davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ), it has come to my attention that Experian, as a consumer reporting agency, has reported late payments on my credit report, thereby violating my rights under 15 USC 1681 Section 602, which states my right to privacy.

Furthermore, under 15 USC 1681 Section 604A Section 2, the FCRA mandates that a consumer reporting agency can not furnish account information without my explicit written instructions. Experian 's reporting of late payments without proper authorization constitutes a breach of this provision.

Additionally, 15 USCS 1666B specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Experian 's inclusion of late payments on my credit report contradicts this regulation.

Therefore, I demand that Experian rectify these inaccuracies on my credit report immediately and ensure that my rights under the FCRA are upheld. Failure to comply with these statutory provisions may result in further legal action to remedy the harm caused by these reporting inaccuracies.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MA)

This is a general complaint on interest rates charged by credit cards. Daily I get offers from credit card companies with interest rates in excess of 19 %. These rates are extortion. How can. They justify them when banks are reporting record earnings?

There should be limits on maximum rates linked to an economic metric.XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (GA)

I called US auto sales for my contract before they closed down and kept getting the run around. Now the new company Westlake that bought it wont give me a copy of the contract I signed. Ive been over charged and charged extra for insurance when I already had insurance on the vehicle. Help me please
Consumer complaint received 2023-10-18
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: JPMORGAN CHASE & CO. (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One put a hold on a secured credit card that had a credit balance. Acct : ending in XXXX. The charges were ones I had made every month so they were not new or unusual. One of them was for {$1.00}. They failed to notify me and I almost lost my car, health and dental insurance The problem was that they hadn't closed an account I had four years earlier and had a land line on the account and couldn't change it because their phones couldn't text to my cell phone. All the problems started and ended with them. I receive texts all the time so it wasn't my phone and no other vendor has problems texting me. 

I had tried 3 times before to fix this and had spent hours on the phone. This time most people weren't fluent in English and the accent was so thick I could barely understand. I am semi-fluent in Spanish but even their Spanish was hard to understand. When I asked for a supervisor they refused to transfer me and kept repeating that they would take care of it I had to call back 4 times just to get someone that spoke fluent English. 

I spent over an hour on the phone was transferred 6 times and had to repeat the same thing 6 times so I closed the card. 

I even wrote a letter and asked to refund the {$1000.00} that I was owed. 

I am still waiting for the money.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

I've have a chime banking account open since year XXXX the year of XXXX chime banking closed my account due to identification verification upon me sending them the identification documents they year of XXXX they have not reopen my account even though I've sent them identification documents numerous times.
Consumer complaint received 2023-10-18
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-02-25
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. (FL)

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

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Under the Fair Credit Reporting Act, you have violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written consent.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WESTSTAR MORTGAGE CORPORATION (IA)

We have been approved for a loan modification program through WestStar Mortgage. Our first trial payment is due on XX/XX/XXXX. 
We certified priority mailed a bank certified check to complete the payment on XX/XX/XXXX. However, it is still pending delivery. We are communicating with the post office on locating the check. How we, due to this unexpected delay, we have contacted WestStar through both email and phone and have not received a response on what we should do or if there is another way to make our trial payment. 
We have been reaching to West Star since Friday XX/XX/XXXX. We reached out again, Monday XX/XX/XXXX, and called and left messages several times on XX/XX/XXXX with no response from West Star.

We can resolve this through receiving an answer from WestStar on how we can electronically or over the phone complete our payment.
Consumer complaint received 2023-10-18
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On Monday, XXXX XXXX XXXX, I used the drive thru atm at a Chase bank at XXXX XXXX, XXXX, Texas, XXXX. I tried to withdraw {$900.00} out of my checking account. So I did the normal routine to withdraw, I usually click on no receipt because transactions also reflect on my online account. So while I was waiting for my money to be dispensed a red banner popped up saying there was an error. So I went inside the bank and tried their ATM in there, it told me I had insufficient balance but I never got any money, I got confused so I talked to the teller. The teller checked my case and she told me she just saw a ticket from their ATM machine for an error. So she helped me file a claim. They gave me a temporary credit while theyre investigating so I left. Then the next day XX/XX/, when I checked my account money was gone again. So I called and now a lady told me that she was giving me a provisional credit and also, I asked her about the investigation and she literally told me it was already resolved and I asked her 2 or 3 times to confirm. So I hung up, the next morning, Wednesday XXXX XXXX XXXX when I checked my account the money was still not there so I called up chase again. Then this guy from their claims department started lying to me that the money that they credited me on Monday was not taken out, but as I checked in the morning before calling chase I only got {$60.00} left on my account so it seemed that he was lying to me about the credit not being taken out again just to simply reverse the situation and because I was already really frustrated with the call. And also, the lady I spoke to on Tuesday just lied to me outright telling me that their investigation is already done when it is not. Now Im reaching out to yall because Im afraid to get scammed by my own bank. I know they have security cameras that they can check to really confirm my claim, and theyre just dragging it out. Ive read on the internet that some people dont get their money back even if its not their fault and it needed for them to complain to yall just to fix the problems they caused. So I got anxious that they might deny my claim and tell me that they cant review their cameras anymore because its too long already. Im just trying to be proactive here and get this over with and file a complaint so this can be resolved soon cause this is bringing me a lot of stress. Hope to hear back soon. Thank you.
Consumer complaint received 2023-02-21
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 (PA)

To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft.

2. Stop collection activities against me.

3.Stop reporting information about the debt to credit reporting agencies.

4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

5. provide me with the records I requested. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your cooperation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IM SUBMITTING A COMPLAINT BECAUSE I HAVE ACCOUNT XXXX XXXX XXXX IS SHOWING UP ON MY CONSUMER CREDIT REPORT AS A CHARGE-OFF ACCOUNT CLOSED AND PASS DUE 30/60/90 DAYS XX/XX/XXXX. IT IS ILLEGAL TO FURNISH INCOME ON A CONSUMER REPORT. A CHARGE-OFF, ACCORDING TO THE IRS, IS INCOME AND YOU MUST FILE A 1099-C. AS IT STANDS I HAVE NOT RECEIVED A COPY OF THIS FORM. 
MY RIGHT AS A CONSUMER ARE PROTECTED UNDER TITLE 15 CHAPTER 41. 
15 USC1601 HIGHLIGHTS THE CONSUMER 'S INFORMED USE OF CREDIT.

AT THIS TIME THIS ALLEDGED CONSUMER CREDIT TRANSACTION WAS ENTERED I WAS UNINFORMED AND I DID NOT UNDERSTAND AS THE INFORMATION WAS NOT CLEAR AND CONSPICIOUS. CHAPTER 41 TITLE 15 THE AGREEMENT IS NULL AND VOID DUE TO THE COMPANY LACK OF DISCLOSURE.
Consumer complaint received 2022-11-16
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: CL Holdings LLC (NJ)

XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. XXXX XXXX does not have my consent to have and share my private personal information. 

Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of XXXX delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (RI)

On XX/XX/2023, PNC blocked our access to our checking account. We had no access to our money. PNC never reached out to us to warn us or tell us why. We have only gotten some vague explanation about a fraud concern. We have fraud monitoring through XXXX, and XXXX did not detect anything suspicious on our account. XX/XX/2023 was a holiday weekend, and PNC gave us no option for solving this problem until the following XXXX. We were without access to OUR money for the weekend. Bills that we had paid could not go through. On XX/XX/2023, we went to a PNC branch. An employee there helped us open a new checking and savings account. We are not making any complaints about this employee. It took this employee almost XXXX hours to get through to the PNC fraud department. The fraud department lifted the hold on our checking account so that we could transfer money out of the old account and into the new account. We left enough to pay some outstanding bills. The old account was kept open to receive some direct deposits that would not be in time to change to the new account. Since XX/XX/2023, we have called the PNC fraud department to have the hold lifted so that we can transfer money as it comes in. On XX/XX/2023, we transferred a direct deposit from the old account to the new account. On XX/XX/2023, PNC transferred that money back from the new account to the old account. PNC did this without notifying us, without any explanation, without our permission. PLEASE HELP! We are terrified. We don't understand what is going on. PNC is making unilateral decisions about our money without any notice to us. Again, we did not give permission for PNC to take money out of our new checking account, and move it back to the old account. We have no access to it in the old account, and that account was about to be closed. We feel very unsafe with PNC right now, and like something just isn't right. We have little hope that this complaint will do anything, but we are hoping maybe someone will read this and help us. Thank you.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.

Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



Please review
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.