davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX I took out a loan from Chase Bank to purchase my vehicle. At the time I was employed at my job for XXXX XXXX. Two months later my Job was heavely affected by the housing market and I was laid off. I was struggling to keep a roof over my head and my daughters head and fell behind in my payments. In XXXX of XXXX I had caught up on my payments when a family memeber lent me money so that my car would not be repossed. I spoke with Chase several times to let them know that I had lost my job and was struggling to make my payments on time. They took a check over the phone and cashed it two days later. I fell a few months behind again and once again got caught up and chase had taken my payment. After close to a year and a few months and XXXX resumes later, I finally found a job. With my very first paycheck I gave a {$1000.00} to chase which they recieved and with my second paycheck I gave them another {$2000.00} to get caught up in which again Chase had accepted. I also could not afford to get my registration up to date but after I got my job I was able to pay {$1300.00} to get my registration up to date in XX/XX/XXXX. Somehow through it all I managed to keep my car insurance through it all. On Sunday night XX/XX/XXXX I recieved a phone call from an investigator wanting to come and reposses the car. I was absolutly in shock. I called Chase Bank and they informed me that my account was charged off back in XXXX the same month that they took a check over the phone and my account was up to date. I let her know that I had lost my job and could not find employment for a year and that I had finally found a job and if I could reinstate my loan. She said no and that I better get creative and give them {$27000.00}. I asked her why they had accepted close to {$5000.00} of my money if my car was in charge off for 10 months. She said because I owe them money. Clearly I had no idea that for 10 months the car was in a charge off. I have given them {$5000.00} dollars since then.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/year> I sent XXXX and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A charge appeared on my account for XXXX from a website in XXXX, I reported the charge and it was initially covered due to capital ones zero liability coverage, the charge was reversed and they found me at fault despite me not making the charge.. the charge was not signed for by me but the hacker used my person information to place the order. Capital one refused to reverse this fraudulent transaction which was obviously due to an advanced hack
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (AL)

Upgrade Inc. is inaccurately reporting a late payment on my account that is allegedly more than 30 days past due. However, there are discrepancies in the reported dates across the three major credit bureaus : XXXX : Reports the late payment as occurring in XXXX of XXXX  ; XXXX : Reports the late payment as occurring in [ Different Month ]. 
XXXX : XXXX the late payment as occurring in XXXX of XXXX. 

These discrepancies are affecting my credit score and misrepresent my creditworthiness. my account was never more than 30 days past due. 

I have previously contacted Upgrade Inc. to address this issue, but they have not corrected the error. Additionally, I have filed disputes with each of the credit bureaus, but the inaccuracies have been verified without proper resolution.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NE)

Received statement from Barclays for a Jet Blue Miles Plus Credit Card with a $ XXXX past due balance. I have never applied for a credit card with Barclays, I have never banked at Barclays. I have never flown with Jet Blue. I submitted a dispute and the credit card company did not believe that it was fraudulent and claims I am still responsbile for the amount owed.
Consumer complaint received 2024-08-16
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: NAVY FEDERAL CREDIT UNION (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion ===================================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

Subject : Complaint Against ChexSystems for Unauthorized Furnishing of Account Information Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding ChexSystems for the unauthorized furnishing of account information reported on my consumer report. I have attached my identity theft affidavit and a detailed letter outlining the issues at hand. 

ChexSystems included account information in my report without obtaining my explicit consent or written authorization, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies must secure proper consent before including information on a consumers report. 

To support my complaint, I wish to highlight relevant federal cases that underscore the seriousness of these violations : 1. **Cunningham v. Equifax Info . Servs., LLC**, 2018 U.S. Dist . LEXIS 216015 ( E.D. Mich. Dec. 21, 2018 ) : This case illustrates that consumer reporting agencies must ensure the accuracy and legitimacy of information included in consumer reports and adhere to strict compliance standards. 

2. **Miller v. Equifax Info . Servs., LLC**, 2019 U.S. Dist . LEXIS 5607 ( N.D. Ill. Jan. 11, 2019 ) : This case reinforces that a failure to correct inaccurate information after being notified constitutes a violation of the FCRA .

3. **Murray v. Experian Info. Solutions, Inc.**, 2019 U.S. Dist. LEXIS 43435 ( N.D. Ill. Mar. 14, 2019 ) : This decision highlights the importance of obtaining proper consent and provides a precedent for holding consumer reporting agencies accountable for non-compliance. 

Given the gravity of this issue, I intend to file a federal lawsuit for violations of the FCRA. The unauthorized reporting of my account information has caused undue stress and potential harm to my credit profile. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against ChexSystems to enforce compliance with the FCRA. Your intervention is critical to ensuring that my consumer rights are protected.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
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 — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (TX)

During the last XXXX  XXXX, the account XXXX XXXX  XXXX ( XXXX ) has been reported as a charge-off on my credit history, resulting in a significant degradation of my profile. Upon XXXX  analysis, I noticed certain errors within the account reporting, such as data discrepancies among the XXXX credit bureaus, including report dates, opening dates, XXXX  activity, closure dates, account number, and high balance. According to my inquiries, when an account reports inconsistently among the credit bureaus, it constitutes a violation of my consumer rights. Given this situation, I decided to dispute these errors with the bureaus themselves and the original creditor via mail, but I have not received any notice or response from them. Therefore, I am proceeding with this complaint, outlining my arguments and how I believe this account is being incorrectly reported on my credit history, applying to violations of the following sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

In XX/XX/2023 I inquired about XXXX XXXX XXXX I explained to the guy it was doubtful I would use it but he said if I didnt sign up right then then the discount wouldnt apply. Right after XXXX I emailed them and told them I wouldnt be using the service as it was too strenuous and I had had my ACL replaced ( which I told this to the guy when I signed up. He told me refunds were easy if I couldnt do the program ). I never used the program, I never consulted with their trainer or tried to get any advice. I never knew this was on my credit report until a few weeks ago when I received a letter from XXXX about a negative report on my XXXX report. After I launched a complaint, XXXX called me and said they would remove the charge as they could see I never used it. They didnt remove it, they wrote it off, which still has a negative effect on my credit. Please help! This charge was through Affirm that does their billing
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-08-15
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Bank of America XXXX XXXX card number XXXX XXXX Claim number XXXX request to a reevaluate the denied claim reconsideration for return of funds of {$1500.00} for the claim that disputes an additional charge for a double debit of that posted an error for an additional debit that seems to be a total withdrawal I did not make or receive funds for at XXXX XXXX XXXX XXXX. on XX/XX/XXXX the transaction being disputed is exactly the same as a teller withdrawal that that is a valid transaction earlier that day at XXXX XXXX. and on XX/XX/XXXX that I did make and receive the payment for {$1500.00} at the Bank of America in XXXX branch
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

I paid a payment on or around XX/XX/XXXX. I waited for it to be applied so I could create a repayment plan. I noticed that the payment was not applied the next week. I called on or around XX/XX/XXXX and was told it would not be applied until I made an additional payment, which was not what I was told in XXXX. In XXXX the person I spoke with told me to make a payment in XXXX and then set up a repayment plan for the late payments. Now Ive gone past the date on the demand letter without a plan because they refused to set it up without a second payment.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (FL)

As a victim of debt bondage, a severe form of XXXX XXXX I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc. (AL)

I am being harassed by what I believe is a fake debt collection agency. Since XX/XX/year>, I have received near daily phone calls from multiple different numbers claiming to be Franklin Service Inc.-Debt Collector I looked into the collection agency as it seems suspicious. I believe the people contacting me are attempting to impersonate Franklin Collection Service ( a real company based in XXXX, XXXX XXXX. The calls I have received are from several ( XXXX ) numbers, but the XXXX XXXX has no southern AL phone nos or addresses listed on their webpage. When I search for these numbers, they are not linked to any legitimate persons or company. Some are flagged for a XXXX XXXX warning. Here is a list of the phone numbers I have been contacted by claiming to be XXXX XXXX XXXX-Debt Collector : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (VA)

XXXX XXXX  XXXX  is HUD funded. XXXX XXXX  XXXX  do yearly recertification to keep funds for each unit. The Property manager have each tenant to do a recertification then it's sent to corporate for approval then sent to HUD. Corporate admitted on the news they lost the paperwork and have no proof of payments and charged tenants market rate rent because corporate mishandled the paperwork and loss the fund for the units. They moved me out my unit in XXXX and I still live there XX/XX/XXXX. Nobody in the office can locate any paperwork for my unit. I filed complaints with congress, HUD and credit bureaus. XXXX XXXX  XXXX  charged me over XXXX in rent for income based apartment while unemployed during my XXXX treatments.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (PA)

On XX/XX/, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
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 — Was not notified of investigation status or results
Company: HW Holding, Inc (CO)

During the last few months, I have noticed a collection account on my credit report from HWARFIELD ( XXXX ) that I have no knowledge of how it was placed under my name. Neither the collector nor the creditor claiming to be the original ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) provided me with certified notifications that the account would be transferred to a third party, nor was I requested permission for a permissible purpose to report it on my record. Therefore, I proceeded to dispute the account in writing, requesting validation and removal of the account ; however, they have ignored my communications with them and the credit bureaus. The account is being reported inconsistently on my report, providing incomplete information among the three credit bureaus, which raises further concern about my case. Since they are not providing concise information to the credit bureaus, this may be considered a violation of 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am seeking your assistance regarding this incorrect account listed on my XXXX XXXX. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my XXXX XXXX  has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/year> I purchased a desk from XXXX. A day or XXXX later I wished to purchase home installation. A problem on the XXXX website caused me to attempt purchase of this service XXXX using my XXXX card and once using my CapitalOne card. I called XXXX and was credited by them for the duplicate charges and was told that my CapOne purchase would not be charged and would drop off. It did not. I have contacted CapOne, they have contacted XXXX, I have shown to capOne docs showing the duplicate charge and documentation that I have paid it on my XXXX statement. CapOne is refusing to delete this duplicate charge. I spoke with a supervisor at CapOne on XX/XX/year> and was informed that if I sent over documentation showing payment to XXXX it would be enough to delete the duplicate charge. I submitted documentation showing payment and XXXX minutes later got a letter informing me it wasn't good enough.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OK)

I had a citibank checking XXXX and it wad set to be closed on the XXXX of XX/XX/year>. I called them and told them that my XXXX XXXX compensation was due to deposit in there on the first of XX/XX/year> They assured me that it wouldn't and that my check would go back to the XXXX XXXX  and the XXXX XXXX would deposit it into another checking account of mine. Well, city close the account and they ended up doing getting my XXXX compensation from the XXXX XXXX, which is XXXX XXXX XXXX XXXX and XXXX XXXX dollars, and they kept it in the account and it's still in there, and they will not give me my money. So this whole month I have been broke my phone 's about to be shut off. My daughter 's phone is shut off. I can't pay my bills. My kids are hungry. I'll live off that money every month and they have taken it from me and will not give me my money.Please help me thank you.