davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have a personal checking account with Chase Bank. 
I had an overdrawn balance. 
I was going to deposit money into the account to bring the account positive. 
Chase Bank closed the account without sending any prior notification that they were going to close it.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to formally lodge a complaint against XXXXXXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX XXXX Account Number : XXXX Balance Owed : {$2100.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX  account was paid in full and collection agency agreed to delete and remove this account from my credit report upon receiving payment. This account still shows I owe a balance and has not been deleted from my credit report.
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NY)

I got a credit builder loan ; whereas, I don't receive access to the money until the end of the loan payments. I tried to connect my new bank account on its " site so payments can be automatically debited but it does not allow. However, the same bank account I tried to connect for payments to be debited is the bank account that is connected to funds deposited.

This cause high stressed as online support was not helpful and I would not get the max of my installment loan after paid. I in-fact receive the amount that was deposited from my old bank account, but the site won't let me update my account information and charge-off my account on my credit report when it still provided a deposit into my account it wouldn't let me connect at the end of the loan terms.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (NC)

I had an unauthorized renewal charge, I contacted the company and they refused to refund it so I disputed it as fraud and unauthorized. Credit Karma XXXX has twice denied it and wont credit me the over {$100.00}. They also are jerking me around on another {$170.00} that was scammed from me. Ive emailed credit karma but they say they never receive my emails so they deny the claim. You cant just talk to someone on the phone and I dont want to play email tag anymore. Ive already reported them and the company that charged me without authorization to the XXXX as well. Meanwhile Im out money thats mine and they wont credit me.
Consumer complaint received 2024-07-08
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (WI)

When i went into the location regarding a loan i asked specifics, with my background in banking i ask the XXXX ( XXXX XXXX XXXXXXXX XXXX ) if i would get and amortization schedule before signing for the loan, he advised sure it'll be in my packet, i completed the process and they advised i would get my packet online, when i opened it up online it wasn't in there, with my background i used the loan term and rate to create one, to my surprise, 98 % of each payment was going to interest, if I'd known this i wouldn't have taken the loan, i file a complaint with the DFI in Wisconsin, it's not going anywhere, i offered we could renegotiate the loan for XXXX, with the XXXX I've already paid, they refused, they called and advised this is and attempt to collect a debt, i advised them of the Fair Debt Act, they've yet to send me any paperwork, I'm at the edge of my rope, PLEASE HELP, IN LIGHT OF THE NEW NEWS : PERSONAL FINANCE The U.S. wants to crack down on payday loans. Heres what you need to know. 
The Consumer Financial Protection Bureau is trying to get back in the game to curb predatory lending, while some states have already passed borrower protections on their own. 

Advice by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (AR)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

I am writing to file a formal complaint against Exeter Finance LLC regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 

Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy.

o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates. 
o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA. 
Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes.

Given these provisions, Exeter Finance LLC and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish or report any transaction history related to this account. Their actions in reporting this information without my permission are against the law. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 
Best
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

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 2024-06-06
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. (SC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

Experian is persistently reporting an account that does not belong to me. Despite multiple letters sent to them, they continue to remove and re-add the erroneous account to my credit files. This account and balance do not belong to me, and it is clearly a case of fraud/identity theft. XXXXXXXX XXXX has explicitly stated in a letter that they would remove this account ( letter attached ), in addition to the police report and FTC report that have been filed. This blatant disregard for regulations and continuous harassment are unacceptable. I demand immediate action to rectify this issue and remove this account from my credit file.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had returned a item back to XXXX and they refunded me back that amount but it went to a account that was closed. The bank citizens bank was supposed to issue me that amount back by a check they didn't. I have been going back n forth about me getting my money that I desevered and I have still not seen my money.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NM)

I applied for a Citi XXXX XXXX XXXX Credit Card when purchasing an airline ticket on XXXX XXXX website. The offer was to apply and receive a credit towards the purchase of my airline ticket ( see attachment ). I clicked on the Citi Bank link, and proceeded to apply for the card and was accepted immediately. However, Citi Bank did not provide me immediately with my account number so I could not purchase the ticket with my new credit card. This is FALSE advertisement and needs to be rectified.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from my credit reports.
Consumer complaint received 2018-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/2018 I filed a written dispute ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) directly with Credit Acceptance Corporation located in XXXX, Michigan regarding inaccurate payment history they posted to my consumer credit reports. I identified and list each error by month and year. Under the Federal Law, I requested copies of specific records that they keep during the normal course of business. 

I waited more than 30 days to her the results of the investigation and view copies of invoices and payments that I requested. To date Credit Acceptance has not investigated nor responded to my dispute or request for inaccurate payment history to be deleted from my credit  reports. 

Thus far Credit Acceptance Corporation has ignored me and the law. I am requesting your assistance in having Credit Acceptance comply with the law and remove the inaccurate payment history from my credit reports.
Consumer complaint received 2024-06-13
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (KS)

In XXXX XXXX I paid off the CC for XXXX and verbally requested Catherine 's CC which is owned by Comenity be closed. At which time I was informed it would be done. My mail is being forwarded and I am in the process of relocating. In XXXX, I opened a bill to find that I had accrued late fees, interest charges on {$3.00}. When I closed the account in XXXX, I had a XXXX balance. When I called the company, I was informed that I could not actually close the account with a balance and the balance was a carry forward for the time between the bill cycle and when I paid it off. However, when I spoke to the CSR in XXXX, I was told it was a {$0.00} balance and closed. I was not notified that my account could not be closed because of a balance. In XXXX when I called to find out why I was still receiving bills, it was explained to me that my account was not closed as requested because of the {$3.00} and interest and late charges were being applied. I requested that all be credited and again I was informed no problem. After that was completed, I asked the CSR to close the account. As of XX/XX/XXXX, my account was closed. It is now XX/XX/XXXX and I am right back where I started in XX/XX/XXXX but with a closed account and an accruing balance. I called and spoke with both a CSR and Supervisor and was told that because the account is closed, they can't reverse the charges. My question is how can a CC have past due, late, and interest charges when it was {$0.00} by Comenity Bank and closed? In XXXX I was told that an account can't be closed if it has a balance. So we have a contradiction here. 1 ) It was either closed with a XXXX balance, 2 ) I was lied to the first time and it should have been closed in XXXX of XXXX because it can be closed with a balance, 3 ) The charges can be reversed on a closed account. Someone is not telling the whole truth. When I call the Comenity bank number the automated reply gives a XXXX balance, XXXX. Again, a discrepancy in the system.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

Cold call from fake financial institution. Voice mail left : " Hi XXXX this is XXXX calling from Chase Federal credit Union I was calling in reference to your account if you could please give me a call back phone number is XXXX again name is XXXX and I'm notified federal credit union I run the business services department phone number is XXXX thank you bye-bye. XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, 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)

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with Experian, XXXX XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. Experian, XXXX  XXXXhas FAILED to do so. I feel as if Experian, XXXX XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if Experian, XXXX XXXX  and I can resolve this issue without having to see a courtroom. I will await Experian, XXXX XXXX response before I disclose any of my personal information.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 
Specifically, regarding the accounts below : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CO)

I scheduled a payment for my Mortgage on XX/XX/XXXX to draft on XX/XX/XXXX. Over the last few weeks, my mortgage servicer has changed their name, website, and tooling for payments. They can not provide me an answer to the question of weather the scheduled payment will still be drafted and applied as scheduled.
Consumer complaint received 2024-06-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (TN)

Was in an urgent situation to avoid a relative from getting evicted. Borrowed XXXX and payment amounts were outrageous! It caused many hardships! We can feel the effects of things we caused, and your company is hard and cruel to your customers. We understand that interest is to be expected when we borrow, however your company is hard, inconsiderate and cruel.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt.

15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation.

These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.
Consumer complaint received 2024-06-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XXXX XXXX Spoke with XXXX from Credit Acceptance Corporation to request documents for validation of debt. She informed me that the debt is being serviced by XXXX and XXXX phone number XXXX and I Could request documents from them. Contacted XXXX and XXXX at XXXX XXXX  and was told that I owed the balance and they would mail me a letter. 

I am Requesting the following -Original Contract -Full payment history -Notice of default -Notice of Sale -Explanation of calculation of surplus and deficiency -Notice of XXXX of personal property I would greatly appreciate these documents. I look forward to their response
Consumer complaint received 2024-06-22
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.