davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (DE)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX This agency is in violation of 15 USC 1692g.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (FL)

I am receiving calls from a " process server '' at ( XXXX ) XXXX wanting to verify information to serve papers regarding a pending law suit. I was directed to call ( XXXX ) XXXX with a case # XXXX. I spoke with a gentleman that claimed a law suit was being filed against me by TD Bank regarding a XXXX XXXX XXXX account that was opened in XXXX. He stated the law firms name is XXXX, XXXX, XXXX XXXX. The account they are referring to subsequently went into collections and was settled/paid in XXXX. However, they are claiming that I'm being sued for breach of contract, and that I owe {$3200.00}. After asking multiple questions including which county the suit was being filled, they refused to give me any additional information, and told me to stop calling back.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against Experian and XXXX for their failure to accurately report information related to my account with XXXXXXXX XXXX XXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : Experian reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails to provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while Experian incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and Experian, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC (NY)

I currently working with Total Mortgage regarding my loan modification due to COVID-19. I gave them all necessary documentation and was told my payment would be lowered by {$200.00} from {$3300.00} to {$3100.00} dollars. When filling out the documentation, I requested my payments to be returned to the original amount of the refinance contract of {$2800.00} that had been increased because of the misinformed representative that told me not to pay my equity while XXXX XXXX XXXX XXXX XXXX XXXX 2020. In addition, while my account was on forbearance they informed the 3 credit bureaus that I had a month of late payment which gave me a negative rating. I requested it to be removed being that by law its not supposed to show any negative remarks while on forbearance.
Consumer complaint received 2023-04-19
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. (NY)

I previously notified Equifax that I am a victim of identity theft. In return Equifax said that they verified fraudulent accounts on on my credit report. Im would like to know how is that the fraudulent accounts were verified, when and what date. these accounts should not be on my credit report because I did not open or give permission for them to be open
Consumer complaint received 2023-04-19
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-20
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: JPMORGAN CHASE & CO. (NY)

In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXXXXXX # XXXX, Account : XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, Account ; XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : Jpmcb # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, XXXX  # 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi. I had an identity theft on a Bank of America credit card. It was reported to them and they investigated. I received a letter in the mail saying I was not responsible for this debt and Bank of America would notify the credit bureaus. They also dont need a new card with a new credit card number obviously. Now, a few months later they are calling me saying I owe the debt and its back reporting on my credit reports. What is wrong with Bank of America and why do they use these sleazy illegal tactics. This needs to be removed
Consumer complaint received 2015-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (FL)

Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.
Consumer complaint received 2023-04-21
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: Conduent Incorporated (OK)

On XX/XX/2023, I received an email from Way2Go stating that my bank transfer had been successful. The email stated " Your request to transfer {$240.00} from your Way2Go Card to your bank account was successful. For more information or to request a new transfer, please dial the phone number on the back of your card. Please note a fee may apply. '' I did not authorize for {$240.00} to be transferred to my bank account. I quickly checked my bank statement online and noticed that {$240.00} had been transferred to XXXX with the transaction code XXXX. I was also charged a {$1.00} transfer fee. I do not know what XXXX is so I XXXX it to see if I could find a contact number for them, but I could just tell that they have prepaid cards. I had not made any funds transfers prior to XX/XX/2023. I have automatic transfer set up now to my XXXX XXXX XXXX XXXX bank account because I do not want my money stolen again. 
I called Way2Go on XX/XX/2023 at around XXXX XXXX to report the fraudulent charge and to cancel my card and request a new card. I was told that my card was cancelled and that I would get a new card in the mail. I also spoke with someone in the fraud department and explained everything that happened and she said that I would be receiving a form to fill out and mail back to them explaining the fraud. They said that I would have 14 days to return the paperwork. I received the form in the mail on XXXX XXXX, but the form was dated XX/XX/2023. I filled out the form and mailed it back on the same day I received it in the mail, XX/XX/2023. Up until today, XX/XX/2023, I had not heard anything back from them. I called the fraud department today to get an update on my fraud claim. I spoke to someone that told me that my claim was closed and that no fraud had been detected. He said that I was mailed a letter on XX/XX/2023, but I did not receive a letter or any communication from them after I mailed the fraud form on XX/XX/2023. I explained to the person on the phone that I did not authorize the transaction and asked what steps were taken to determine that the charge was not fraudulent. The person just told me that all I could do was fill out a police report and that they might be able to appeal the decision. I will file a police report and send it to Way2Go, but I should not have to do this. I am not sure that they even investigated my claim. I will take them to court if the {$240.00} that was stolen from me is not put back into my account and my claim is not investigated to the full extent.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I financed a used XXXX XXXXXXXX truck. Had it for one month and the ac compressor went out, right when summer hit. I found out I was XXXX and was hit by a truck running the red light. Was in the process of getting the truck repaired and they offered no help or lead way with pausing payment until the vehicle was running again. I cant make the payments and pay a {$400.00} car note at the same time. They reproed the vehicle and then told me I would have to pay to get my belongings out the car mind you Im XXXX XXXX XXXX and had my kids clothes and things I couldnt get out. They sold the truck for way less than what they were making me pay and are now trying to force me to pay them XXXX and I didnt even have the truck for a year. I feel as though they preyed upon my vulnerability being XXXX and needing a vehicle to get back and forth to doctor appointments. I had my son early due to all the stress they caused and lost a very important job.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Yes my name is XXXX XXXX XXXX in present date today is XX/XX/2023 I called Experian today at XXXX XXXX  and spoke with XXXX Representatives from different departments dispute Department and membership Department each kept throwing me back and forth saying it is the responsibility of the other department finally I got upset and told them I would report them there's some misinformation on my credit report that is not being shown they have my credit card usage at {$9200.00} of credit I have over XXXX worth of credit that's not being reported not as dead but as credit I could charge up I asked them to resolve this but they kept throwing me from person to person and not giving me a supervisor when I requested for a supervisor so finally I gave up and told him I would be reporting them now the information on my credit report should show that I have {$24000.00} of credit well they're only reporting XXXX
Consumer complaint received 2023-04-19
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. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (VA)

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 has violated my rights. Or a list of inquiries : 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 an 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 or 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 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (TX)

To whom this may concern, I am writing this letter because I have tried numerous times to resolve the issue of late payments during hardship that were reported on my credit report. XXXX was called and verbally told that I was unable to pay the credit card debt at the time because I lost my job due to Hurricane Harvey. I was unable to work. They continued to ask if I had a family member or someone who could help me pay, but I did not. At the time, I did not even have a place to live or a car anymore. I am not only taking care of myself but XXXX young children as well. I was also in XXXX at the time. The first representative I spoke to over the phone, who was female, was very nice and understanding. The second representative, that was a man, was very rude. He was disrespectful especially being that I had already told him and the lady before him everything I could. I told them both that I would be able to make a payment by XX/XX/XXXX. He began to get personal and ask me what would change between the time of his call and XX/XX/XXXX. He even asked where I would get this money from. I tried to explain my situation the best I could, but when he raised his voice, I had to hang up the phone. With all that being said, I stayed true to that promise. I was able to make a payment on XX/XX/XXXX and by XX/XX/XXXX, the debt was completely paid off. These representatives did not note my account of me being in a hardship or even provide other options of other routes ( lower monthly payments, lower interest rate, etc. ) to work out an agreement to save my account or protect my credit. Not only was my account closed, but I also had to pay late payments between XX/XX/XXXX and XX/XX/XXXX. 
For the last two months, I have been sending letters and emails in hopes of having these late payments during the dates of XX/XX/XXXX and XX/XX/XXXX removed from all three credit reports. The account is now closed and paid off. I have only received one letter back stating that they could not dispute accurate information, however, this information is not accurate. I do not believe they have done the proper investigation with my account being that I let XXXX know I was unable to pay due to loss of job and home because of Hurricane Harvey. I have attached bill statements to correspond with my promise to pay by XX/XX/XXXX as well as the letters/emails sent for the request of late payment removals. Dates are included on letters. All personal information is blacked out due to privacy.
Consumer complaint received 2018-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

There was a lien/freeze put on my checking account by the XXXX District Attorneys office. They called Chase legal department about 10-14 days to have the lien released. This past Monday I called Chase legal dept and was told the issue would be expedited and lien would be released within 24-48 hours. Today is Friday and the lien is still on the account - I spoke with the XXXX DA office and they spoke with chase legal dept about 2 hours and were told that they are working on it. 
My funds are being held illegally at this point.