davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (GA)

I filed a dispute with Experian Credit Bureau in regard to incorrect information reported on my credit report from " XXXX XXXX ''. The XXXX XXXX Account was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off on a monthly basis for 5 years. After filing the dispute with Experian, they did not resolve the issue by removing the creditor from my credit report.
Consumer complaint received 2024-08-22
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)

I applied for a card with XXXXXXXX XXXX. I received a letter stating they could not access my Equifax report despite it being unlocked. I called and, without my permission, they pulled my report again. They stated that didn't work either and they still couldn't access my report, so they couldn't process the application. None of this was true as they made XXXX hard inquiries on my account without processing my application. I want these inquiries removed as XXXX operated without my permission to pull one and claimed they couldn't access my account on the other, when they obviously did.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Valon Technologies, Inc. (KS)

I recently divorced. As a condition of the decree I was ordered to have my wife quit claim a condominium we purchased and then have her name removed from any financial obligation to the property by asking the Valon Mortgage company for an assumption. I have called at least 6 times three of which I was told my issue would be " escalated '' to get an answer. In the month that has gone by since I submitted all of my phone calls, and emails to the agent responsible for my application have gone unanswered. I promptly submitted everything asked for with respect to documentation but had one person on the phone say they didn't see where I had ever submitted anything. I can't get a human being on the phone who can provide any information at all. I called again today, was told they started another " case '' and siad they would respond in XXXX to XXXX  days. They have told me that three times in a month and I still have heard nothing. I have a XXXX day deadline to have this done. They have wasted a month and I am still no closer to an answer or resolution. I have impeccable credit, very littel debt, and have been residing in, and paying for, this residence for XXXX  years. I need them to process my paperwork so I can get on with my life and not have to sell my condo to satisfy this judgement.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. XXXX XXXX. XXXX c ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MO)

I filed for XXXX XXXX  on XX/XX/year> and doing so a lady told me direct deposit is normally the most efficient and fastest way to get my money so I set it up to be deposited into my Chime checking account. It took me nearly XXXX weeks to get approved and XXXXXXXX XXXX told me that before Im able to get my check deposited they do what they call a test run to make sure that it is the correct account and that its going to be able to be pushed through. Did a weekly claim on the XXXX and then by the XXXX the XXXXXXXX XXXX had had processed my check into my Chime account, but I wasnt seeing any funds on my bank and so doing calls back-and-forth back-and-forth between my bank and XXXX  is chime is not releasing the funds, they asked for documents like my social my ID my marriage license all of that which I submitted and a week later I still havent gotten my money and all they can say is its still in processing but after a week, I dont understand why Im still not able to receive my money. I think something happened to it and theyre not being truthful or I meant I meant sure whats going on, but they refused to process my payment through to me.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (AL)

I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (GA)

I called my lender global lending services on XX/XX/XXXX of 2024 and asked for a payment deferment for the month of XXXX because of my medical bills that I had to pay and I was told that I could do a deferment and my payments would start back in XXXX. Now I am receiving late notices and credit report dings saying that I am late on my payment and they have filed it on my credit report. They also want me to pay double payments this month putting me further behind financially. I called and spoke to a regular representative, who told me that I was misinformed and that my account was not eligible for a deferment when I was told just one month prior that it was. I then asked to speak to a XXXX, who told me the same thing neither of the employees of global lending services wanted to help me out even though they both knew that one of their employees had lied to me. They told me that there was nothing they could do for me and that I had to pay both payments and take the hit on my credit report all at the expense of one of their employees negligence.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

XX/XX/XXXX - I received a fraudulent deposit from a XXXX XXXX  account holder ( FRAUDULENT EMPLOYMENT SCHEME ) XX/XX/XXXX- The funds were made available to me on Chase XX/XX/XXXX- I was asked to send {$500.00} via XXXX XX/XX/XXXX- I check with Chase whether the cheque was legitimate and they said they couldn't help me XX/XX/XXXX- I asked them to file fraud, and they didn't want to do anything until the cheque bounced XX/XX/XXXX- I checked with XXXX whether the cheque was legitimate and we confirmed it was fraudulent XX/XX/XXXX- I file fraud with Chase and they said they were gon na help me file a claim XX/XX/XXXX- The transaction goes through anyway even when I reported it early XX/XX/XXXX - Chase completely disregards my concerns, doesn't even block the account holder who scammed me and just doesn't do anything at all.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio (MO)

On XX/XX/year> Vance & Huffman was issued a Cease and Desist order. They have willfully violated that order in the form of direct mail demanding resolution of an alleged debt. 
The alleged debt is not mine. They continue to harass me over invalid claims and in direct violation of a lawful order.
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

I bought four XXXX tires for a family member who needed tires from XXXX XXXX XXXX. I was to receive a {$50.00} rebate and it arrived in the form of a XXXX. It arrived after the expired date. It expired in 2019. I called when I received it to ask for a replacement and was told basically that it was too bad and nothing could be done about it. I filed it away and today, I decided to try again and was told the same thing. This was a XXXX with the website ( printed on back of the card ) as MyPrepaidCenter.com and their phone number is XXXX. I would like the complaint sent to My Prepaid Center. This is their company website : https : //myprepaidcenter.com/home
Consumer complaint received 2024-08-11
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)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX from XXXXXXXX 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
Consumer complaint received 2024-08-07
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. (GA)

According to XXXX v XXXX XX/XX/XXXX. Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2. 15 USC 168115, 15 USC 1681eb. Delete ACCOUNT
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Today I applied for an extension of credit with Bank of America, and was denied because of a credit score with a 3rd party company ( XXXX ). I wanted to contract with Bank of America because we have a long relationship and I thought it would be easier for me to do business with them when it comes to contracting. I filled out an application for an auto loan, on the application it asked me for my income information but due to the fact that the interest is due to the principal on the account it shouldn't matter what my income or what a credit score is. I am wanting to get a vehicle for personal and household purposes and I feel like I am being discriminated against by Bank of America. I would like to keep this relationship between me and BOA but using tactics that are not law to deny me credit is very distasteful.
Consumer complaint received 2024-08-08
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)

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 MAF. Account Name XXXX XXXX. Account Name XXXX.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

Notice through my credit wise credit protection program that on XX/XX/XXXX XXXX XXXX reporting a CHARGE OFF I have never recieved a notice from National Credit Systems or even a phone call MY NUMBER HAS BEEN THE SAME FOR YEARS AS WELL NOTED ON ALL THREE CREDIT BURRUS I also never recieved info from there client Green Leaf Lotus as a mater of fact I was inquiring about my return of my deposit
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On my VA mortgage loan, USAA FSB is the purported lender and XXXX is the purported " Servicer '' and XXXX XXXX as the Investor, as which is claimed on an online eRegistry named the MERS ( r ) eRegistry System, owned by XXXX XXXX XXXX XXXX My loan documents contained a MIN ( mortgage identifying number ) which I was unaware at the time was used to electronically record my loan documents to this eRegistry portal. USAA and XXXX shared my personal social security number with XXXX whom I had no contact or contract with and further information about my loan details is only accessed utilizing my SSN. I was never provided information that my information was to be shared nor have I received an opt out notice. 
The MERS eRegistry site is not encrypted which is a violation of Pennsylvania Privacy of Social Security Numbers Law and Breach of Personal Notification Information Act. The sharing of my SSN is also a violation of the XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collection Service Inc (GA) (GA)

According to FCRA Section 605B it is illegal to report information on my credit report without my permission. 15 usc 1692 c ( c ) - If a consumer notifies a debt collection that consumer refuses to pay debt, the debt collector must cease ALL communication including reporting to the credit companies.
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MS)

For the past two years I have been disputing and requesting information regarding this alleged debt with National Credit Audit Corporation. I do not owe this debt. I never received any correspondence including a debt validation letter from this company. Multiple times I have requested the Following Documentation from this company : 1. Copy of a signed contract that I have with National Credit Audit Corporation 2. Lease signed in wet ink by myself with National Credit Audit Corporation.

3. Proof that a Debt Validation letter was mailed to me regarding this debt BEFORE this account was furnished to credit reporting agencies. Tracking numbers or signed Certified mail Return Reciepts as proof to my current address.

4. Proof and documentation that this company has the rights and authorization to collect a debt in my state.

5. Itemized list explaining in detail why this company believes I owe this debt.

I have NOT received any requested documents from this company. I do NOT have a contract or lease with National Credit Audit Corporation! There have been 5 certified letters that I sent to this company requesting these documents and all except 1 was signed for and received. However, I have NOT received any of the demanded documents and this account is still being illegally reported on my credit file. This company also ignores and refuses to answer complaints on the XXXX  website from consumers who are exercising their consumer rights. Companies of good moral beliefs and who act in good faith do NOT do business this way.

Furthermore, it is in direct violation of the FDCPA to furnish an account to credit reporting agencies without allowing the consumer to validate or dispute the debt. A consumer has 30 days to validate a debt prior to the data furnisher placing said account on a consumers credit file. Of course, no said letter was received. 

FCRA section 623 states that a data furnisher ( which this company is ) may NOT continue to furnish inaccurate or incomplete data to a credit reporting agency after the CONSUMER NOTIFIES them of an inaccuracy or dispute. 

FCRA regulations provide that consumers can seek damages and relief by legal actions from companies who willfully violate FCRA consumer laws. 

I am filing a CFPB complaint to hopefully get this corrected immediately and removed from my credit file.
Consumer complaint received 2024-08-10
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. (TX)

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Department Of Education ( ALL ACCOUNTS ) ; Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX : Self Attestation, Drivers License, Bank Statement , Utility Bill Proof of identity Drivers License, Bank Statement , Utility Bill, Trafficking documentation Self Attestation included
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"