davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (SC)

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (TX)

TEK COLLECT INC ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$240.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I have struggled with determining how much I owe to AES. I have two loans : 1. XXXX XXXX ( {$77000.00} due ) 2. XXXX XXXX ( {$3000.00} due ) When I log on to the account, I can not determine which loan payments apply to which accounts. I can not view the details for both loans. When I called two months ( XX/XX/XXXX ) ago to alert them to the problem, they said they would fix it, apologized for the debt calls, and told me I was up to do date. Since that time, I have made 3 payments : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX The amounts vary from the monthly due amount because their online system always states that I owe a late fee. 

I received a debt collection call that I was XXXX past due. I knew this could not be true because I was told in XX/XX/XXXX that I was up to date. Since XX/XX/XXXX, I have made {$650.00} dollars in payments. I logged on to see how much I owed. It is unclear because the 2 loans are not reflected in the correct place. The AES customer service employee told me to " disregard '' the summary at the top and just focus on the " payment '' portion. I did. However, the payment history does not accurately show how much I have paid. For the XXXX XXXX account, it does not show a payment history at all. I scrolled to the bottom. I tried to pull up the paper/pdf bills. They both are labeled " XXXX XXXX : and only one contains a pdf/ The only pdf is for the XXXX XXXX account. i am not able to view the XXXX XXXX bill at all. The customer service person hung up on me when I asked for more details. I called back, and I was disconnected. I am very frustrated. I am just trying to pay the bill, but I would like the account to accurately reflect the amounts paid and applied to the correct loans. I want to resolve this, but I can not do so if I have no way of determining the amount owed, past amounts paid, and what amounts were applied to which account. Please help me determine the following : - A full accounting of each loan for one year ( XXXX XXXX- XX/XX/XXXX ). 
- Corrected online information for accurate viewing, paying, and bill summary.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CORELOGIC INC (TX)

The following inquiries are all on my credit report and were just noticed due to applying for a apartment. I do not have any knowledge of these inquiries and have also filed a report along with the Identity Theft .gov 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 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 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 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
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs 's AppleCard. Is it a scam? In the number of times that I've applied for this card, the application comes back declined due to ineligibility. I've read the eligibility requirements and found that I've met eligibility requirements the whole time to apply and reapply if I believed there was an error. Then it gives me another denial reason of, " you've applied a number of times and we can not verify your information at this time. '' I've talked with their customer service representatives just to have them state previous reasons for denial, different from the reasons I receive on my end. I ask them if they needed my assistance in verifying information required in order to possibly receive a more favorable decision, they said it has something to do with the way the information is presented on my application. My application is prefilled for me through my phone 's memory and do not see any mistakes so how am I ineligible or unverifiable when my credit is better than it was upon prior approval? Credit score is XXXX XXXX.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In my most recent communication with JP Morgan Chase, CFPB Complaint ID XXXX, the bank claims that in XXXX, we agreed to paperless statements for the account ending in XXXX. 

I am asking JP Morgan Chase to provide me with the signed documentation of this.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Credit Report Information Under 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name ] . According to my recent credit report, there is an account listed under the name XXXX with the account number XXXX. 

Upon reviewing this information, I must bring to your attention that I have not provided written consent to either furnish or obtain information regarding this account. As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, it is imperative that any information reported on a consumers credit file be obtained with the express written consent of the consumer.

Since I have not provided such consent, I request that [ Credit Bureau Name ] investigate this matter thoroughly and promptly remove the disputed account from my credit report. Additionally, I would appreciate receiving written notification of the actions taken as a result of this dispute, in accordance with my rights under the FCRA.

Please consider this letter as a formal request for investigation and remediation of the inaccurate information on my credit report. I expect prompt attention to this matter, as required by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/XXXX, BMW corresponded expressing they are in need of 60 days to provide resolution. 

The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them not 60 days. 

I would like to resolve this matter in a timely manner. Please see attachments below. 

1. Final Notice 2. Conditional Offer HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (AL)

I requested that an investigation be launched into my consumer report because there are several accounts there that were not created by me and these accounts have impacted my ability to acquire a bank account. I will attach the letter I sent to the early warning services office.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (OH)

I filed complaint # XXXX on XX/XX/2023 in response to retaliation I faced as soon as I filed complaint # XXXX with the CFPB on XX/XX/2023. The initial concern was about inaccuracies I found on my credit report. Equifax has continued to not investigate nor protect my private information. Equifax has still not provided any document from me nor verified from me that any account was accurate though I am in possession of the original contract. Equifax has admittingly caused me harm and instead of ceasing all inappropriate behavior Equifax has decided to continue this harassment despite the account being paid in full and despite documents to substantiate my claim are in the company 's possession.
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. (TN)

Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the XXXX, Equifax and XXXX credit bureaus will remove all these inquiries I listed once more in these complaints : 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
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from JP Morgan chase that they were closing my active checking account with XXXX dollars in it on XX/XX/. 

I went to bank to close account ahead of this date and have been told that I am not allowed to remove my money without permission from their corporate office. We have been waiting for approximately a hour to get clearence. Looking online I have seen over twenty references to a similar issue with chase in the last two weeks none resolved. 

No large cash transfers have occurred recently but I have bought a new car and motorcycle and wired money to those dealers. 

I have access to my account online and in person on my debt card but have only bought lunch since then. If they close my access to this account I will be unable to pay bills or buy food until this is resolved because I have had the same single checking account for the last 20 years. 

The branch manager information is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone number XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

I have a complaint regarding Chase bank not following the Card Act. 

https : //www.consumerfinance.govXXXX  My latest statement had a balance of {$12000.00} with a minimum payment of {$290.00} I had a balance transfer with a 0 % promotional rate and deferred interest that is set to expire on XX/XX/XXXX  with {$3100.00} remaining. 

According to section 1026.53 ( b ) within the last 2 billing cycles the payment : The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; I made a payment of {$3500.00} on XX/XX/. Subtracting the minimum payment of {$290.00} that would leave {$3200.00} to be applied to remaining balances. 

This amount should have covered the entire balance of {$3100.00} that was subject to deferred interest before the rest of the payment would be applied to my main balance. 

I contacted Chase and they told me they applied the excess payment to the highest interest rate ( purchases ) instead of following the card act and applying it to my deferred interest offer balance that had less than a month left. 

This leaves me with a balance subject to deferred interest within the last 2 billing cycles even though I paid more than the required amount and Chase should be following the law.
Consumer complaint received 2023-10-19
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)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXXXXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

in accordance with the fair credit reporting act convergent account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payMent on a credit card account under an open end consumer credit plan as late for any purpose dATE REPORTED XX/XX/2023 ORIGINAL LENDER XXXX {$9300.00}
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

There was a XXXX booked on XX/XX/2023 by someone other than myself using my debit card without my permission. The total was {$3600.00}. The booking was canceled on XX/XX/2023. The owner stated there were no refunds. I contacted XXXX to fix this, to which they said it was up to the owner 's discretion. They gave me the owner 's contact number to resolve. The owner stated he deserved the full amount for taking his property off the XXXX platform for XXXX hours. I explained it was not me who booked it and I could not afford to give him that much money for services not rendered. He refunded {$1300.00} and stated he would keep the rest of my money ( {$2300.00} ). I then filed a claim with my bank, Wells Fargo, who temporarily refunded {$2200.00}. They then concluded on XX/XX/2023, that I did give permission for this transaction and {$2200.00} was withdrawn again.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NV)

I have tried so many times to remove this bankruptcy from my credit report. This bankruptcy was filed by my ex husband, to try and save a property that i wasnt aware that was under my name. At first i thought that the bankruptcy was my moms because we have the same name but now i realize what really happened.
Consumer complaint received 2024-03-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (TX)

Received an email threatening to sue me for charges that I didn't commit and an amount that isn't correct. It's an old debt on my credit report. I've had issues with this company before with illegal tactics. During covid they looked up my tax return refund and debited funds out of my account without my authorization. They had to return all my money and now they are threatening to call my employer, bank, etc. It's already on my credit report.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

An individual called my daughter on her cell phone from Chase bank claimed that there was fraud on my account and they were wondering if it was her. She said no and they said they would cut off her card and send her a new one in 3-5 business days but needed to set up a new pin number. Considering the number was from the local branch she was asked to verify her old pin so they could giver her a new pin number. Chase then allowed an individual to add my ATM card to a Mobile Wallet ( XXXX XXXX ) without any verification and use it to access a Chase bank ATM and perform 47 ATM withdrawals over the course of two days to withdraw money from my account exceeding the normal daily limit of ATM withdrawals. At no point in time was my physical card not it my possession or known to be compromised. When the charges were noticed and a fraud claim was made they denied the claim for reimbursement of {$2800.00} saying that i had authorized the withdrawals. A police report was filed and Chase bank would not send the video surveillance without a search warrant to assist in identification of the individual but would only send still shots from the ATM which were very little help due to chase allowing the individual to enter the bank and access the atm located inside the branch with a hat and covid mask and proceed to make atm withdrawals for a period of 20 minutes without being questioned. Chase bank is not helpful at all at identifying the individual or assisting to get the money back because they just denied the claim so have no financial incentive in assisting address this problem or view of liability