davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, Wisconsin submitted two completed credit applications to Chase Bank on my behalf in the amounts of {$98000.00} and {$68000.00}. After accepting all the information necessary to determine creditworthiness, Chase Bank declined to transfer the free credit balances from the broker to finance my retail purchase from XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I sent letters to contest the denial of which Chase Bank has not responded. I believe these denials violate 1002.6 of the Equal Credit Opportunity Act, which pertains to the rules concerning the evaluation of applications. 
According to 1002.6 ( a ), a creditor may consider any information obtained in evaluating an application, provided that this information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act emphasizes the importance of an effects test. This concept, established by the Supreme Court in landmark cases such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, underscores the need for fair and unbiased credit evaluations. 
Chase Bank specifically states that my credit history was used in their decision to decline credit, as quoted on both denial letters they sent to me : Or credit decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below [ XXXX ] ... we obtained your credit score from the consumer reporting agency listed on the first page of this letter and used it in making our credit decision. 
Part 1002.6 of the Act continues : ( b ) Specific rules concerning use of information. 
( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

6 ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( i ) The credit history, when available, of accounts designated as accounts that the applicant and the applicant 's spouse are permitted to use or for which both are contractually liable ; ( ii ) On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness; and ( iii ) On the applicant 's request, the credit history, when available, of any account reported in the name of the applicant 's spouse or former spouse that the applicant can demonstrate accurately reflects the applicant 's creditworthiness. 
The law allows for Chase Bank to use my credit history to determine creditworthiness, but it prohibits discrimination. Therefore, denial of credit due to information obtained from my credit report is prohibited by law and a violation of my rights to equal credit.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (AR)

I received a letter ( uploaded ) from the company Calvary Portfolio Management. Spoke with representative and explained this debt was paid thru a debt consolidation plan I paid in 2019. The representative stated it bought the account from XXXX XXXX  and they are trying yo collect. I also asked for documents and no one had sent any. I sent an email ( see attached ) and in the initial letter sent it states if you reach out to them to dispute ALL collections has to stop. They reported the account as being in collections on my credit report 7 days later. Now my score has gone down 60yrs due to this collection reflecting on my credit report. How can a company buy a debt from 4yrs ago thats been paid but shows the same amount of debt and try to collect it again? My credit is stellar and this is ruining it. 

I need this company to remove this negative collection mark off my credit report.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-28
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-28
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. (NC)

I filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-28
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
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. (AZ)

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently got a copy of my credit report and noticed these fraudulent inquiries. Please remove these inquiries from my report, they are hurting my ability to obtain credit. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$0.00} XXXX update to never late XXXX XXXX {$1300.00} XXXX update to never late XXXX XXXX  {$0.00} XXXX update to never late XXXX XXXX XXXX {$2400.00} XXXX update to never late XXXX XXXX XXXX {$210.00} XXXX remove acct XXXX XXXX {$790.00} XXXX remove acct XXXX  {$3700.00} XXXX remove acct Credit Collection {$0.00} XXXX remove acct XXXX XXXX XXXX XXXX remove inquiry
Consumer complaint received 2022-12-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

As I have to move to a new apartment before the termination of my current lease, I posted an advertisement for my room ( website " XXXX.XXXX  '' ) for a transfer lease. An XXXX guy named XXXX XXXX XXXX contacted me and assured me he'd take over my room. We did a conversation using his email id ( XXXX ) and XXXX ( XXXX ( XXXX ) XXXX ). He sent me his driving license as proof ( DLN ) XXXX ). He said he'll send me a check of {$5000.00} as advance money so that I can be assured he is taking the room for rent, and I can proceed with the lease transfer. I would have to return the amount that would be extra. He sent me a check of {$5000.00} and asked me to deposit it. I deposited the check to bank of America, and after 1 day, the amount of {$5000.00} deposited into my account. One the money deposited to my account was shown up in my balance and money transfer was verified, he asked me to return {$3500.00} as it was extra. He gave me an account detail of XXXX XXXX ( XXXX ) and asked me to send {$1000.00}, {$1000.00} and {$950.00}, respectively via XXXX.. He again asked to send the remaining {$550.00} to XXXX XXXX ( XXXX ) but the transaction was refused this time. After sending these money to XXXX, the check amount ( {$5000.00} ) that came into my account ), went back. I called the bank and the bank associate ( customer care service ) why the {$500.00} was deducted from my account, and he convinced me that the amount might be returned to my account, as sometimes it happens, and it may not be a fraud/scam issue. I again texted XXXX that the check amount is reduced, and he said he'll confirm tomorrow why the check it happened. Even I was not notified by bankd why the the {$5000.00} that was reduced from my account. But another day, I could not see the check amount returned. After calling the bank associate again, we realized it was a scam, and he filed my claim for the check amount that I should recieved XXXX Bank of America has reported my case, case number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has stopped responding to calls or XXXX.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

On Saturday, XX/XX/XXXX, my wallet was stolen. My wallet had several credit cards, my drivers license and my US Bank debit card. I immediately notified US Bank that day that my debit card and drivers license had been stolen. On Monday, XX/XX/XXXX, I called US Bank to remind them my cards had been stolen and they needed to put a notification on my account since my drivers license was also stolen. US Bank put a notice on my account. 

On Tuesday, XX/XX/XXXX, the people that stole my wallet went to a US Bank branch in XXXX XXXX, MN ( I live in XXXX ) and withdrew {$1300.00} from my savings account. This was after I notified US Bank twice that my wallet was stolen, to cancel my debit card and again to put a notice on my accounts. 

I called a few times over the past 6 weeks asking for an update to my case. I was told it would take up to 8 weeks for the investigation to be completed. Today, XX/XX/XXXX, I received a cashiers check in the mail for {$1300.00}. 

I had been a customer with US Bank for over 20 years. Because I couldnt trust US Bank to keep my money secure, I cancelled my accounts with them. It also took almost 6 weeks for me to get my money back, which should have never been stole in the first place if the bank had been doing their job correctly.
Consumer complaint received 2024-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FCI Lender Services Inc. (IL)

in XXXX my loan with XXXX XXXX showed closed no information available. after many years looking for loan while lien stayed in XXXX name in XX/XX/XXXX loan appeared with XXXX XXXX XXXX  after requesting copy of assignment and note as proof of ownership i could not get documentation. 28 months later from XXXX XXXX XXXX XXXX  i received. after much investigating in XX/XX/XXXX i found information. XXXX XXXX  which is XXXX  XXXX and XXXX XXXX XXXX held loan until XXXX without sending any monthly statements or changing lien or placing on my credit report to find, sold loan to XXXX. XXXX allowed XXXX XXXX  to continue servicing loan for an additional 12 months with out statements or mailing an assignment. In XXXX XXXXchanges lien placing them selves as nominee.XXXX held lien for 14 months until XXXX XXXX XXXX XXXX XXXX as trustee changed lien again. i tried to work out with service provider XXXX XXXX XXXX but they would not send proof of loan. zombie loan was only XXXX dollars and no one i have talked with is acting in good faith. I have tried to resolve and all have dragged getting information for this includes XXXX XXXX XXXX XXXX XXXX. i applied for mediation but could not go forward as they would not produce note. I am at wits end trying to get this resolved. I have agreed to settle but the attorney office could not get letter drafted in a reasonable time 80 days with 23 days to settle.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (SC)

My information was fraudulenty used for different assets I have inquires I didnt personally request for. I need help removing these inquires it is affecting my score tremendously and it is very frustrating.
Consumer complaint received 2024-08-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. 

U.S Court of Appeals XXXX XXXX, NO XXXX vs. XXXX XXXX FCRA Section 623 XXXX XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX court case XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). 

FCRA Section 605 ( c )
Consumer complaint received 2023-10-03
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. (TN)

I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Disputed the balance through XXXX, XXXX, and XXXX XXXX credit reporting companies. Capital One refuses to update the balance on the loan. Balance on credit report shows {$2400.00} as of XX/XX/year> but the balance is actually {$1900.00} as of XX/XX/year> based on payments made. Capital One did the same thing on my last loan account.