davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : 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 ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any consumer reporting agency if the person knows or has any cause to believe that the information is inaccurate. 

Experian, XXXX, and XXXX have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from Experian, XXXX, and XXXX of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these three agencies in question are responsible.

These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am a XXXX MA resident who has had a CItizens bank account for nearly XXXX years. XXXX weeks ago, I was robbed of my phone and had my identity stolen as the XXXX was able to bypass my iphone security and get past all my security credentials. My citizens bank account was connected to a peer to peer service where the XXXX was able to withdraw all the money in my checking account at Citizens through this app and the bank let it happen without any freezes place on my account. I reported to this the police and have an active investigation ongoing. I reported these fraudulent transactions to Citizens bank right away. I gave them the police report number and offered witnesses contact information who saw this happen and were with me around the time of the incident. I stayed in contact with the bank the whole time and was very cooperative. They kept telling me the investigation was ongoing and they would reach out to me. After multiple days, dozens of calls with their representatives and multiple branch employees, I was told flat out my claim was denied with no other information. The representative kept telling me still that the fraud department would call back and write back to me even though none of those things have happened so far. 
Date of fraud - XX/XX/2023. Amount taken- Nearly {$7300.00}. Police report is attached below.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I submitted a claim for the amount of XXXX. The claim was credited than reversed due to JP Chase stating that " they could not get a hold of me via phone call and didn't have the date of the situation '' They did not use another mode of communication such as Email or postmail to inform me that they needed to speak with me further. Furthermore, they stated the reason the claim was reversed was that they needed the date of when the situation happened, and during the initial processing of claims, I verbally told the claims agent the date. They even closed out the claim. I called to reopen the claim and submitted the documentation as proof. Four claim agents stated they would look into it further. My account remained in a negative state for over 3 weeks. I continued to get calls for me to take care of the overdraft fees and negative balance in my account. I informed them that the claims department made the error and needed to be corrected and I do not owe money on the negative balance. I have told this several times when Chase Bank called me several times to take care of this issue of the negative balance. 
When I informed them that I would go ahead to submit a complaint to CFPB, a manager from the claims department began to be very aggressive and authoritative towards me in his tone, and he informed me that he would not reverse the claim, it is final! '' in an elevated tone, belittling tone, and abusive tone
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

The CREDIT ACCEPTANCE account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency 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. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

Somehow XXXX XXXX opened XXXX accounts under my name and cc/ but when I try to log on to see my statement or make a payment it shows my original account which is all paid and XXXX due. I have contacted them numerous times asking for help with this and not once have they been able to delete my original account number, or provide me with access to my new account number, or some how connect the XXXX so that I can access it and make payments. Due to this I was unable to figure out how to make a payment because everytime I logged in or called it says you have XXXX do at this time.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I demand these companies to handle the items expeditiously based on the reasons that I put in my letters and update all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. items I disputed in my letters
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-21
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: SANTANDER HOLDINGS USA, INC. (NY)

I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XXXX XXXX as reported by CHRYSLER CAPITAL with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to CHRYSLER CAPITAL XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : CHRYSLER CAPITAL XXXX
Consumer complaint received 2023-06-19
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: Open Dealer Exchange, LLC (CT)

Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Consumer complaint received 2023-10-27
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. (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 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 2024-04-27
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 (TN)

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting.

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
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. (NM)

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 p

rivacy. 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 2023-12-21
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: CITIBANK, N.A. (IL)

We bought a couch from XXXX XXXX back in 22. They had some shipping delays or do they claimed. We were patient and agreed to the delivery date of XXXX, 2022. They never showed up, called or communicated in any form. I reached out to them and they kept delaying. I got suspicious and suspected I was scammed. I saw a news report and XXXX  reviews that the same exact thing was happening to other. I went to cancel my order and they said that they would refund once the bank contacted them. I disputed with Citibank. Citibank usually has great service and will send an envelope to my house or call if they need additional documentation. They did not do this. Nor was this ask posted to our account. We were credited the amount. 
Sometime later, we were charged back and admittedly we did not notice the chargeback. Later I resubmitted the dispute with the help of a bank manager because the system would not allow me to file it. I spent hours explaining the issue and asked over about 10 times why the chargeback happened, why we didnt receive the mailer asking for documentation, why they chose to believe the company over costumer and why they did not follow their normal procedures in communicating with costumers. The company still acknowledges that they owe us money, I provided ample documentation that they do and Citibank kept pushing the second dispute date forward in time. They also do not give us information regarding the statute of limitations regarding dispute times. 

The bank manager gave me great hopes that this would be resolved and I spent many hours communicating with various departments and uploading documents. It would have also been nice to know that if all parties at that time would have told me it was a total lost cause. Not one person in management or the credit cards dispute department did. They left me hanging another 3 months now thinking it will be resolved. I just called and the case will not go in my favor when they knew that all along, months ago. As I stated, on their system, the second dispute date is XX/XX/XXXX of this year but that is not accurate either. I called way before that, they just would not upload the case. 

I have never had their experience.
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (WA)

We have a XXXX Mortgage with Loan Depot, We received funding from WA State to help us catch up on our mortgage payments. I have a debilitating illness and have been unemployed so we were running short on income. We paid the mortgage but sometimes was late but only for last few months. We finally caught up. Meanwhile we applied for help with Wa State, Wa State gave the lender funds to apply to the mortgage ONLY which would have brought us up to cover more than half of XXXX. Our Lender applied the addition funds to escrow instead, stating we were behind on escrow for the amount they took. We have NEVER been behind on escrow, every month our escrow and insurance and taxes is included in our mortgage payment. On every monthly statement there shows an actual credit in the escrow after the mortgage payment is received.They claim they are justified in keeping the funds and now expect us to pay XXXX in full on our own and they will keep the additional funds in escrow. We ask them to provide proof where the escrow was owed and they're giving us the runaround. This company has also tried to make our payments late by refusing our payment even when it was on time. When we were behind we applied for hardship assistance through Loan Depot first and they denied us because they said XXXX doesn't allow Hardship assistance on their mortgage accounts. They told us all we could was to quick XXXX the home over to them. We can not afford to refinance with another bank because our mortgage payment would end up trippling because right now our interest is at 2.9 % fixed. Every other loam would increase up to 6 %.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX Incorrect information was never updated on my XXXX credit report in direct violation of FCRA rules and my rights as a consumer. 

As of today XXXX keeps validating charge off as XXXX being paid monthly and this is incorrect. Several calls to request 1099c for the charged off amount have gone unanswered, on XX/XX/24 I called to request settle despite repeated violations to my fcra rights.
Consumer complaint received 2024-04-26
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. (NY)

There are three hard inquiries on my credit report that I have no idea where it came from XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They dont belong to me
Consumer complaint received 2023-12-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

On XXXX XX/XX/2023 I received a letter from I. C. System, Inc. stating I owed {$310.00} to XXXX XXXX  and I. C. System, Inc. was a debt collector trying to collect XXXX XXXX  debt. I called them and found out that XXXX XXXX  was XXXX XXXX XXXX XXXX cell phone. I was also told that it was a commercial account. The phone number is supposed to be XXXX. 

I. C. System, Inc. recommended that I contact XXXX XXXX XXXX at the website XXXX XXXX XXXX  My browser will not let me connect to that site. It tells me that it is an unsafe site. 

I called XXXX XXXX XXXX Cell phone and they told me to write this note to their abuse email. I am also sending a copy to the FTC at www.consumer.ftc.gov and to the XXXX  attorney General web site. 

I have never had an XXXX XXXX XXXX XXXX  cell phone. I have never had a cell phone with the number XXXX. I have never had a commercial phone account. I have never received a bill from XXXX XXXX XXXX cell phone company. 

Somebody is illegally trying to obtain money from me under false pretenses. Please remove my contact information from this bill and contact the major credit bureaus about this fraud attempt and to remove any negative information about this so called debt. 

Cordially, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX