/XXXX, I received a notification that tLockhart, Morris & Montgomery , LLC was trying to collect a debt of {$100.00} on an account from XXXX. I returned the notification with a dispute of charges the same day. I received a call from this company a week later and advised that I had submitted a written dispute of chArges. I was told it was my account and I needed to pay it. She could provide me with a copy of the bill. I told her to mail it to me. I have heard nothing from this company until Monday XX/XX/XXXX, when I received a notification that this company had placed a collections on my credit report. I disputed the collections account on with XXXX. On XX/XX/XXXX, I received a letter from the collections company dated XX/XX/XXXX stating they were not able to confirm this as my debt and would be closing the file. However it was sent as a reported collections during a dispute and after the collection agency confirmed they could not confirm this as my debt. Under the fair credit reporting they are not supposed to report a collection account until the dispute is completed. I have contacted the collection agency and advised them of my rights. They have said they will put a rush on the removal from my credit reporting within XXXX hours. This is an unacceptable practice and the company should be held responsible for their actions.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This letter is to inform you of deceptive business practices and the lack of disclosure of Capital One credit card services. 
In XXXX of XXXX my daughter had been involved in a horrific car accident and my life fell into a spiral. At that time, I fell behind in my credit card payments. 
In XXXX of XXXX, I began catching up with my life and I entered a payment plan with Capital One to catch up my credit card payments. I was to pay {$100.00} to get my account back into good standings. I made the first payment XXXX XXXX XXXX 
When I made the second payment in XX/XX/XXXX, I contacted card holder services to ask why my card was not working still and I was informed that when I made the third consecutive payments my card would be unrestricted and if I needed to make my payments on the XXXX of the month as well as I had never received any disclosures or information on the plan I entered into on XX/XX/XXXX. I was informed that all I needed to make was the {$100.00} payment on the payment plan. I was never advised that the payments I was making would not go towards the three consecutive payments. 
I was informed today when I called in XXXX that I was enrolled in another plan to take off the restrictions to my account and that the disclosures were read to me. This may be true that the disclosure was read to me, BUT I was NOT advised this was a different plan to take off the restrictions. I was advised that once I completed my monthly payment plan, I would be unrestricted as my account would be current. How was I to know there were two different plans I was enrolled in when I was never provided disclosures? I was not provided by email, in my online account, or via USPS. 
I paid both my second and third payment and to my dismay my card is still restricted. I made a call to Capital One this morning and was advised that I needed to make three ADDITIONAL consecutive payments to get my card to an unrestricted. Again, how am I to know there are two different plans I was enrolled in if I had not been provided any disclosures. 
Not only is my card still restricted, but they have not been applying my payments to my monthly payments and have been reporting me to the collection bureaus as late. This is unacceptable since I was informed that the payments I was making would go towards my monthly payments. This needs to be addressed as well. 
I feel the lack of training of the customer service agents and a defective system for providing disclosures have compounded these issues. Disclosures are absolutely necessary in any financial transaction, including credit card transactions. I would appreciate if you could kindly investigate these issues so that no other consumer has to spend several hours banging their heads against the wall trying to figure out what is going on and having their credit damaged because the customer service agent is ill informed.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (IL)

CHIME HAS CLOSED MY ACCOUNT UNEXPECTEDLY MY LIFE SAVING OF XXXX $ I have rent I have kids I have bills I cant buy food cant get gas for work nothing all of my money was on chime including my work deposit and no one has given me a update about when I should receive my closure check I dont know why it was closed unexpectedly please help I really cant believe this happening
Consumer complaint received 2023-05-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (PA)

on XX/XX/XXXX i sent a billing dispute letter to the corporate legal councel for Consumer Portfolio Services because i didnt know who else to send it to. I sent this letter Certified mail so i could see when or if they got it they did get the letter on the XXXX of XXXX. But in letter i was disputing the total payment amount that they were saying was {$22.00} at the time when i got my car it was {$23000.00} Ive had the car since XX/XX/2022 according to the paper i have. I was Not refusing to pay i just wanted Verifcation of the debts and a copy of my contract because i dont have a promissory note with my packet of papers i got with the car. I know there is interest and things but for me to have payed over {$4000.00} dollars of my hard earned money and only being credited for {$640.00} is JUST FEELS LIKE IM JUST BEING ROBBED!! There was NO CLEAR AND CONSPICOUS explanation when i signed up that these people were even know there was a servicing/ or debt collector doing my account i thought i was paying XXXX XXXX XXXX XXXX And then after i sent the letter I received MULPTIPLE Calls while i was at work and NEVER recieved anything back in the form of USPS letter/ response with the things i requested. All i got back was an email saying that if i didnt pay XXXX i would be sent to loss prevention and it would be reported to credit agencies. Im just became aware that there is to be no futher charges or reporting until the dispute is resolved all that i got was This threat from Some guy who claimed to be a 30 day supervisor whatever that is. i still have the email but cant figure how to upload it
Consumer complaint received 2023-05-23
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: JPMORGAN CHASE & CO. (GA)

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with JPMorgan Chase Bank ( JPMCB ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with JPMorgan Chase Bank ( JPMCB ). This fraudulent account was reported by XXXX, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with JPMCB, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that JPMCB has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with JPMCB from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. JPMCB has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.
Consumer complaint received 2023-12-31
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-05-23
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for XXXX XXXX and Chexsystems consumer reports and state on this is in my identity theft report which I will provide a pdf for.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 168b permissible purposes of consumer reports. 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. 

NAME : 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 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 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 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. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I got a car from XXXX XXXX and only had it a few months.Its way over priced buy here pay here.I put {$1600.00} down XXXX  over 100 miles on it.I pay every two weeks to loan company.Pay extra for warranty that I can't use.My car is not running good., It's financed for over $ XXXX have been trying for months to get it in to be repaired. The two shops they use are backed up more than 15 days.My 30 day warranty ran out thst the car lot uses.So now I have to go thru finance company 's repair service. I have been trying to get someone to repair my car but no luck. I'm not behind I'm paying more than, {$400.00} every two weeks.My loan has been voided in my eyes. I am very serious about taking this to court.I ve emailed and spoke with both parties involved. I was told I can drop the car off and it will be 15 days before they can get to it.This is my transportation to and from work.Its not running good its gon na be parked.I want all my money back and my loan voided.They work together and I'm a consumer that have been treated unfairly and I don't want to have any dealings with either parties.