davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

So capital 1 closed all my credit cards due to a mix up with payment. When making payments I explain to them the wrong bank account was chose, which was suppose to be the capital one bank account instead of XXXX due to this happening they closed my account no warning or nothing. I didnt get any information regarding the incident via phone. I just notice because my account says restricted which I thought I had to catch up on payments. So a simple mistake is going to affect my credit for 10 years. They closed three credit cards. I tried to reach out to them about the issue but they told me nothing can be done
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Credit Acceptance, LLC (HI)

An {$26000.00} auto loan for American Credit Acceptance showed up on my credit report that I am totally unaware of. It was opened in XX/XX/XXXX and recent monthly payments of {$660.00} have been missed or overdue. I called American Credit Acceptance twice. I spoke to a XXXX named XXXX on XX/XX/XXXX and a worker named XXXX on XX/XX/XXXX. Initially I asked how to report identity theft and XXXX said she would forward the information to the fraud department and they would reach out to me. I haven't heard anything back. When I talked to XXXX she gave me a little bit of information about the account and said she would email me a copy of the loan document, but I haven't received it. I also emailed the company on XX/XX/XXXX reporting that this is fraudulent and that I should not be liable for this account. They didn't email me back, so I emailed back on XX/XX/XXXX and they still didn't respond up until now and it's been past 30 days.
Consumer complaint received 2023-12-29
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)

I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXXXXXX XXXX XXXX XXXXXXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify this issue.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (WA)

Continue to receive multiple requests through email from Navy Federal Credit Union to approve direct deposits the XXXX most recent on the XXXX and XXXX of this month in the amount of XXXX discontinued banking with them about three years ago and have reported this several times to their fraud and phishing addresses and platforms
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this XXXX account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.
Consumer complaint received 2024-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

During the recent platform transition of my federal loan servicer, MOHELA, to its new studentaid.gov site, I had an autopayment made in the amount of {$180.00} that was deducted from my bank account on XX/XX/year>. Now that the transition is complete, the total loan amount does not reflect this payment as ever having been made. This amounts to theft. Additionally, MOHELA did not transition any of my statements or records and has deleted them from their old platform. They have denied me access to my own account records.
Consumer complaint received 2024-05-15
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 recently examined my credit report and saw accounts that i didn't recognize. i noticed several billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OR)

I received my periodic credit report from XXXX XXXX Bank. 
There was a credit card account shown on the report from JPMCXXXX ( JP Morgan ) that was opened XX/XX/2024 in my name that I have no knowledge of. I have never done any type of business with them. I contacted them and their fraud department took a report and will be contacting me. They instructed me to contact XXXX which I did. XXXX 's case number is XXXX.
Consumer complaint received 2023-12-29
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. (IL)

XXXX XXXX XXXX Account # : XXXX I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain, Per the Fair Credit Reporting Act this is a violation of requisite Metro 2 Compliance reporting standards and I also have the right to a fair and accurate credit report, therefore ant information that is not true, accurate and verifiable is required to be removed. I demand you remove the inaccurate information immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my report showing your compliance with all FCRA and Metro 2 Reporting requirements.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PR)

Chase credit card close my account a Marriot XXXX without my knowledge and dont receive a letter and I have a balance of XXXX and I want to payoff and because the account is closed I can make a payment and dont take me any options.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I have multiple messages from Affirm informing me im late on loan payments. I have had only two loans with affirm in XXXX of 2024 and both are completed. My account is clearly compromised and these new loans are not done by me.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I PAID MY BILL IN FULL VIA XXXX ON BOTH MY CAPITAL ONE BANK CREDIT CARD AND I SEND SPECIFIC WRITTEN INSTRUCTION BOTH TO THE CFO XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH OF THEM IGNORE MY REQUEST AND REFUSE TO RETURN MY SECURTIES, AND THEY CLOSED MY ACCOUNT WITHOUT PROVIDING A VALID EXPLAINTION, IF THE CFPB WON, T HELP I WILL HAVE TO GET THE securities and exchange commission INVOLVE OVER THE YEAR CAPITAL ONE BANK HAVE MULTIPLE SEC LAWSUIT WHICH IS A CLEAR SIGNED OF DISCEPTIVE BUSINESS PRACTICES
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

After studying during the Covid lockdowns, Ive learned alot about laws, codes, statues, etc. 
here in the United States. These discoveries have caused me to exercise my rights to file this claim. 15 USC 6801 states that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title.

Also 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Navy Federal Credit Union, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( XXXX XXXX loan nor Navy Federal Credit Union ) ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services..
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCOUNT HAS SHOWN THAT IS CLOSED. HOWEVER IT IS INCORRECT NOT REFLECTING A XXXX BALANCE. THIS IS INTENT TO DEFRAUD. XXXX IS NOT FOLLOWING CONSUMER LAW. INTENTIONALLY CAUSING DUE HARM.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (PR)

My score dropped XXXX points for a card remark from jpmc card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and XXXX. incorrect information on my credit report.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Each and every month of this year submitted Accepted for value bill coupon payments. FNB discriminates and restricts credit access and reduces credit capability. I had to submit a XXXX  complaint to even secure the card for points and travel. This organization is a racist organization. Discriminates against Hispanic Latinos.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} 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
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (UT)

My information was sold and brought illegally because I was a victim of equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Equifax confrimation that my information has been breached # XXXX
Consumer complaint received 2024-01-31
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: LAKE MICHIGAN CREDIT UNION (MI)

II 've spoken to lake Michigan credit Union multiple times and told them to remove this inquiry and I have also spoken to XXXX. They have no record of any inquiry in my name that I have authorized in writing or otherwise. It has to be removed. I've contacted the phone number they provided me and they're fraud department and they still have not removed it. The attachment shows clearly the inquiry!
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: Experian Information Solutions Inc. (PR)

Round 1 I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (WA)

I pulled up my credit report the week of XX/XX/XXXX, and noticed that Comenity Capital/SEPH ( Sephora ) is showing up as 4 Hard Inquiry 's from XXXX and are doubled which NONE of these should be on my report let alone DOUBLED! 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Due to this incorrect reporting i now have showing 4 Hard Inquiry 's that should not be on my report. 
I want all 4 of these removed
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  AL Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-24
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion :
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2007, I was given a company payroll check in the amount of {$460.00} from my employer. I deposited this check into my account in good faith. According to the agent with the XXXX this negative information is on my TransUnion credit report and in the XXXX too. I called XXXXXXXX XXXX and they have no record of this check.