davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/year>, I was charged a late fee of {$30.00} on my Barclays account. The following day, XX/XX/year>, I called Barclays customer service and paid the full balance of {$82.00}. During this call, I was assured that the late fee would be waived. 

In XXXX, my account was reported as in good standing on my credit report. However, in XXXX, I was charged an additional {$41.00} late fee for the late fee from XXXX, and this was reported as a XXXX late payment on my credit report. The same issue occurred in XXXX, with another {$41.00} late fee charged and reported as a XXXX late payment. 

Despite multiple attempts to resolve this issue with Barclays, the late fees were not removed until XX/XX/year>. However, the late payment entries remain on my credit report, significantly impacting my credit score. These erroneous late payments have caused my XXXX XXXX to drop by over XXXX points, resulting in my denial for the XXXX assistance program, which was essential for my plans to purchase a home. 

I have already escalated this issue directly to Barclays, and despite their assurance to reverse the initial late fee, they failed to correct the reporting on my credit report. I am seeking the immediate removal of these incorrect late payment entries from my credit report to rectify the damage caused by Barclays ' negligence. 

Attached are my billing statements and documentation of my communications with Barclays, demonstrating their failure to honor their commitment to waive the late fee and correct my account status. 

Thank you for your assistance in resolving this matter promptly.
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I never received a debt statement from this Hunter Warfield. I have asked them several times for them to mail or email me the information but they refused. I was told that I was being charged daily interest on a debt that is not interest bearing and was never told what the interest rate was. This debt was final bill from apartment after I moved out. I gave a forwarding address but according to Hunter Warfield they sent information to a totally different address in a different state. They were charging interest the entire time. I feel this is in violation of the fair debt collection practices act. Again I called today on XX/XX/year> to get letter sent to me because I did pay the debt so the interest will not continue. I was again denied a letter and told to go on the website. Advised them that I have tried to go on the website several times but it will not give me access. Finally I was told they are having problems with their website to try again in 24-48 hrs. I have been getting the run around.
Consumer complaint received 2023-09-18
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX. This letter I tried to send to Chase Card services. The card that was used had the last four digits XXXX. I did not use that card on XXXX and XXXX for those 5 charges you added back to my card in XXXX. I sent the letter below to my job because I was in the XXXX  on XXXX to get XXXX. I was home on XXXX following my XXXX XXXX to prepare for the XXXX. I was put on a XXXX XXXX  at XXXX XXXX on XXXX. This letter below I sent to my job to be excused from work. I have an email from you asking did I recognize a charge someone tried to make at XXXX XXXX over XXXX which thankfully chase declined on XXXX. I responded no I did not make that charge. You changed my card. I did not get it. I believe someone tried to use that card and you canceled that card and sent me another card. Yet, you say I made charges I did not make! I want you to take all these charges off my card! Those charges were on XXXX  and XXXX  that you added back to my bill. I I have been a customer too long to be treated like this! Below is the letter I sent to my job that proves I was in the hospital on XXXX. I was told to send this letter to the email provided by your staff. It was sent back to me as undeliverable. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citibank froze my account. I had moved from XXXX XXXX XXXX XXXX and not all the information had been changed with my bank. I went to buy something online in XXXX, put in the wrong zip code, and triggered the fraud department. I had already changed my number so they couldn't get a hold of me. When I called back to try and explain the situation, they didn't believe me and told me they would send a letter to my old address in XXXX. I've gone into a physical Citibank location, I've also retained a lawyer to try and help me all to no avail.
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (LA)

Exeter Finance LLC. is inaccurately reporting information on my behalf and continuing to renew this information on a monthly basis to the credit reporting agencies as a result of this my payment history is showing multiple late payments which are a direct violation of 15 U.S.C 1666b ( a ) Timing of payments in which this code explains a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for ANY purpose. This inaccurate information is false and misleading ( violation of 15 U.S.C 1692 ) and goes against the credit system that was created to provide accurate reporting on a consumers behalf. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification is unfair practices and is a violation of 15 U.S.C 1692f Please update your records accordingly.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXX ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXX .... XXXX ) XXXX- XXXX {$730.00} XX/XX/XXXX .... 7 ) XXXX XXXX XXXX- XXXX {$760.00} XX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This company cant provide me proof of my ID or social card.
Consumer complaint received 2023-11-07
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. (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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NE)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

Debt ( collection ) reported to XXXX XXXX XXXX by Ability Recovery Services , LLC. In the amount of {$1900.00}. Date of the debt ( collection ) XX/XX/XXXX. Date reported on my credit XX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The USAA FEDERAL SAVINGS BANK accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that USAA FEDERAL SAVINGS BANK provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : 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   For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (GA)

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, On XX/XX/XXXX, I informed my bank, XXXX, about fraudulent charges made to my account in the span of a couple of days, summing up to a total of {$410.00}, a complete list of charges will be detailed below, and an investigation was initiated, and my account was granted a credit for all the transactions. However, today XX/XX/XXXX, that credit was reversed on my account stating that all transactions were verified to be accurate and no fraud was made. Keeping in mind that I live in XXXX FL, and these transactions were made in NY, and XXXX XXXX FL, I also do not have an authorized user for my account nor do I have a duplicate on my card, and I had my card when the transactions were made. The bank will not be responsible for the fraud charges, making me take responsibility for the fraud charges. Informed me that I would need to provide them with proof that I did not make the charges but did not further explain how, or why. Stating that if I wanted this resolved, I would need to contact every merchant to file the fraud charge and battle with them. Please advise on this case. 

Transaction chargesXXXX 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 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 My Bank has stated that all my transactions have been made by a Issued VISA Chiped card, which is why they have denied my claim. I have not made any of these transaction and am at a loss at this moment.
Consumer complaint received 2024-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (TX)

I went to the XXXX XXXX XXXX XXXX XXXX XXXX, I am a veteran and I filed my visit with the VA, the VA received the Emergency Room bill and paid it in full. Weeks later I received a separate bill from XXXX XXXX XXXX stating there is another portion of the bill that I had to pay and not the VA, I explained that I paid my CoPay to the VA for that visit and if they require additional payment that they need to contact the VA which is my provider, the hospital insisted that I need to pay additional payments that is not the VA responsibility, I questioned this many times with the hospital and explained that I pay my copay or any charges to the VA, but the hospital Insisted that I have to pay additional To the hospital directly. I spoke to with the VA and they informed me that the bill for the hospital Was paid. I tried several times for the hospital to talk to the VA again and they told me it is my responsibility, I informed the hospital that I did speak to the VA and they mentioned that if the hospital required more funds to contact them directly, the hospital reported the {$700.00} to a collection agency and now my credit is damaged. I should not be penalized for something that the hospital need to do and resolve with these VA.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

please delete this auto loans now I fixed is several times but still in my report this is a violation because this accounts is not accurate reporting please see the listed account below and delete it now XXXX XXXX  XXXX XXXX XXXX, XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$5700.00}
Consumer complaint received 2023-09-18
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. (GA)

This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Accurate Background (CA)

My employer filed my background check with Accurate Background over a month ago on XX/XX/year> and yet there is no processing even though I have gotten my background check done with Accurate in the past and I never had this issue. This problem has caused me to delay my hiring date and I will likely lose my employment offer soon. Accurate keeps telling me about a court delay that is causing the problem but I wonder why since I have never had this issue and I have a clean record. I call often every week but I always get told about an eta response every week but nothing happens. This has hurt me financially since I currently have no job and now I have to begin applying for employment. I also noticed that I am not the only one going through this and many people are currently having the same problem with Accurate processing background checks. What am I supposed to do because I can't keep waiting if nobody knows anything. Why is there a court delay? Who is the court responsible for this delay and why I can't get a hold of them? These kind of problems should be illegal.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MT)

I paid a loan off on XX/XX/year> via electronic funds. I have been requesting a lien release ever since paying off the loan and have yet to receive it. I have called multiple times asking for it and for it to be expedited. Finally on XX/XX/XXXX they say they mailed it but here it is well over XXXX days later and I still dont have it XXXX they tell me to wait instead of just sending me a copy. I have expired temporary tags on this car and even tho I have a letter stating it is paid in full this is unacceptable to the XXXX and they wont help me without a lien release. How does one pay XXXX cash and not able to get a lien release! This is unacceptable and I have spent several days at the XXXX trying to get this taken care of and simply cant. I WANT Chase auto finance to be reprimanded and forced to give me a lien release. Next stop is our XXXX XXXX governor for me!