davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. XXXX XXXX XXXX.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (CA)

The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. 
In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. 

The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. 

I do not know who this company is. 

This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CO)

The company has locked my account and refuses to unlock it. It has been about three days They are so understaffed that they are not answering the phone for the loss prevention department. I have been on the phone for over an hour. No one else can help me at the other phone lines. 

The bank is virtual so the only option is over the phone. 

I have no access to my money and my homelessness situation has become even worse because of this delay. I could die because of the delay.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

Ally Financial is reporting error that the final vehicle payment was over 30 days late. I did not own the vehicle and was under contract with the XXXX XXXX XXXX XXXX XXXX Florida and XXXX XXXX XXXX XXXX for the vehicle I purchased in late XXXX of 2019. 

I attempted on numerous occasions to compel XXXX XXXX to make the payment timely and could not afford to make the new payment in addition to the payment the were obligated to make to pay off the loan on the vehicle. I advised Ally Financial of the situation, yet they are reporting the negative information to all three credit bureaus and has thus far taken no responsibility to accurately report the information, which should be reported against XXXX XXXX XXXX XXXX XXXX, Fl given their contractual obligations to pay off the loan on a vehicle they owned.
Consumer complaint received 2024-10-21
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. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Agency I am writing to formally dispute the account reported on my credit file, associated with account number XXXX. After careful review, I have identified several inaccuracies regarding this account that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). As these sections state, all information on my credit report must be accurate across all three credit reporting agencies. Unfortunately, the reported information concerning this account fails to meet that standard. Despite my previous efforts to resolve these discrepancies, your agency has continued to verify and update the account without correcting the inaccuracies. I must inform you that if these inaccuracies are not rectified within the next 30-45 days, I will be forced to pursue legal action for damages of {$1000.00} for each erroneous entry reported on my credit file. Furthermore, I am referencing a letter you previously sent, in which you confirmed that this account was no longer being reported to the three major credit bureaus. Despite this, I have confirmed that the account is still being reported on my Experian credit report, which is both confusing and distressing. Given that this account has already been removed from the other bureaus due to consumer rights violations, I demand the immediate and total removal of this account from all credit reports, including Experian. Please consider this matter urgent. I expect a prompt response and confirmation of the deletion of this account from my credit reports. Failure to address this will result in further action. Thank you for your attention to this serious issue. I look forward to your swift response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

Over 7 years my credit balance with American express has been showing that it is {$15000.00} which is incorrect. I have contacted American express in regards to this issue numerous times in the past 7 years. Unfortunately American express never took care of it, at times when I called XXXX they provided me with incorrect information that they have been updating my credit report to the bureaus and it is the credit bureau 's fault that my credit report is not been updated. This is false information, American express has the worst customer service ever. 

I contacted the credit bureaus as well numerous times, and they kept informing me that the information they have is been reported by American express and it can not be updated not until the credit card company ( XXXX  ) send them a new update. American express has been giving me the run around in regards to this matter for several years. 

This is ruining my life, Among other things, I have been denied rental and employment due to this matter.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc. (NY)

Today I found out a company called Carmel Financial Corp but a lien on my home for a water system that was sold to them from XXXX XXXX. XXXX was files XX/XX/year>. I was never told that my home would in danger of being taken if debt was not paid by XXXX XXXX or company that came to my home. Contract was not explained to me correctly. On XX/XX/year>, they filed lien and never sent me paperwork. I was not able to even fight.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

This account has been falsely verified as accurate by XXXX XXXX and JPMCB Auto after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

Someone had fraudulently opened a personal loan in my name at XXXX XXXX, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX, XXXX and Equifax. XXXX XXXX had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a  recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from XXXX XXXX. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (TX)

I work as a XXXX XXXX  and I answered work phone at XXXXXXXX XXXX. I answered XXXX XXXX XXXX XXXX XXXX  office, how may I help you. I never said my name and he said " Good Morning XXXX, this is XXXX XXXX and proceeds to say my dob and I had never acknowledged it was me at any time and he proceeds to say he is calling from Midland Credit Management ( MCM ). First of all my employer doesn't allow any type of personal calls much less debit collectors as we are a XXXX XXXX XXXX XXXX. Second of all, I feel very violated and humiliated to be called at my work. I am not the only person that answers the phone so it is a breach of my confidentiality to go at it with my dob and what the call is about without any acknowledgment like I mentioned. This could have been any of my other coworkers answering the call and to me this is a huge violation.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-03-17
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX, XXXX
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On Wednesday XX/XX/2023, I received two phone calls from XXXX which I first XXXX  before answering. This phone number belongs to the Chase Branch located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I have screenshots of the incoming calls as well as XXXX  page that shows this number belongs to this branch. I only answered the call due to thinking it would be a Chase representative. A woman representing the organization proceeded to tell me that they were alerted regarding some fraudulent activity on my account. How would I have known to think any different when NOTHING like this has ever happened to me, coupled with the fact that the phone number proved to be a legit branch of Chases? She proceeded to tell me that she would need to shut my debit card off and asked me to write down a new temporary PIN that she would be issuing to me, at which time I did. She stated that Chase would be expediting my new card in the mail ( 2-5 business days ) and when I received it I would need to go to an ATM and upon inserting the card would be prompted to create a new permanent PIN number and that for security reasons I could never use my existing PIN again and requested I give her my PIN to enter into Chases system to ensure it couldnt be used in the future. Without knowing, my information had already been compromised. She had my full debit card number ( without me telling her this ), name and phone number which I can not figure out how this happened. She knew she only needed to coerce my PIN out of me to steal from me, which she successfully did. She knew what to say, when to say and how to say it to get me to believe her. My card was then manually entered into someone elses phones XXXX XXXX and a man went to 2 local branches and withdrew {$4400.00} in cash from my account over 3 days. Chase bank did not try to contact me once regarding my account activity. Being a customer of over 17 years, you'd think they'd realize that proven my history I've never done such a thing. I didnt think to check my bank account any sooner as I was completely under the impression that my card was shut off. They conveniently withdrew amounts under my alert setting, which was anything greater than {$120.00}, so I wouldnt be notified about these ATM withdrawals. I have filed a police report, filed a XXXX  complaint, contacted my local news help line and put a fraud alert on my identity with all credit bureaus. We are only human, we make mistakes. Chase needs to show some support to their long-time loyal customers.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had my phone and wallet stolen and numerous of my online account compromised, after going to a branch to withdraw money I learned my account had been wiped out via XXXX  deposits totaling XXXX. I filed a police report and a dispute with my bank on XX/XX/XXXX. The representative told me id have my money back in XXXX business days. I havent gotten a new card no credit or any contact regarding this matter.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX  TX - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF EDXXXX - Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.