davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Genesys National Recovery, Inc. (PR)

My XXXX XXXX contract number : XXXX The gym, XXXX XXXX, continued to charge my credit card after hurricane Mara hit XXXX XXXX on XX/XX/XXXX ; a hurricane category 4 that caused widespread destruction and left the island without electricity. After the gym reopened in XXXX they stopped charging my credit card, causing my account to be delinquent. The credit card company had not blocked the charges ; XXXX just stopped charging my account and eventually referred me to a collection agency. 
It seems that indeed I was wrongfully reported to the credit agencies because even though on XX/XX/18 I made the payment for the months that XXXX said I owed, I received calls from the collection agency on XX/XX/XXXX and XX/XX/XXXX. On those 2 occasions I informed the person that I did not owe anything to XXXX and, after checking, they admitted that I was right. On XX/XX/XXXX I received 2 calls from that agency ; the first one was to check if I was at home because I was going to receive a subpoena to seize assets for the outstanding balance with XXXX, and the second one was to say that they made a mistake. On that call I forbid them to ever call me again. 
On XX/XX/XXXX I sent an email asking for the name and address of their collection agency. I am still waiting for the information. 
On XX/XX/XXXX, my lawyer sent XXXX management a letter via email requesting the same information reply has been received. 
Included below are : the contract with XXXX, the emails relating to requests of information, and the ones that indicate the name and postal address of the gym and the telephone number of XXXX XXXX XXXX.
Consumer complaint received 2024-07-13
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. (NJ)

XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint against [ XXXX XXXX XXXX ] for violating my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b Account # XXXX Dear CFPB, I am writing to file a complaint against XXXX XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, they have violated sections 602, 604A, and 2 of FCRA ( 15 U.S.C. 1681 ) and section 1666b of TILA ( 15 U.S.C. 1666b ).

The violations are as follows : In accordance with the fair credit act this creditor has violated my rights under 15 u.s c1681 section 602 I have the right to privacy 15 u.s c 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 u.s c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian 's website is extremely manipulative to consumers. It is nearly impossible to figure out how to get to the section to freeze and unfreeze your credit without going to the contact section. They also sell a product called XXXX XXXX and when you are trying to figure out how to freeze/ unfreeze your credit the website naturally steers you to this section that costs money and it feels extremely manipulative. It should be clear and simple for people to get to the section on the website to freeze and unfreeze credit. I did it in XXXX minutes or less on XXXX and XXXX for me and my husband. It took over XXXX minutes on XXXX. I was livid. They have to change this i m sure people are wasting money on this credit lock that don't need to be. Please make them change this.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX Claim number : XXXX {$500.00} Made a Bank of America credit card payment with {$500.00} XXXX XXXX through the ATM machine. I got a letter that the money order has been returned. 
I checked with XXXX XXXX XXXX XXXX XXXX and they never declined the payment and Money order can not be bounced or returned. ( XXXX say Bank of America never tried to cash out ). 
XXXX Bank of America and they say i should contact the XXXX to solve the issue but this is Bank of America problem not fidelity. 
They might lost the Money order because they dont have any image which I got from ATM machine.
Consumer complaint received 2018-05-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRSTBANK PUERTO RICO (MD)

Yesterday XX/XX/2018 I recieved a phone call in my neighboors land line ( not even I know the number ). The operator called about a car loan from FirstBank in Puerto Rico. 

I had preciously contacted the bank about my financial situation following Hurricane Maria since the car was purchased as a working vehicle for XXXX. With cero electricity for months and thus no cellular connecticity, this was impossible as XXXX shut down operations. 

The operator from XXXX XXXX, located in XXXX XXXX Puerto Rico ( XXXX ) not only contacted a third party without my consent, but also threatened to report the car as stolen and said twice that I was asking for blood. I also have a voice message with her threatening to proceed, without any further explanation whatsover. 

She refused to give me her full name and only identified herself as XXXX XXXX. 

Therefore, as instructed, I am submitting this complain and look forward to receiving a complainy number as I wish to contact FirstBank to negotiate the debt. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (NY)

I received a letter from Chase stating that Chase did not pay for my neighbors property taxes & therefore credit that was issued to me initially, was rescinded. See attachment of letter. 

Attached is an example of where Chase paid for both properties for XXXX. 

My property is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX taxes for the year is {$12000.00}. See Attachment XXXX Installment {$6000.00} XXXX Installment {$6000.00} Neighbors property is XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX taxes for the year is {$7300.00}. See Attachment XXXX Installment {$3600.00} XXXX Installment {$3600.00} When you review my XXXX Escrow statement, I have highlighted in yellow where Chase has paid my property taxes & my neighbors property taxes. 

This situation has ballooned my escrow account & I can not make the payments. 

I have been on the phone with many of your executive team & everyone is saying Chase is only paying my property taxes. 

My neighbor has not paid property taxes for years. 

I am very stressed regarding this situation. Chase has sold my mortgage to a Collection agency ; instead of giving me options, such as refinancing to a longer term to pay my mortgage.The Collection Agency is pressuring me to make payment. 

I would like a thorough review of my Escrow starting from XXXX when Chase started paying my property taxes
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

Dispute Chase case # XXXX XXXX - Chase XXXXXXXX Chase XX/XX/XXXX Letter going to Chase Corp XXXX XXXX XXXX Chase Residual Interest Charges After I paid my Bill in Full! !!! 

Pulling teeth to get support banged me each month w late fees XXXX XX/XX/XXXX {$28.00} interest charges extortive and unjustified Acct paid for 20 days 0 balance {$4300.00} on XXXX XXXXXXXX XXXX XXXX Int charges {$390.00} {$77.00}. XX/XX/XXXX {$76.00} XX/XX/XXXX {$69.00}. XX/XX/XXXX {$72.00}. XX/XX/XXXX {$73.00}. XX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (KS)

I had two transactions cone out of my account. Both were not authorized. Two transactions for {$150.00}. I'll have the details in the picture. But I disputed them both with cash app and got a denied on them both. I've had no history with the two accounts my money went to. I need that money back.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Extended fraud alert and all these inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX F XXXX XXXX Tx XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, 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 2024-07-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I was defrauded by XXXX University and filed a XXXX XXXX XXXX XXXX for my federal loans. As part of the XXXX v. XXXX ruling, my federal loans were forgiven. I filed a misconduct claim with Navient. I provided all of the same information as was supplied in my Borrowers Defense claim, however, I was denied by Navient with a vague response of : " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I believe my claim was summarily dismissed with little to no review.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a complaint against XXXXXXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXXXXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (PA)

I checked my credit score on XXXX XXXX and saw a reduction in my score because of a collections report. I reached out to XXXX whose details were listed in the credit report and they mentioned that MRS BPO LLC is the company handling the matter. I called the collection agency multiple times up until XX/XX/year> to understand why they never reached out to me to settle this dispute before reporting to the bureau and to get a validation notice but this was unsuccessful.
Consumer complaint received 2017-11-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jim Bottin Enterprises, Inc (PR)

I have been receiving phone calls from a collection company Number ( XXXX XXXX XXXX They said they are representing a company name XXXX XXXX. I contested the debt and demanded verification. They did not provide any instead gave me another telephone number. I called the number they gave me XXXX XXXX XXXX they did not provide verification they did not identify themselves they wanted me to provide them with my personal information. 

I have never done business with such company. I do not owe any money to this company and they keep calling me in a regular basis requesting payment without verification.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After disputing the use of an alias AKA ( also known as ), Transunion continues to place aliases on my credit report. I never use aliases. Anyone using my credit or my information with an alias is doing so illegally. Transunion is ignoring the adverse implications of the existence of an alias on my account -- - possible identity theft or malfeasance associated with Transunion personnel. The most recent alias listed on my credit report as of the date of this complaint is " XXXX '' or XXXX XXXX. I do not know who " XXXX '' or XXXX XXXX is, and I never use that name. Transunion disregards disputes regarding aliases. They allow the use of aliases, even when the consumer informs them that the alias is inaccurate information and demands that they STOP ALLOWING the use of any aliases. XXXX or XXXX XXXX is not my name.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (AZ)

On Thursday XX/XX/2024, I filed a fraud claim for a merchant I have never used called XXXX XXXX The customer service agent stated my card would be shut down immediately and I would receive temporary credit for the amount of XXXX. The investigation can take up to 10 days. Up to this day, I have not receive a claim or reference number from Wells Fargo. No phone calls and I have called 4 times about this matter. They are not handling my claims properly and this is against ALL banking guidelines. They are illegally handling my fraud claim and need help escalating this.
Consumer complaint received 2024-07-18
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)

I have reviewed my credit profile collections that I have no given written instructions to 3rd parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b- Permissible Purpose. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNTS TO REMOVED IN TWO BUSINESS DAYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
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. (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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AL)

After purchasing a vehicle from XXXX XXXX XXXX years ago, my loan amount remained the same from the day I drove off the lot. It took {$3000.00} to drive off the lot. The total amount to be financed was {$9500.00}. When I contacted my financial institution, XXXX XXXX XXXX out of XXXX XXXX, I was told I am paying a {$6.00} interest rate daily until my auto loan is paid in full. An interest rate was already factored into the agreement and the paperwork I have on hand does not state that to be true. I requested a copy of the contract between myself and XXXX XXXX XXXX and their response was I am not on their contact list. I proceeded by asking " What such thing? If I have an open account why do I need to be on a contact list. '' Nevertheless, I proceeded and asked how do I get back on the contact list and I was told to write a letter and send it by email. So I did and I immediately started receiving spam calls, messages, and emails. I was told I couldn't make online payments and I had to call XXXX XXXX XXXX to make payments or send via XXXX XXXX. I have paid over {$7000.00} on this car just for it to still be at the same amount of {$12000.00} 2.5 years later. I still have not received a copy of the contract that I requested and it has been over 30 days. Another complaint is that they are charging me an ACH return fee of {$30.00} a month for 2.5 years and I've never had this account linked to a bank account for automatic drafts. When I brought this to the rep 's attention, she said I do not have an auto-pay setup. ONLY XXXX OF THE {$300.00} A MONTH IS GOING TOWARDS THE PRINCIPAL!!!!!!! DO NOT DO BUSINESS WITH THIS COMPANY!!!!!
Consumer complaint received 2023-05-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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