davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX and 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.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I got a XXXX 7.49 % {$15000.00} loan from Chase Sapphire Reserve credit card which was part of the My Chase Loan program where one is able to get a loan at favorable rates by borrowing against the Sapphire Reserve credit limit. 

The disclaimers program says that the payment is bundled with the minimum payment for the credit card and one can avoid paying interest on new purchases by paying the " interest savings balance '' by the due date. They also say that the way the loan will impact the card balance is as follows : " Well add the full amount of the loan to your credit cards current balance. Your minimum payment due each billing cycle will automatically include the monthly payment amount for your loan. '' It does not say anything about adding interest to the balance. 

On the next due date following the loan initiation, XX/XX/XXXX, I paid the full " interest saving balance '' of {$6000.00} which was adjusted down from the original amount in the statement by XXXX because of refunds and statement credits which lowered the net amount due and thus the final " interest saving balance '' that was displayed on the website when I went to make my payment. Then on XX/XX/XXXX, I was charged {$94.00} in interest. 

When I called to ask about the interest, the Chase representative first tried to tell me that there is always a one-time interest rate fee for the loan - something that was never disclosed and is refuted by the " learn more '' FAQ section on Chase 's app. When I confronted them about the fact that the loan 's payment ( {$1300.00} ) already included the interest since XXXX / XXXX would have been {$1200.00}, they said that if there was any interest charged for balances it would be reversed in the next statement. 

That did not make any sense to me why Chase would keep my balance artificially higher for a full billing cycle just to reverse a charge later. 

This is misleading at best and deceiving at worst. Consumers should not be left in a " would they won't they '' state about charges on their account for a full billing cycle.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

Company keep sending letters about a fraudulent account to my neighbor adddress to XXXX XXXX XXXX XXXX and wont stop sending letters and he filed a complaint with XXXX and they are still sending letters to him. 

I want all the mail to stop sending to that address It coming from the fraud dept. 

I didnt apply for this metal card from Barclays and they denied my fraud claim and I want all the mail stop I dont live there!!!
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (CA)

In accordance with the fair credit Reporting act XXXX Account, XXXX. Ref # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 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 XXXX consumer credit plan as late for and purpose. XXXX XXXX Repost. I have returned the equipment and would like this matter to resolved.
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (WA)

Hi, I am struggling right now, as a lot of people are, financially and had a lot of personal issues happen, such as all my personal information being stolen, family deaths, and my other personal vehicle being stolen and sent off a cliff. Ive been trying to get everything back on track and getting a couple jobs to sustain me. Now, I can not just produce money, as much as I would like. I also unfortunately have to wait for the money I earn from these jobs to deposit into my account, like most people. I have made a payment to show my commitment to trying to get back on track with my debts. I understand that may not be enough, but then take the XXXX vehicle back if you seriously dont want to work with me. I need you to stop HARASSING friends and family. It is not funny. I live in paranoia that even people I just know casually are going to start getting calls because Ally somehow linked us. I dont have service where Im staying right now. I communicated this. I dont even know if theyre calling me but I know theyre calling everyone in my co-signers family. She said some uncle she doesnt even know is getting calls. Her mom, cousins, aunts, and uncles. Like, at what point is this harassment because it feels like its already gone way too far. There is no need to harass people and embarrass me and my co-signer because I am going through a hardship. This is seriously just wrong for a business to harass like this. I get you want your money, I want to give it to you, it is owed. Stop harassing people I dont even know and either take the vehicle or WAIT FOR THE MONEY PLEASE. I have to wait for my paychecks to deposit to give it to you. If you can reason for a moment and think, youd realize that I can not just give you money without it depositing I get youre not in the whole business of compassion but holy cow I can not recommend this company LESS for a vehicle loan or any banking opportunity for that matter. No one can prepare for hardships to the extent that they happen and Ally is showing just how little they care about their customers, just the money. I get it a little, as its a business, but businesses used to care about the customer too.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (TX)

Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports Equifax has blocked/freeze New tradelines from being added to my credit report and has violated the federal laws and never send me any credit report and denied my disputes tons of times.. 



The following accounts that are missing from my Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX JP Morgan Chase Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite contacting this Chase Bank branch and taking recourse through my own bank, XXXX, as advised by Chase Bank representatives, there has been no remedial action undertaken by either institution. 

The check in question, amounting to {$5000.00}, was stolen and not endorsed, yet it was erroneously allowed to be deposited at the Chase Bank branch mentioned above. The check fraud was reported within the quarter. I have been trying to resolve the issue for over 2 months. 

When I visited the Chase Bank branch in person they claimed to be in agreement that the check should have never been deposited as it is clearly unendorsed, but that unfortunately I would not be able to file a claim myself within their branch as I am not a Chase customer and that I would have to file a claim within my own bank. I have done so with my bank, XXXX, and XXXX representatives have now come back and told me there is nothing they can do as Chase is not cooperating and XXXX is refusing to pursue the matter further. 

I would like to file a complaint against both institutions. Against Chase Bank for depositing an unendorsed check and then when alerted refusing to correct the issue. And one against XXXX for failing to represent their client when there was clear fraudulent activity taking place. XXXX even went as far as stating that they " condone this illegal activity '' on a recorded phone call with the company and myself on XX/XX/XXXX.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (GA)

Went to the XXXX. Saw medical professionals throughout my visit including a cardiologist. Got this SURPRISE bill from a third party company on behalf of the XXXX XXXX that did not come on duty until XXXX - I was finally XXXX ( XXXX  ) around XXXX. XXXX XXXX XXXX XXXX XXXX never treated me. I requested an itemized detailed report of what she did. All other bills for XXXX XXXX XXXX XXXX visit itself have been paid. I refuse to pay for this XXXX XXXXXXXX XXXX XXXX XXXX as she did not report\clock in until XXXX - I was they at XXXX. Her bill was higher that the XXXX XXXX bill.
Consumer complaint received 2023-12-20
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. (IL)

I am following up on a previous dispute that was filed XX/XX/2023 in which I requested that a account listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX | Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2024, the following unfair or deceptive act occurred : JPMorgan Chase Bank, approximately 36 hours before the closing of a home purchase for which they were the mortgagee, sent a Notice of Counteroffer whereby Chase Bank changed the amount of the loan that they had previously agreed to provide. This change, which was communicated the day before the closing, caused me a necessity to have to provide {$3300.00} out-of-pocket in additional down payment funds on the real estate. As this was hours before closing on the property and any delay would have caused a violation of the Purchase and Sale Agreement that was agreed to in the contract with the seller, this was unfair or deceptive. Failure on my part to provide the {$3300.00} would have resulted in grievous loss of down-payment funds. Chase bank had agreed to the financing terms in the commitment letter over a week before closing and waited until the last day to change the loan amount.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is missing date last active and is unverifiable. XXXX XXXX failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX and 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.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

MY ACCOUNT AT BAN OF AMERICA WAS USED FOR FRAUD WHEN SOMEONE I DIDNT KNOW SENT MONEY TO MY ACCOUNT THEN ALSO TOOK IT BACK MAKING MY ACCOUNT NEGATIVE XXXX I HAVE WENT TO THE BANK SEVERAL TIMES TO SPEAK TO SOMEONE TO SEE IF THEY CAN TRACK WHO DID IT AND MAKE A REPORT WHICH I DID DO WITH THE POLICE, THEY DID NOTHING AND COULDNT HELP ME.I THEN CLOSED MY ACCOUNT WITH THEM FOR THE REASON THAT THEY DENIED ME HELP AFTER SOMEONE MANAGED TO ACCESS MY ACCOUNT WITH MY PEROSNAL INFORMATION.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I'am a victim of Identity Fraud. I contacted the Credit Bureau ( XXXX, Equifax, XXXX XXXX and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NJ)

Vehicle lease with Ally Bank ended on XX/XX/XXXX. I wanted to finance the buy out of {$41000.00} through my bank. Ally refused to accept a third party check for the buy out. Ally stated it must be my funds with my name on the check or I must use them ( Ally ) to finance the vehicle buy out. After I finance through them for the buy out, I could then refinance through my own bank. Allys interest rate is 10 % and my bank is 7.2 %. Ally is forcing consumers to buy out through them or to use your own personal funds to buy out. If I were to finance through Ally then refi through my own bank for the lower interest rate, this creates more fees and two credit report inquiries. I ended up using my own savings for the XXXX buy out and once I receive title, I will finance the vehicle through my own bank to pay back my savings account. Ally is creating an obstacle for consumers forcing their financing at a higher interest rate to pay off a leased vehicle. I am now sitting at 23 days and still waiting for my title and they claim they are backed up and will send it when they get to my file.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Jefferson Capital System LLC, addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to abide by the Fair Credit Reporting Act ( FCRA ) protects consumers and promotes the accuracy, fairness, and privacy of personal information in a timely fashion. XXXX  account number XXXX, has incorrect reporting information that has been on my credit report for more than 30 days. I have the receipt that states the balance is {$0.00} and the account is closed, yet it shows as active on my credit report in the amount of {$430.00}.
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I bought my lease out XX/XX/22. I had to vacate the premises by XX/XX/22. I left on XX/XX/22. Now they say I owe more money. I wasn't behind in my rent, so if I didn't buy my lease out, why did they take my {$2400.00}? I thought we had a meeting of the minds. The transaction took place in the office. There was an offer and acceptance. The XXXX and I sat there and worked it out. They gave me a discount on the buyout and a move out credit.