davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. RE : your client JPMorgan Chase Bank , N.A . Reference XXXX From : XXXX XXXX. Please take notice that on XX/XX/, I filed 4 multiple 25 + page comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX  which have been assigned 4 separate case numbers which I will seek to be resolved in hearings with separate arbitrators. Chase was served on XX/XX/XXXX   with all my 4 individual case filings and Chases other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees as my consumer fees have been paid what is due. The arbitration cases relate to every one of my 4 Chase accounts, including those that I have received notice that have been assigned to you as a Debt Collector, Including your files with reference numbers XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of Chase. As you know, I have been demanding for almost a year that Chase file its claims with the XXXX pursuant to the arbitration provisions. Due to Chases failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant in 4 separate cases. I strongly suggest that you promptly recommend to your client that you proceed with your own claims in its own separate arbitration demand filings, the forum required by the arbitration clause written by Chase. I demand arbitration! I will not tolerate any frivolous attempts to litigate disputes in courts and I will automatically and permanently STAY any attempts to bypass arbitration by Chases filing court complaints. Lets Arbitrate! Sincerely XXXX XXXX
Consumer complaint received 2024-01-30
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. (CA)

According to the FCRA these companies have violated my rights, the law states that 15 U.S, C. 1685975 1 section 602 ( 4 ) my right to privacy 15 U.S.C. 1681 subsection c written instructions by consumer 15 U.S.C. 1681 subsection 23 reporting inaccurate XXXX XXXX XXXX XXXX... .. did not provide me with contract with my signature on it XXXX XXXX... .. did not provide me with written contract with my signature on it XXXX  XXXX...... did not provide me with written contract with my signature on it XXXX  XXXX ... .. did not provide me with written contract with my signature on it XXXX XXXX  XXXX .... did not provide me with written contract with my signature on it
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MA)

o Whom it May Concern, I financed a new vehicle with Santander Consumer USA on XX/XX/23. The amount I financed was {$38000.00}. 
I received my first statement From Santander on XX/XX/23. The statement date was XX/XX/23. The statement noted the payoff amount was {$38000.00}. I sent a check to Santander the following week for the payoff amount. 
I received another statement from Santander in the week of XX/XX/23. The statement date was XX/XX/23 and the payoff amount was {$38000.00} which was a {$100.00} increase over the statement I received just a week before. 
I called Santander and noted that I had already sent a check for the first payoff amount of {$38000.00}. The Santander rep I spoke to said they would honor the first payoff amount. 
I called Santander customer service on XX/XX/23 to ensure the account was paid and found that there was still a {$140.00} balance due. I then spoke to XXXX, rep ID XXXX, about the issue and explained everything to her as noted above. She noted there was nothing she could do. I paid the remaining balance via debit card. 
I am seeking to have Santander honor the first payoff amount, as the first rep I spoke to said he would, and refund the excess {$140.00} amount I had to pay to close the account. I also think I am not the first person they did this to and there are likely other citizens who have also been subject to this fraud. 

Thanks for giving this your attention and I hope to hear from you soon.
Consumer complaint received 2023-09-22
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NY)

BMW financial has sent me a 1099-C form. I have since reported this form to the IRS. They should no lobger be reporting the charge off on my credit report. I have atached proof of the 1099-C as well as my 1040 tax form showing I reported to the IRS.
Consumer complaint received 2022-11-18
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. (CA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$88.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-29
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.
Consumer complaint received 2023-09-22
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. (FL)

XXXX THESE ACCOUNTS, IS NOT MINE C XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (FL)

XXXX THESE ACCOUNTS, IS NOT MINE C XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX This account is listed inaccurately amongst all XXXX credit bureaus. The " Date of Last Activity '' is showing a different date each for Experian, XXXX and XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2022-12-06
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AZ)

Please complete the form below. Your message is limited to XXXX characters or less. When you are finished, click Send Message. Your inquiry will be sent directly to Customer Service. 

Inquiry # XXXX Status : New Category : Other Priority : Urgent Date of Inquiry : XX/XX/2023 Date Submitted : XX/XX/2023 XXXX XXXX Your Message : XXXX is not posting the payments timely and this caused XXXX XXXX to add a {$29.00} late fee on my account. This is predatory practices. I have exported the transaction history from my bank to show the payments made to XXXX exceeding the minimum payment required ( {$50.00} every XXXX weeks ) and XXXX financing 's delay in posting the payments and then charging me for a late fee due to XXXX financing predatory billing practices. I will be filing a complaint against XXXX financing with FDIC and Consumer Protection Agency if this is not removed from my account. 
From Date Message XXXX  XX/XX/2023 XXXX XXXX I have messaged customer service at XXXX on XXXX XX/XX/2023 XXXX XXXX and have not received a response. Transactions were exported from my bank to show the regular payments sent and the purposeful and predatory delay of posting payments late on my account as payments by mail instead of in house payments.
Consumer complaint received 2018-12-23
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to Equifax disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans  aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later.  Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-16
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. (IL)

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED XXXX  - AMOUNT XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXXXXXX XXXX  - OPENED XX/XX/XXXX - XXXX XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX  XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XXXX  - XXXX XXXX - AMOUNT XXXX
Consumer complaint received 2023-09-22
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. (FL)

XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MN)

Discussed issue with customer service and fraud department at Chime and informed them of my receiving emails from Chime stating that I needed to activate my new debit card and then subsequent emails stating that the address and phone number to my account had been changed. No one could get information about an account in my name without me giving them more personal information. Just want to know if an account actually exists or if this is a sales ploy.
Consumer complaint received 2023-11-16
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-11-08
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. (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 Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account 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 2018-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

PS sent me a letter dated XX/XX/XXXX which stated that SPS is aware of the issues presented in my RESPA letter and would like to work with me to reach a resolution. However, when I called them they were not able to provide any options for a resolution. I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. There have been so many accounting issues that an SPS employee, XXXX XXXX stated during a phone call that it is impossible to validate historical amounts because the loan data came from a previous servicer. My XX/XX/XXXX Mortgage Statement, notes that my XX/XX/XXXX unpaid payment is {$3400.00}. However, on my XX/XX/XXXX Mortgage Statement it shows my XX/XX/XXXX unpaid payment was {$2400.00}. To date they have not provided an explanation. Finally, they raised my interest rate to over 7 % and did not send a notification. Now, they are threatening to throw me, my XXXX children and XXXX dogs onto the street within days of the holidays. They need to do what they said and work with me on a resolution.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023, American Express denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX XXXX XXXX, so im not sure how that company can report something that isn't my account. I explained that American Express, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express Indenture agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your 10-k form that explains in detail about notes and securitization transactions from the Security Exchange Commission website . American Express National bank I ask that you please open my line of credit.

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ).

American Express and American Express National Bank has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have 5 business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc. (UT)

My loan was transferred from XXXX XXXX to Valon Mortgage XXXX months ago.. 
From the very beginning their customer service, accounts receivables processes and response to me has been horrible. 

They sent an e-mail that my complaints have been escalated but I have heard nothing. 
They moved their offices and told no one ... My first payment took over 3 1/2 weeks to post. 
Because of their shoddy receivables, I sent a written check to their new address over 9 days ago and it still has not posted! 

I am hoping that this complaint reaches the top management at Valon. 
I recommend that any other customers dealing with this horrible company submit complaints and hopefully they are driven out of the mortgage business