davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. 
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The estimates used for projecting the upcoming taxes payments from my escrow was very over inflated. The escrow projections for taxes is approximately {$17000.00} ; However, the actual tax bill for the upcoming year is approximately {$10000.00}. I have included the actual tax bill for reference. Thus, for XX/XX/XXXX my mortgage payment increased drastically by over 60 % due to this. I notified the company in XXXX of this issue as was assured that while this was investigated that my payement status would not be reported late. This was mentioned twice by customer customer, not being reported late, during phone calls on XXXX and XX/XX/XXXX. Unfortunately, they reported my payment status late thus causing my credit reporting score to drop over 100+ points.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MS)

I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.
Consumer complaint received 2023-10-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Global Lending Services LLC (NC)

XX/XX/XXXX Spoke with Global Lending about my payment, the lady whom I was speaking with assured me that if I made a payment on XX/XX/XXXX and then call back to set up the next payment because it could not be set up online that everything would be fine and that the car was no even in critical stages until 90 days late the car on XX/XX/XXXX would have been 87 days late. Payment was set up for XX/XX/XXXX to be drafted for my account on XX/XX/XXXX everything was fine. XX/XX/XXXX I stop at XXXX XXXX XXXX to have my car repossessed car payment was still set up for XX/XX/XXXX nothing had changed. I sit in my car in the gas station parking lot with a third-party repossession truck until the bank opens to be told that my account had no new notes that is not my problem but your employees did not do their job. This is not the first time that Ive had dealings that were unethical by this company. I was going on about my day not realizing that I was lied to and embarrass in the parking lot of sheets where we sit for an hour until the bank open. Now Im on the hook for the repo fees. Also the two truck driver was not a normal company they used and he knew all my personal information as well as payment information. He even said this process was not appropriately handled. I had to give them {$1600.00} to get my car lowered, so I could go to work. You should not treat your consumers this way
Consumer complaint received 2024-04-29
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. (PA)

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX  XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.
Consumer complaint received 2024-04-29
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. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXXday notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-29
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/ I bring myself to Bank of. America on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX california XXXX that is the Branch Where I opened mi account but is not the first time I go to this bank and the same person is Treat me bad I feel he discriminate me for some reason or maybe is like most of the Business that. People get ln the pl. Places to ask the employees to denied the Services to myself.or maybe they want to hide some information because I asked for Information about a email that I received Regarding a Some Account with XXXX XXXX XXXX XXXX he tole me that is not from bank of America and I told him that I received from bank of. America and he told me but we don't have any one from that company XXXX I Said So Where is one Location that I can get. Information and he told me on XXXX they have XXXX Speaker but at tha time was a guy from XXXX! was walking with a Lady and I look to. him and he told me he only speak English and I told him I do speak English and he told me you need appointment I ask for one lie give to me for today but I not feel comfortable don't think I go because he even told me that was no one to attended me but one of. the Associate come to ASK if we need help and he said No but he was thinking I don't understand English Even he device to another person he told him to come back in one hour Yes to denied me the Service
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/year> I have send in a Debt GoodWill Update Letter & have not heard or got any response.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate
Consumer complaint received 2024-04-29
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. (TX)

PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Consumer complaint received 2023-09-15
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Aspen National Financial, Inc. (FL)

I have been in the process of getting out of my timeshare for years. This timeshare has sold my information to this third party collection agency called Aspen National Collections without my consent. And I should be protected by the Fair Debt Collection Act.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-26
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. (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 informationisinaccurate.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/23 To : Chase Bank, Claims Dept. 
Tel : XXXX Fax : XXXX From : XXXX. XXXX, ( XXXX ) XXXX XXXX : ( 1 ) Consumer Financial Protection Bureau XXXX and ( 2 ) F.T.C. ( Report No. XXXX ) RE : XXXX XXXX XXXX XXXXXXXX RETURNED MERCHANDISE = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  RE : XX/XX/ - {$21.00} Claim Reversal This is an appeal of the claim reversal on XX/XX/. You are in violation of federal law and the Fair Credit Billing Act, and Chase will be sued for {$250000.00}, if this claim is not immediately reopened and handled in good faith and pursuant to law. 

Moments ago, I spoke to a rude woman on your telephone line, named XXXX. XXXX lied and said this was a travel cancellation and the charge was valid, because I didnt follow the travel policy. THAT IS A BLATANT LIE. This is returned merchandise, and has nothing to do with travel, or any cancellation. 

XXXX then lied, and said Chase contacted XXXX. XXXX said that didnt happen. 

XXXX then lied, and said Chase was never sent proof of return. Thats a lie, I attached it to my original claim. I have been on hold with XXXX 3 times, for nearly 40 minutes each time, and EACH TIME XXXX confirmed that they received the returned item ( which was never opened and never used! ) XXXX continued to lie, and stated XXXX disputed my claim, and provided a response on XX/XX/XXXX XXXX denies this. Notably, XXXX illegally refused to provide me a copy of this purported response from XXXX. I demanded a copy, over six times. 

Proof of XXXX receiving the return is attached, and XXXX email confirming a {$21.00} credit, is attached. Chase Bank is lying and committing fraud. 

ATTACHED : 5 Pages
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. (PA)

FCRA 605B, in my understanding, mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including incorrect amounts and dates.
Consumer complaint received 2023-11-08
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. (FL)

Company XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX Company XXXX ON XX/XX/XXXX In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts above have violated my rights. 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 section ( A ) ( a ) states : 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.