davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (NY)

I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving The CBE Group any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If The CBE Group can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and The CBE Group continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.
Consumer complaint received 2023-09-20
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: FIRST PORTFOLIO SERVICING INC (FL)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2024-04-12
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 information is inaccurate.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MD)

Greetings, I had a large amount distributed into my XXXX account from my college refund check from my college and I tried to withdrawal it at the ATM but I was able to withdrawal some but not all of it because theres a limit on withdrawing on XXXX. I cashed out the rest of my money into my chase so I can withdrawal it all at once. When I went up there to the branch for some I wanted to withdrawal the money out but they said they cant help me because I didnt remember my pin at the time and I didnt have my 2 proof of ID verification but I came the next day and had my 2 proof ID than they told me my account was suspended out of no where and than I asked them why than they said they need proof on where I got the money from I went to my college and provided all the documents they needed they was able to reopen my account but my money was never able to be received and with out my money I will be in debt.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CT)

Chase notified me by letter on XX/XX/2023 that it was closing my Checking, Savings, and two credit card accounts. The accounts closed on XX/XX/2023. 
I understand the reason they closed ( there was an unfortunate instance where my accounts were compromised. Chase resolved this at the time by re-papering my accounts and they were able to stop hackers from using my personal data to open fraudulent accounts ). I have no issue with this. 

In the letter, Chase outlined very specific action steps to take before XX/XX/XXXX. 
My complaint is they never listed that they would not allow me to electronically download my Statements. 
I have a lot of activity and I need to download activity electronically into XXXX XXXX. I work for a XXXXr and we offer access to electronic statements for up to 2 years after an account is closed. 
I made a formal complaint with the branch. Chase did provide me with printed statements but the need is for electronic access to PDFs or XXXX. 
Please ask Chase to be more specific in their formal letters to clients when they act to close a client 's account. To be specific about not having electronic statements when notifying clients about their account closure. 
XXXX XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc. (IN)

I have spoke with Consumer Portfolio Services corporate and sent in 1099 that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged. The company claims they did not discharge the debt and that I am still liable although I have provided all necessary documentation as well as sent it to the companies indentured trustee who is also not responding. I have sent a letter to the indentured trustee with this information also. The IRS has accepted the 1099 and CPS actually sent me the copy B to the 1099 form, not the IRS. CPS is stating they did not send that. This is stated on a recorded phone call with a manager of corporate. Please forward this 1099 to the indentured trustee of CPS per your Sec.gov filings and ensure my account is updated.

I have also called and emailed several VP 'S and the CEO of this company with no responses. This is unacceptable.

Thanks to this situation. My XXXX which I have been free from for 3 years have started again from the stress of this.
Consumer complaint received 2024-04-12
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

The details were released about a month after Wells Fargo entered into an agreement with the CFPB just before XXXX 2022. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to a victims relief fund as part of a civil penalty.
Consumer complaint received 2023-12-01
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. (CA)

I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. TransUnion has dated opened as XXXX and XXXX XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from TransUnion is XXXX and XXXX XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while TransUnion XXXX XXXX have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all 3 credit reports.

See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.
Consumer complaint received 2024-04-13
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: Experian Information Solutions Inc. (NY)

This account was charged off on Experian on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX  120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on XXXX it is reporting 120 days late in XXXX XXXX, 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX.On experian it is showing 6 Potentially Negative Months, On XXXX it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on XXXX it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX  -Account Number XXXX Enclosed is a copy of my most recent credit report
Consumer complaint received 2024-04-13
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. (FL)

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX  pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of XXXX  by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.
Consumer complaint received 2023-12-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

Care Credit opened XX/XX/2022, sole purpose to use for medical needs as they arise. Used XX/XX/2022 but paid balance off in XX/XX/XXXX, carried XXXX balance with a limit to use for future needs. Care credit closed acct at the " recommendation '' of the credit bureau bc it had a high risk negative effect on my credit! A good standing account with XXXX balance owed. Advised me to reapply for a NEW card/account and of course I was now denied. My credit score was directly impacted by CLOSING of account by Care Credit/synchrony bank
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (NC)

Upon reviewing my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-09-20
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-29
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. (SC)

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 2, My correct name is as mentioned above 2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX My correct address is as mentioned above. 
3. Phone Numbers : 1, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX 2, My correct phone number is ( XXXX ) XXXX 4. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXXXXXX listed in my report are incorrect. 
5. Incorrect Account : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AL XXXX Account # XXXX XXXXXXXX
Consumer complaint received 2023-06-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JMC Leasing Specialties, LLC (AR)

We leased a car my husband an I together in XXXX  from JMC Leasing its not reporting my payments at all but its reporting my husband another car lot paid it out XXXX  an we got another car from XXXX an its on my report immediately Ive contacted JMC Leasing about them not reporting my payments an they said they would fix it that was months ago recently Ive written to the 3 major credit bureau about this problem Im having still waiting on response it started in the beginning reporting an all of a sudden it was off my report I have 2 loans on my report now for my 2 cars an they both are on there car has recently been paid off please help me my credit should be more than what it is it was a XXXX XXXX XXXX I contacted them several times about payments not being reported XX/XX/XXXXXXXX  an XXXXXXXX  an nothing has happen XXXX  was the man that I was talking to