davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft I signed into my Experian made a new account in XXXX of this year and I seen Mutiple names inquiries all on my account. I called Experian in XXXX to ask what to do and they told me to upload documents to support the dispute Ive sent over 3 letters and im not getting any answers.
Consumer complaint received 2024-07-09
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. (CA)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (AZ)

I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 XXXX XXXX and pursue litigation
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America recently closed my credit card with no notice whatsoever. I was late on payment ( I thought I had set up automatic payments on this card - apparently I had not ). I had previously designated a new email address ( GMAIL ) as my preferred contact. ( an older XXXX address was also on the account ). I logged in to make payment in full, and was notified the card was canceled. I chatted online with XXXX different BofA representatives who confirmed card was closed, could not be re-opened, and I would need to apply for a new card. They could not confirm that any communications were sent to my primary contact e-mail. I checked my inbox multiple times after the exchange, and NO communications were sent from BofA, to warn of account closure. I have had this card for over 10 years. The overdue balance was less than {$300.00}.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH XXXX  XXXX 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 those accounts 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 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 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NJ)

On Saturday XX/XX/16 I contacted MoneyLion and asked them to please help me get current in my payments. I took a {$500.00} loan from them and they held {$75.00} in a " Credit Reserve account '' So the loan was {$420.00} with {$75.00} held for me. I fell behind on payments of {$23.00} due to the fact that my checking account was flagged for fraud and some other issues. 

I contacted them to please release the {$75.00} so that I could catch up on the loan payments using those funds. I don't want the money back. I just want to use the funds to catch up. They refuse to release the funds. They said they would only release the funds if my balance on the loan was {$75.00} or less. Now this is my money and this is extremely unfair that they will neither give it back or use it towards loan payments. THey are essentially holding it XXXX!! 

Additionally, they are holding this money that could have made me current and they reported me XXXX  days late to the credit bureau. 

I asked to speak to a sueprvisor on XXXX different occassions and they always say XXXX is not available.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I froze my credit reports in XX/XX/XXXX with all 3 credit agencies ( TransUnion, XXXX, XXXX ) to protect myself from identity theft. I have confirmation emails and saved PIN numbers from all 3 credit agencies. In XXXX, I attempted to get a car loan, and in the process, I attempted to unfreeze my credit score with all three agencies. I had no problem unfreezing it with XXXX and XXXX. On Transunion 's web page, it would not allow me to unfreeze it. I spent hours upon hours on the phone with Transunion in XXXX to try and fix the problem. I couldn't even request a credit report from them. Supposedly, they fixed the problem. Now, in XXXX, XXXX, 3 months later, I attempted to unfreeze my credit score to get financing on a travel trailer, and Transunion STILL does not allow me to unfreeze my credit score. No problems with XXXX and XXXX, but I am denied credit because the lender uses Transunion. Transunion is in violation of the law. I have spent more time on the phone with Transunion this week trying to resolve the situation, but it still is not fixed. I have case numbers and phone records of my interactions with Transunion.
Consumer complaint received 2023-12-19
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. (VA)

I reached out to Experian, XXXX and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX XXXX Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Hello, I am reaching out regarding the following information I listed from reviewing my credit report. The inquiries listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the inquiries listed. Please advise thank you.
Consumer complaint received 2023-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL has not provided me my 1099-C for a charge-off/written-off account which is required by the IRS. NAVY FEDERAL said that they do not have to which is deceptive and misleading. They did not provide me with documentary evidence pursuant to 15 usc 44. They compiled billing statements that did not prove any alleged debt. I a not asking you to " verify '' anything. NAVY FEDERALS policy does not supersede federal law. 

GA code XXXX states any " debt '' that is the result of a promissory note has a statute of limitations of XXXX  NAVY FEDERAL is still reporting this charge-off/collection account to all credit reporting agencies. NAVY FEDERAL has continued unfair debt collection practices and has caused me great harm financially and has ruined my reputation as a consumer by furnishing this inaccurate, outdated, and unvalidated information. 

This action by NAVY FEDERAL, reporting collections/charge-offs, late payments, and other derogatory information on my consumer reports, is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

In light of the above, I kindly request that NAVY FEDERAL take immediate action to rectify this situation by removing the derogatory account information from my consumer reports within 14 days of receiving this letter. Failure to do so will leave me with no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Working with Capital One Auto Finance on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2014. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX and XXXX are still showing this account of report.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (NC)

My name 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 2024-07-04
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-27
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MD)

MY BOYFRIEND TOTALED MY CAR ON MOTHERSDAY AND I AM STRUGGLING TO GET BACK ON MY FEET AFTER THE ACCIDENT I HAD TO BUY 2 CARS TO GET A WORKING CAR. I BOUGHT A USED CAR WHICH COULD NOT PASS INSPECTION AND THEN I HAD TO BUY A SECOND CAR TO REPLACE THE CAR THAT COULD NOT PASS INSPECTION I HAD A SMALL OVERDRAFT WITH MY BANK AND I WAS WAITING UNTIL PAYDAY FRIDAY TO STRAIGHTEN IT OUT ACCORDING TO THE BANK WEBSITE AND WHAT I HAVE BEEN TOLD IN THE BRANCH YOU ARE ONLY SUPPOSED TO BE CHARGED 3 OVERDRAFT FEES CHASE BANK CHARGED ME 5 OVERDRAFT FEES CAN ANYTHING BE DONE TO STOP THIS FINANCIAL ABUSE ON A XXXX XXXX XXXX WOMAN
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-11-06
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I made a purchase online at ramaworks.store. 

This purchase was to be delivered the following spring approximately two quarters later. It was then delayed indefinitely and still has not been delivered. They have violated federal laws from the FTC by not offering a full refund after the delay and still refuse to respond to my or any other customers about the refund. 

I contacted my bank, Chase, with whom I made the purchase on a credit card and they refuse to initiate a chargeback to get my money from this fraudulent retailer.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tarpon Financial Corporation (GA)

I was given a bill of sale the day I purchased the car, the amount agreed upon was {$10000.00} at a XXXX XXXX XXXX XXXX  dealer. I put {$2000.00}. down payment on XX/XX/XXXX which left me owing {$9000.00}. I was not ever given or shown a finance charge, I was not told that they would be selling my account to a financial company in 3 months, but that is what they did, and when I requested the contract and fee schedule and payment history for the second time on XX/XX/XXXX, I received a payment history that does not match up to my receipts, and I have already paid {$12000.00} per their payment history, but I have at least XXXX {$1000.00}, cash receipts from the car lot that are NOT on the payment history they sent me, and nowhere on my bill of sale is there any reference to a finance charge, nor was I told about a finance charge and their saying I agreed to pay {$14000.00} which is NOT TRUE! I lost my job recently and they say I still owe some {$2000.00} plus dollars to them, and this is NOT TRUE! This is complete and total fraud! I have all the evidence I need to prove my case in court and I am planning on seeking the XXXX in damages due to the negligence of not only the car lot, but the financial company as well, they are liable both separate and together, because the financial company works in-house at the used car dealership and customers are not informed of any of this fraudulent activity, like selling the in-house financial company customers accounts after 3 months. It's not about what kind or type of people buy cars from used dealers, it's about fairness, it's about honesty, " TRUTH IN LENDING '' for me, it's about the fact that I have paid them very well for this car and at least XXXX people, on XXXX separate occasions, pocketed {$1000.00} each of my money, and they expect that I am going to allow them to just defraud me like this, while I am honest, hardworking, and intelligent, this is exactly the type of dealers that do NOT deserve to have license to take peoples money that is NOT rightfully due to them! I can not pay anymore for this car, I should not have to pay more- I'm taking this to court ASAP. I am also making complaints to every bureau available. This is unnecessary fraud of the PEOPLE!!
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

In regards to three accounts on the credit reportXXXX. XXXX, XXXX. XXXX XXXX. CITI CARD, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy.

Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent.

Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX