davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

Multiple calls from XXXX and XXXX I believe to get resolutions of my multiple disputes from XXXX XXXX XXXX XXXX and several other merchants. I've done my best to pay my bill on time and I wasn't even able to file a dispute on Discover 's website for XXXXXXXX and I had to go to the store since I have yet to hear anything substantial from XXXX I've made two payments on my Discover card in XXXX and given no warning when I was prevented from calling and that same letter from XX/XX/XXXX was mailed to me this week which doesn't help resolve a dispute. This " executive office '' is horrible and I need help from you. They haven't given their last names so I don't know if it's a robot. This company is horrible.
Consumer complaint received 2023-04-19
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. (CA)

The auto loan with XXXX XXXX XXXX XXXX was paid off as agreed in XXXXXXXX XXXX XXXX  I own the vehicle, all 3 credit bureaus report a balance of XXXX, and the debt was never " charged off ''. Despite the obvious evidence that the debt was never sold off or written off, the bureaus refuse to accept documents from the California Department of Motor Vehicles that show I am the registered owner. If this debt had been charged off, the vehicle would no longer be in my possession. I'm being asked to provide documents that only XXXX XXXX XXXX XXXX can provide, and they haven't even provided the title to the car after 7 months. This is seriously damaging my credit, and I have been denied for an auto loan because of their ignorance.
Consumer complaint received 2023-10-17
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To who it may concern, There was a breach with the XXXX XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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.

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 2023-10-17
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)

us dept of educatio 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 us dept of educatio 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 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

PURSUANT TO 13 USC 1690, 1691 ( a ) AND 12 CFR SECTION MARK 1002.4 - 1002.7, AND 15 U.S.C 1691 ( k ), AND 15 U.S.C 1642, AND 15 U.S.C 1681 ( m ) Denying me access to my credit is discrimination. I applied for a credit card on XX/XX/XXXXXXXX XXXX XXXX and got denied. Regardless of the reasons for being denied, I have the right to my credit. Withholding my access to my securities is security 's fraud. Chase Bank is violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, they must retract my application. 

Thank you, XXXX, XXXX Attorney-in-fact for : XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I bank with Bank of America and started working for a new company. My new employer gave me two physical ( paper ) checks and I deposited them to my local Bank of America branch. There is currently a hold on both checks and I do not have access to any of the money.
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXXXXXX XXXX, I received notice that XXXX has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with Best BuyXXXX XXXX and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy/ XXXX that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

I have not been entered into the Federal SAVE program. I make XXXX per year. The monthly payment they assigned me has changed from {$900.00} to {$500.00} to XXXX over the past month. Now they are saying I have to pay {$1400.00}!
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

My ex-wife opened a XXXX XXXX credit card without my authorization to buy something for her dad then I found out and I kept paying the card until one day my car got misplaced and someone stole the card and put multiple charges. XXXX XXXX opened an investigation and they informed me that I would be notified regarding the result of the investigation. I was never notified and I was put in collection for charges that were not mind. I have over three years trying to resolved the issue and they are not taking into account my concerns. My credit has being ruined and they have being negligent in making an effort to clarify the issue I am tired of calling and speaking with 4 to five different departments for 2 hours.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (UT)

After my car was Totaled from dodging a deer in XXXX or XXXX of XXXX. I was up to date on my payment and had made a down payment but I ran into a wall dodging a deer. I never knew the specifics or even what the gap coverage was specifically for. They did contact me like 8 to 10 years later.. Saying they probably owed me some money but didn't have the right paperwork.. As if I would have paperwork on a car that got totalled a decade ago. I honestly don't even remember what insurance company I was with at the time.. I think this was Wells Fargos plan the whole time. 
Especially since I put a down payment on the car and was current on the payments and I don't believe even a year went by.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (KY)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

JEFFERSON CAPITAL SYSTEMS ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between JEFFERSON CAPITAL SYSTEMS and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (OR)

On XX/XX/2022 a credit card was opened with Navy Federal Credit Union without my knowledge using my Name, DOB and SSN. for {$25000.00} credit limit. I feel Navy Fed DID NOT follow red flags rules! The account is closed however it has ruined my credit. 

I have notified all XXXX credit agencies. I have filed a police report with XXXX XXXX  XXXX. In XXXX, Oregon. 

filed with : XXXX XXXX Badge XXXX Case # CPD XXXX How can a bank issue a credit card by only verify DOB and SSN? How about checking address? especially since I have never banked with Navy Feds.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). Transunion, XXXX, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, Transunion, XXXX, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from Transunion, XXXX, and XXXX account.
Consumer complaint received 2023-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WA)

I got a text from robinhood saying my account was restricted and under review and I didnt violate any of it rules and regulations then later I got another email saying my account was XXXX and it been almost a month and I havent gotten a refund from robinhood yet all attempt to reach robinhood hasnt been successful.
Consumer complaint received 2023-04-09
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # 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 2023-04-18
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX BANK XXXX XXXX XXXX : {$110.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23 I was an authorized user under XXXX XXXX XXXX XXXX credit card ending in XXXX and was declined when using the card with the merchant XXXX XXXX XXXX XXXX on XX/XX/23. I used the XXXX XXXX credit card because it would not have a foreign transaction fee on this international transaction, however the transaction got declined. I was then forced to use my XXXX XXXX credit card ending in XXXX for the {$110.00} charge on XX/XX/23. I figured since I have no choice but to use a credit card that would charge a foreign transaction fee because Chase declined the same charge on the XXXX XXXX that would have no fee I could call in and get it waived as a courtesy since Chase left me with no choice but to get hit with a fee. Within 90 days, I contacted Chase and received a response on XX/XX/23 denying me a credit of the {$3.00} foreign transaction fee that I was charged. I called again today XX/XX/23 to speak to a supervisor who wasnt able to help me either. I dont understand why this is a difficult situation to understand, since I made every effort as a customer to avoid the fee by using the correct card. I would like this matter resolved please.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to address the unresolved issue concerning unauthorized hard inquiries that persist on my credit report. Despite my initial dispute via mail, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of these unwarranted inquiries from my credit profile. 
-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount GR Holdings, LLC (NV)

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the GOODLEAP LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (CO)

On XXXX XX/XX/2022 I had an automatic payment scheduled for {$320.00} to come out to pay on the loan. The auto pay was coming out of a different account than what I had planned and I canceled it and paid it manually from a different account. The auto pay showed as returned for insufficient funds but the manual payment went through. The XXXX payment should have brought the account current but next month ( XXXX ) showed that the minimum payment due was now over {$500.00}. When I called to ask why they said that I had missed multiple payments and I needed to pay this amount. I talked to multiple agents and requested an inquiry be filed. They would agree but then I would hear nothing about the results. I then began to request to speak to a supervisor and would either be put on hold then hung up on, or told they would call me back. Never happened. Now due to late fees and interest my minimum payment due is over {$1000.00}.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As I stated in the previous complaint, Capital One continues to withhold deposits made by employers due to holidays. It is unfair and due to that reason I am no longer going to be a Capital one member and I will also share the disadvantage and inconvenience that the bank has to all my family and friends so that they also do not continue to have struggles like myself.