davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-24
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)

My name is 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. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}
Consumer complaint received 2023-04-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 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
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

I wrote a letter to the debt collector stating for them to verify and validate that this debt belongs to me. The account in question is XXXX XXXX and is being reported by Hunter Warfield Incorporated. No information has been sent to me verifying this issue. I do not have a contract with this creditor. In which they have failed to provide proof. 

COLLECTION : Hunter Warfield INC / XXXX - {$3000.00} / account status says Open.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my XXXX... Equifax and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I ordered a replacement card from Amex, which they fedexed to me. The XXXX got lost. Now amex refuses to replace the card they lost. NOTE : this is in relation to my business gold rewards card NOT my XXXX XXXX  ( whose number I provided )
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/XXXX At approximately XXXX a person came banging on my door stating they were the REPO company for Chrysler Capital and to remove my belongings immediately. I didn't understand why this was happening as i had NEVER received any letter or mail stating I was to get my vehicle repossessed. I did not receive anything from the men who took my jeep no type of paper work no type of info on where they were taking the vehicle, The repo company took my XXXX XXXX XXXX XXXX  not before they struggled to get it attached to the tow truck, I knew it looked very wrong. I couldn't contact Chrysler Capital due to the time of day and they had been closed and would not open until XXXX the next day. On XX/XX/XXXX at approximately XXXX the same person from the repo company came to my door and stated THEY ( Chrysler Capital ) told us to return the vehicle so consider it a blessing! This was so odd that i called Chrysler capital and they are now stating they have NO DOCUMENTATION on the this happening. I also informed them i had all this on my XXXXXXXX XXXX XXXX. I've called numerous times trying to get an answer and still they do not have any documentation that this even happened. No my XXXX XXXX XXXX is not running properly it is now jerking whenever I first press the gas pedal after a stop and my passenger side seat feels as if it is off track. I need this issue fixed immediately as my lease still has 6 months left and I am afraid it will break down on me while driving. I spoke to a supervisor who stated he could not do anything for me as they had no documentation about the repo! Again I have ALL THIS on my XXXX XXXX  even the repo people stating it is CHRYSLER CAPITAL .... PLEASE HELP!
Consumer complaint received 2024-04-12
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (CA)

This is the third complaint against Ally financial they most recently unlawfully repossessed my vehicle, and evidence that I have shows that they were premeditated in doing this months before actually performing the repossession with clear intent to defraud me because once they took my vehicle, they still trying to collect a debt of nearly 3/4 of the debt, which was owed on the retail installment contract when I was in possession of the vehicle, and had made two separate payments to pay the vehicle in full, including the last payment, which was in the form of a check for which I received the check back with a clear indication that Ally financial had deposited the check into their account, and had received for credit prior to repossessing my vehicle
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After XXXX XXXX devastated XXXX, my mortgage company XXXX XXXXXXXX XXXX XXXX  offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by XXXX XXXX XXXX XXXX that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my FICO score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Next Level Finance Partners  LLC (AL)

Our loan with New Credit America has been paid in full and the company will not update our paid and closed information. Ive disputed the status with all three credit bureaus and the company is reporting to them that the open balance is accurate even though I provided screen shots and correspondence the account has a XXXX balance and is closed.
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

After having disputed two cable accounts on my consumer credit report, I contacted the original creditor ( XXXX XXXX XXXX  ). They informed me, the business account was sent to a collection company. I questioned how the collection company obtained my personal identifiable information, when it was a business account and an XXXX was required in order to begin service? A representative from XXXX XXXX XXXX  XXXX told me they have no control over how the collection company decides to pursue the amount owed. I have made several attempts to get these accounts removed from my personal credit report to no avail. I have contacted Eastern Account Systems on several occasions, I was only able to speak with one representative who informed me she would reach out to the company to obtain additional information. I have made several calls, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and again today XXXX  The automated system will say its transferring me to an agent and then the call disconnects. These two accounts on my consumer credit report have created financial issues for me in terms of credit, interest rates, etc.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it My brother pass away XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my report
Consumer complaint received 2023-04-24
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. (NY)

This is XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : 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 I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses 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 2024-04-14
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX XXXX 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MD)

The following is a letter I sent to Chase, regarding my issue attempting to lawfully obtain a signature guarantee on private securities : I am requesting a copy of your banks written policy regarding signature guarantees by your banks certifying individuals. On XX/XX/XXXX I, XXXX XXXX XXXX attempted to have a medallion stamp for my private placement security issued from XXXX and was refused service. In addition I was treated and talked to in an uncomfortable manner. From my understanding of the law as a member of your bank in good standing such request are not subject to challenge on account of personal preference. If your institution is exempt from the application of 17 CFR 240.17Ad-15 and 31 CFR {$300.00} an affirmative statement is required to rule out the presumption of racial disparity and denial of services based on the race of this member customer. 
Chase Bank has had a longstanding history of discriminatory conduct with customer with a brown skin complexion. According to your company website, In XXXX JPMorgan Chase announced its {$30.00} XXXX XXXX XXXX XXXX to help close the XXXX wealth gap and advance economic inclusion among XXXX, XXXX and XXXX customers and communities that are XXXX in the XXXX. 
SourcXXXX XXXX XXXX XXXX XXXX 
Therefore, a demand for full disclosure on your policy to deny my earnest request for a signature guarantee stamp for my security instruments. If no response is provided within 72 hours of receiving this communication it will be concluded that your institution denied my request for a signature guarantee stamp by your banks certifying officers based solely on racial discrimination and will be escalated accordingly. 


On XX/XX/XXXX, I received a phone call from Chase on which they said they would not be providing me with this service and they would be denying my request to have their policies regarding signature guarantee in writing, which per the Federal Code of Regulations, they are supposed to provide. I even read out the statute to the representative, and they still refused my request, despite them saying they are subject to the Federal Code of Regulations. I believe these decisions are racially motivated as there is no lawful reason why my request for service, or my request for their signature guarantee policy is being denied.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HORIZON BANK (FL)

Accounts with XXXX  Information XXXX  information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. 
Account Name Account Number Balance Monthly Payment First Horizon This what shows on my credit report. First Horizon made a mistake and did not close the account when the balance had been paid in full in XX/XX/2023. I was not made aware of this until I checked my credit report in XXXX and found that they were charging me late fee for a XXXX balance. I had to pay an additional money to have the account closed which it should have been in XXXX. 

Additional, my First Horizon account shows XXXX balance since the balance was paid in XX/XX/2023. I never received a bill by mail, email, or via my on-line account to know there was any other fee to be paid.
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-07-15
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: AMERICAN EXPRESS COMPANY (NC)

I have been going back and forth with Amex for over a year now, including numerous communications through CFPB. The unauthorized fraudulent transactions on my account total over {$15000.00} and Amex refuse to address my concerns adequately and rarely call back with the information requested. It is impossible to get information. I called on XX/XX/XXXX and was told XXXX would call me. XXXX eventually left me a voicemail on XX/XX/XXXX. I called back on XX/XX/XXXX and XX/XX/XXXX and was told I would be called back within XXXX hours. this never happened each time. I am at a loss how to get answers to my questions and continue to be shocked by Amex 's unbelievably bad customer service, conflicting information, changing decisions. 

Therefore I require the following : - Confirmation of where this dispute stands. On XX/XX/XXXX, XXXX told me I had been credited one of the disputed amounts and the other was pending. Is this true? Has any of the disputed amount been credited? 

- Contact and address for service of process - Details of the mediation process and costs associated - Details of the arbitration process and costs associated A copy of this has also been sent to my lawyer
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-07-15
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: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.