davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

Lexisnexis is NONCOMPLIANT AND NOT DEPENDABLE WHEN IT COMES TO PROVIDING ACCURACY WITHIN A CONSUMERS CREDIT DISCLOSURE! Although I have called and authenticated myself several times on the same phone call with several different representatives, lexisnexis is still addressing me as a man. If lexisnexis completed a thorough, accurate and complete investigation then there is no way this company can be claiming to have verified this alleged bankruptcy listed on my credit report???? How are you verifying any personal information for a man when I am a woman?? Why do you keep addressing me as a man when Ive sent you my drivers license, utility bill and social security card?? Please take this complaint as you have been put on notice that I am moving forward with legal proceedings! This company is noncompliant and did not complete an investigation that is fair to me as the consumer. How will you initiate a dispute on my behalf to the XXXX, XXXX and XXXX when you are referring to me as a man?? The three credit bureaus will not be able to dispute this alleged bankruptcy because you have provided them my file as being a man!!!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Aldous & Associates, PLLC (FL)

You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.
Consumer complaint received 2023-02-17
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: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX, my Apple Card ( run by Goldman Sachs ) was charged {$770.00}. I reported the transaction as fraudulent and put in a dispute on XX/XX/XXXX. 

Apple Card had done " internal review '' and the case has been ruled against my favor. When calling and or chatting with Apple Card Specialist at Goldman Sachs ( only method of communication with the credit card ), they can not to tell me more about the fraudulent charge or provide any reason as to why it was ruled in the merchants favor. I have requested from merchant evidence, but have not received any. I have since disputed the charge 3 additional times after the initial dispute. So a total of 4 disputes. The additional dispute dates as follows : XX/XX/XXXX, XXXX XXXX ( Dispute case number : XXXX ). 

Apple Card Supervisor claim all they can do is dispute the charge. Nothing more. On the last disputed submitted, the Apple Card Supervisor created a 3 way phone call between him/her-self, an Apple Store Manager, and myself, with the goal of attempting to look into what was charged on my account. Upon doing so, we were unable to locate any charges on my account despite my Apple Credit Card being charged {$770.00}. We submitted one final dispute ( 3rd one ) on XX/XX/XXXX. However, today on XX/XX/XXXX, the case was again ruled against my favor. When calling Apple Card Supervisor, they cant provide me with why additional information and claim I need to put in another dispute. I have been attempting to remove this fraudulent charge for almost close a year. Apple Card keeps declines my fraudulent charge dispute, is not providing me with any meaningful merchant evidence, and keeps passing the buck the next department and saying hope they will do job
Consumer complaint received 2023-05-26
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. (NY)

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$600.00} Credit Limit : {$0.00} {$600.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Requested statements for both accounts under PROCOLLECT. Called procollect and the refused to provide the statements to me and kept asking me to pay. I requested statement emailed or mailed to me and they declined both. I also asked for emailed or mailed account # s for mine and also refused that. They did verbally provide me the account numbers. XXXX is XXXX. XXXX is XXXX. I need a copy of both statements please for both accounts under procollect.
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am NOT HAPPY that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 


XXXX  XXXX XXXX XXXX - {$0.00} XXXX  XXXX - {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This account was opened on following date : XX/XX/XXXX, and have continued to be reported for date opened XX/XX/XXXX for balance of {$1000.00}. This is inaccurate date reporting and balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX, Equifax, and XXXX failed to investigate this account properly afterI repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX Account number # XXXX amount {$1000.00}.
Consumer complaint received 2024-06-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am writing to formally dispute the garnishment of my wages by XXXX XXXX XXXX XXXX, which I believe to be a violation of my consumer rights. I request that this garnishment be investigated and if found to be in violation of the law, that it be lifted immediately. 
Under federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Credit Protection Act ( CCPA ), regulations protect consumers from unfair and illegal garnishment practices. I believe that Credit Acceptance has violated one or more of these regulations in their efforts to garnish my wages. 
The following are the specific concerns that I would like to bring to your attention : XXXX. Improper notice : The FDCPA requires that a creditor provide written notice to the debtor before initiating a garnishment action. I have not received any such notice from Credit Acceptance, informing me of the intent to garnish my wages. 
XXXX. Excessive garnishment : The CCPA limits the amount that can be garnished from an individual 's wages. In my case, Credit Acceptance has garnished more than the maximum percentage allowed by law, causing me and my family undue financial hardship. 
XXXX. Invalid debt : I dispute the validity of the debt that Credit Acceptance claims I owe. I have requested validation of this debt on multiple occasions, as is my right under the FDCPA, but have yet to receive any evidence to substantiate their claim. 

XXXX. Violation of state laws : I believe that Credit Acceptance may have also violated state laws governing garnishment actions. I kindly request that you investigate these potential violations as well. 
In light of these concerns, I respectfully request that the court review
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: EQUIFAX, INC. (WA)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed a late payment posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (KS)

I applied for a personal loan online on XX/XX/2024 on the Penfed Credit Union website for the loan amount of {$13000.00}. I applied as a single applicant and was denied. After being denied my spouse agreed to be added as a joint applicant. We were denied on the joint application as well. I spoke to Penfed on the same date to understand the reason for denial as I have an outstanding credit score/history. Penfed indicated that they would be mailing a letter of denial with the denial reason. We both received the letter of denial with the same reasons of denial as follows : utilization of accounts, number of accounts, and/or occurrence of a derogatory event. 

The reasons provided by Penfed for denial are ambiguous due to the fact that : - On the same date, XX/XX/2024 after the denial from PenFed I applied as a single applicant for the same amount and loan type with another lender online and was approved in minutes. 

In addition my credit details are as follows : - XXXX XXXX of XXXX ( per Penfed ), and XXXX by XXXX - A credit usage percentage of XXXX XXXX ( less than XXXX XXXX  is considered good ) - Total outstanding balances {$6300.00} - XXXX credit card accounts open ( XXXX accounts with a XXXX balance owed and XXXX with a balance of {$6000.00} owed ) - No history of late payments - No negative or derogatory history Due to the reasons for denial being untrue and my strong and solid credit history. I have no other reason to believe that disparity is confirmed and that I was denied due to the fact of having an XXXX American, XXXX name, and being XXXX years of age. This leads me to believe that PenFed is engaged in unfair credit lending practices.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FC HoldCo LLC (CA)

Back in 2019 I discovered fraudulent activity involving my name thru numerous bills and other documents being delivered to my address claiming I own a vehicle that I never purchased or drive. Im also receiving tolls and a poor XXXX XXXX because of this problem. I asked the company on a numerous of occasions to have my name taken off that account or I will press charges they agreed to disagree and I now have the police report to prove my innocence. And will go further with the law in order to clear my name.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy. 

Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles. 

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. 

Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. 

I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.

Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. 

According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). 

I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Consumer complaint received 2024-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank XXXX XXXX XXXX  as well as XXXX XXXX XXXX XXXX my mother was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because he was going to divorce her. The very fact that my name was signed by my brother on forms so that my mother could still my entire inheritance from me is XXXX. I was never supposed to be placed on conservatorship that's confirmed by the California judicial performance and a State Bar they've already erased that from my record. I have forms that state that too from the XXXX XXXX  investigator XXXX XXXX. I'm wanting to get my XXXX inheritance backed at my mother stole from me I don't care what JP Morgan and Chase Bank have to do about it but they can go after her for her fraud her grand theft because my mother also has home refinance loans in my deceased father 's name who died in XXXX of XXXX. She opened a {$100000.00} home refinance loan in XXXX and XXXX from home side lending Incorporated she lives in XXXX California and she got these loans from XXXX XXXX XXXXXXXX XXXX from XXXX XXXX Texas for {$100000.00} each time. Not only just that but she also signed a non-revocable will and Trust from my father 's name he was miraculously alive to sign it into her name in XXXX XX/XX/XXXX. He put a non-revocable will and Trust in my mother 's name into a living will and Trust by using a intervivos trust transfer form. So that being said how is my father going to die in XXXX but able to sign a form in XXXX for JP Morgan Chase Bank that's pure fraud and furthermore they can't give money monies can't be awarded to somebody who is XXXX XXXX XXXX XXXX of my father so says that California penal code I have the right to sue the entire State now by them not complain to my request they can not even speak to my mother about my father 's inheritance they have to contact me which they never did so I will be talking to an attorney tomorrow I promise you that Monday morning I'm going to sue the XXXX out of them I don't give a XXXX and I'm going to have my mother face XXXX XXXX now cuz now it's warranted at this point it's taking everything in me not to go over there and exchange words with her right now. She could be in compliant XXXX XXXX all she wants she can be that XXXX in prison I don't care so that being stated I suggest JP Morgan lawyer up because I'm about to and I'm going to take them down too