davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (PA)

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 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 2023-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Sunday XX/XX/26 morning I tried to use XXXX  in order to pay {$40.00} to my hairdresser. Bank of America put this payment on hold for review. Turn out the bank has NO review team during the weekend and I have to wait 24 hours for this review process. In the mean while there is also no option to cancel it and I was stuck with no payment option in the store. I spent more than half an hour over the phone with the bank and they didn't provide any solution. I expect CFPB to force the bank to have this review team available during all hours that the XXXX is available. This is a common complaint I hear about Bank of Americas and CFPB should take action as the bank is taking advantage of consumers
Consumer complaint received 2022-12-09
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. (GA)

This is XXXX XXXX XXXX  and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check XXXX XXXX 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX XXXXXXXX  drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) XXXX states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXX XXXX  account was opened in XXXX. ( Screenshot attached ). XXXX was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX acct. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX reflect credit score calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a 22 yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither XXXX, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " Credit Boost '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my XXXX  father. 
Also, I recently applied for Chase Bank 's XXXX XXXX XXXX, and was approved at an a very high interest rate. Chase reportedly use XXXX for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ XXXX XXXX ( et al. ), XXXX XXXX, My XXXX, Chase XXXX XXXX XXXX Rewards Card, and especially the XXXX XXXX, including their mobile app.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MD)

Whenever I was trying to place an order using the XXXX app, there was always a promotional pop-up for Chase XXXX XXXX XXXX credit card. I avoided it many times. But sometimes my purchase would not go through if I dont click on that promotional link. It also said that being a promotional offer, it will only reflect as a hard inquiry on my credit report if I qualify and accept a credit card offer. I have not accepted any credit card offer. 

However, the inquiry is reflected as a hard inquiry on my report since XX/XX/XXXX. 

I have been following up with XXXX using chat and phone more than 4-5 times. I was told that this inquiry will be removed from my report, but it is still there.
Consumer complaint received 2022-12-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that XXXX XXXX XXXX XXXX asked them to collect from me the amount of {$160.00} because according XXXX XXXX XXXX XXXX records after I returned my XX/XX/XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call XXXX XXXX XXXX XXXX and clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with XXXX XXXX, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XX/XX/XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said XXXX XXXX XXXX XXXX is charging me because I didn't return the 2nd Key from my XX/XX/XXXX Leased and I called again to XXXX XXXX XXXX and advised them that I still have the XX/XX/XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
Consumer complaint received 2023-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC (SC)

This company is harassing me and even was calling my family at one point. While they did make some changes, they still have participated in threatening types of debt collection practices. I have had 3 people sent to my home to collect a debt which I reported to the manager who said that was not allowed. I have made 2 subsequent payments of XXXX each to catch up my loans. One on XX/XX/, and another one on XXXX XXXX  which both have been cashed. I also attempted to send a check for XXXX so that extra payments were being sent in XXXX and they sent it back demanding another check for the full amount. If I had the full amount I would send it. I have lived in my home over 20 years and now I had a home intruder come out right before the holidays which has been reported to the police and is under investigation. I find this ironic since they are they only debtor I know to come to my house with no notice and bang on the door. Secondly, my company I work for at my second job has not paid me for my work yet I XXXX and XXXX creating a problem for me with catching this account up. If my secondary employer is illegally withholding money per our contractual agreement I can not pay any more money I do not have. I am reporting them for unfair credit practices and concerns.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC (OK)

We initially contacted Skopos Financial in XX/XX/2018. My credit report had not been updated with my current payments since XX/XX/2018. We spoke to representative there that advised it would be updated in the first week of XX/XX/2018. The first week of XXXX came and went and nothing was reported. We contacted them again and were advised it would be updated immediately per the Credit Reporting dept that we were transferred to on the call. As of XX/XX/XXXX, it still had not been corrected, so we filed a complaint with the XXXX XXXX XXXX that did reach out to them -Case # XXXX. They finally updated the credit report in XX/XX/2018, but only up through XX/XX/2018. As of XX/XX/XXXX, they had not updated the report to show any payments were made since XX/XX/2018. We sent them an email asking for this to be updated. We did not get any response from them, nor was the credit report corrected. This has hurt my husband 's credit score greatly.
Consumer complaint received 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (NY)

There is too much information to include in this questionnaire. I ended up doing a short sale with some shady real estate broker. I had listed the house for sale and when the closing date was coming up, I was informed that HUD had a lien on my home. I was unaware of this. Did they include this information in the book of paperwork they sent me to sign? Perhaps I'm not a paralegal or a lawyer and relied on the Wells Fargo Employee to inform me of details beyond a basic modification. I did not see it I was not informed about this when speaking with the Wells Fargo representative who was handling my LOAN MODIFICATION. This company is taking money from the government with no repercussions. It's despicable.
Consumer complaint received 2016-04-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: NPS GROUP (WA)

I have used this service in the past, it 's been at least over 3 years since I have used a payday loan and all of my loans were paid in FULL by the due dates. I have not been delinquent on any of my accounts. I have NO outstanding payday loans and have not for many years. My father, my sister, my daughter and myself, have been receiving 2-4 harrassing calls PER DAY from NPS. Its a recording that gives a claim number. When I call, the reps are very short, rude, and if asked any pressing questions, will simply hang up on you. They give me a dollar amount I am supposedly delinquent on, but will not give me specifics. I ask for them to send me the debt in writing so I can validate it. They say they will email it, I have yet to receive any documentation. Yet the harrassing phone calls daily to my family and myself continue.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Seven ( 7 ) years ago ( XXXX ), I purchased a monthly subscription to a cloud-based software program, XXXX XXXX. I used a CapitalOne credit card ( ending XXXX ). The creator of the software program abandoned his project shortly after. The Capital One credit card expired on XX/XX/XXXX. 

The creator of the software ( XXXX XXXX, XXXX ) apparently resurrected the project and used old and expired data to send invoices to 7-year-old customers ... during the night, no less. When I opened my email on XX/XX/XXXX, I discovered an invoice and charge for {$110.00} to my current CapitalOne credit card. Despite the credit card being closed four years ago, Capital One linked this business 's current activity/charge to my CURRENT ACTIVE CREDIT CARD! 

Capital One 's policy for allowing outdated activities seems to expose consumers to a substantial RISK of fraud. Banks should be subject to some form of statute of limitations.
Consumer complaint received 2022-12-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-20
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX  received email notification that 2 Venmo transfers were made each in the amount of {$300.00} and the funds for the transfers were debited from my associated XXXX XXXX  checking account. My Venmo phone app confirmed this information too. I did not authorize either transfer. One of the transfers was to a friend on my " Venmo Friends List '' the other was to someone I do not know. I called my friend and he did in fact receive this unsolicited transfer of {$300.00}. I called Venmo customer support and reported the fraud and was told an investigation ( # XXXX ) would be done. A few days later, I received an email from a Venmo " account specialist '' indicating that their investigation determined that the 2 transfers were " not unauthorized '' and my claim was denied. I called Venmo customer support wishing to speak with this account specialist or anyone in their fraud department to ask question about just how this investigation was done. I was informed that the account specialist team members conducting these investigations will only communicate with customers by email. I responded to the email asking for the document ( s ) used to conduct their investigation. After more calls to customer support and additional emails, I was finally sent a document ( attached ) that seemed to prove the transfers should be deemed, at the very least, suspicious. The doc showed previous authorized transfers coming from one device from a location listed as " XXXX XXXX, NJ, XXXX ''. The two fraudulent transfers came from a different device number and lists the location as only " US ''. Most importantly, the time of the transfers was listed as XXXX XXXX  for both. I subsequently learned from yet another customer service rep that the transfers actually came within 5 SECONDS of each other which she agreed was improbable and likely due to a " glitch '' in their system. Yet, I still am unable to speak with any " account specialist '' and I believe this is done deliberately to thwart any reasonable fraud claims.
Consumer complaint received 2022-12-20
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. (TX)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2023-07-12
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. (TN)

According to the FCRA, TRANSUNION is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting TRANSUNION to provide the documentation and prove that the information is indeed accurate. TRANSUNION has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, GAAP accounting report, I am not asking for an e-Oscar report. If TRANSUNION does not have documentation to shows that the companies involve follow the SEC rules and credited my accounts, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. TRANSUNION is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX XXXX XXXX- has refused to credit my account with the dividends from the security they hold. 
XXXX XXXX - Was discharge with a negotiable instrument XXXX XXXX - has been discharge with an negotiable instrument XXXX XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX Car - creditor failed to credit my account for the dividends they received from the security I gave them, XXXX XXXX XXXX.
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (GA)

On XX/XX/2023. A loan was taken out in my name and I received inadequate information that lead me in a binding contract of conflict of interest with the service address and mailing address. Also a breach of security concerns with ACA credit lenders. On the above date ACA. Had XXXX pull my bank statements from there computer and would not accept legitimate documents from my financial branch, which put my identity and finances at risk. Which lead my credit to decline because of inadequate information...