davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS XXXX Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; Consumer XXXX, Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a linked last four of social ending in XXXX does not belong to me and is not mine and shouldnt be in my report or linked to my identity in any way shape or form. All these accounts and wrong personal information being reported on CHEXSYSTEMS have 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. 

these banks along with Chexsystems have caused for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. 

the only correct information that should be reporting is ; Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; phone : ( XXXX ) XXXX
Consumer complaint received 2024-03-24
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, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF XXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, DEPT OF EDUCATIONXXXX : 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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (CA)

My Social security number was used to open a Credit account with Genesis Credit Card services back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. XXXX XXXX XXXX XXXX, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In the given scenario, the individual has discovered that a collection account, identified as [ XXXX ], is incorrectly reported as open by the collection agency. However, the account in question was already closed and settled in full according to the information provided by the original creditor. 

This inaccurate reporting by the collection agency has resulted in negative consequences for the individual 's credit score and may impact their ability to obtain credit in the future. The individual, recognizing the importance of accurate credit reporting, has decided to dispute the false open status of the account and seeks an immediate investigation into the matter. They also request that the collection agency rectify the error, update the account status to reflect its accurate closure, and provide written confirmation of the correction made along with an updated credit report.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I would like to take my money back from my SAVING ACCOUNT more than 10months but the bank refusing to do that.I called them visited to their location a lot of times to solve this problem I provided all my personal information to them so they can verify my indentity and give me my money but they are refusing to do that.Last time they told me that my account is frozen and they can't give me my funds back only security departpment can unfreeze my account so after that they can give me my funds back.I called 100 times to their security department every time waiting time is more then 2 hours and no respond.please help me to solve this problem. 
Thank you
Consumer complaint received 2024-01-05
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. (FL)

I have contacted Equifax and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

Equifax, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

in accordance with the Fair Credit Reporting Act 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 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, This is a formal request for removal of mistaken public information recorded on my credit report.I contacted Transunion, to reinvestigate this accountI havepreviously disputed XXXX XXXX XXXX : Bankruptcy Ref # XXXX with you, and in response, you verified the itemas accurate, But how is that possible XXXX was investigated by XXXX and XXXX and resulted in the same conclusiona removal from my credit file. I have enclosed a deletion notice from XXXX. the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

This is in addendum to the compliant filed a few days ago against Carrington Mortgage Company LLC. 
XXXX. The higher figure they are requesting me to pay is based on if if I allowed them to do a loan modification for me which they did not. 
I have copies of the papers where they dated I would pay $ the higher figure of {$1900.00} and some change. 
XXXX. XXXX XXXXXXXX stepped in and made my mortgage current by giving Carrington. The funds needed to keep my mortgage payment at its current rate, which was stated in the previous statement sent in the complaint on Thursday of last week to Carrington.. 
XXXX. Ive spoken to the FHA, and Carrington knows the rules that when a mortgage is caught up, the payments go down, which I will supply proof of that they do not go up and Carringtons to stop playing games, trying to take advantage of a situation and make extra money has been turned around from a negative to a positive. 
Mortgage payments do not go up as money is paid to decrease the debt. 

I dont think the departments within the company speak to one another as you can see the various discrepancies that were presented in the previous complaint on XX/XX/2023 concerning this matter .Hopefully XXXX XXXX XXXX and other senior officers get on board and do the ethically right thing toward God and me. Cheating people is not right! nor an ethical practice for a business They signed a legally binding contract with the state of New Jersey, which was submitted in the previous complaint of what my correct mortgage payment should be and I expect Carrington to honor it. Mortgage payments do not go up they go down. My mortgage payment is an FHA and it is not variable or based on what they think it should be. I would suggest that they rethink their methodology, and the way they do business with the public.
Consumer complaint received 2023-04-21
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. (NJ)

Account showed up on my credit report company is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX Fl XXXX. I disputed with trans union XXXX on XXXX they in vestigated as said info was accurate. I then called the co XXXX and told then iowas not my account. They said I had to send them a copy of my drivers license, a police report, proof of address and trade Comm report. I did not feel it was necessary to send a copy of my lincense.
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TN)

Paypal sent me a bill for a credit balance that I owe? They sent me a credit for {$10.00} and then turned around and charged me a late fee ( {$12.00} ) for not paying the {$10.00} payment which was more than the original debt. I don't understand how I got the debt in the first place? Paypal has always been paid from my bank account for the monthly charges, i.e. XXXX, etc. You can't make sense out of the debt because you can't be connected to a representative. It's just like a rat maze. I am frustrated beyond belief. Please help me!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

I am a XXXX cardholder with Chase. Chase sent me a targeted offer for {$85.00} credit with staying at XXXX XXXX. I stayed at XXXX XXXX during offer period and charged stay to my Chase XXXX card. I have called Chase multiple times to try to get them to give me {$85.00} credit and each time I have been run around. First customer service rep said he couldn't help me, he didn't have the tools. Second customer service rep said first customer service rep was wrong, the problem was " coding '' on Chase 's side and I'd get credit. Weeks later, when I didn't get credit, I called and third customer service rep said previous rep was wrong and what I really needed to do was start escalation. Did that, then I received nonsensical letter from Chase saying I needed to call to give them more information. When I called yet again, fourth customer service rep said I needed to provide Chase with written terms of its own offer -- good thing I had a screenshot, I pity those who didn't. I uploaded screen shot on Chase 's website -- which I could've done on my first call if Chase doesn't know its own offers. It's obvious what's going on here -- Chase has a corporate policy of misleading consumers with offers and then delaying and obfuscating to avoid having to fulfill those offers, in order to goose earnings. This is fraud, pure and simple.
Consumer complaint received 2024-03-24
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. (IL)

Experian, XXXX, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXXXXXX XXXX XXXX Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX XXXXXXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Consumer complaint received 2023-11-10
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. (MD)

XXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent documents.
Consumer complaint received 2017-05-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Filing a complaint against Transunion for failing to respond to disputes/ method of validation request.       X/X/17 -  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.  ( please see letter )    X/XX/2017 - Received a response from Transunion which listed one account as deleted and the oth er account, "   XXXX   XXXX   XXXX   XXXX   '' as " verified as accurate and updated ''  X/XX/2017 - Sent a letter to Transunion requesting  method  of verification as I completely disagree with the results they stated on   XX/XX/XXXX   XX/XX/XXXX -  Received a letter from Transunion stating " we are unable to process your request because we were unable to determine the nature of your request or your request was ineligible '' ** If you read my letter, it is clear that I was requesting a method of verification for the debt they claim that they " verified '', Especially since I asked for several pieces of information.       X/XX/2017 - Sent  a letter to follow up on my " method of verification letter ''. Requested that accounts were deleted immediately since they only sent a response to delay my request and they did not respond with the requested information.     To this date,   XXXX   XXXX   XXXX    , I still have not received any of the requested information from Transunion.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (TX)

Attempted to schedule payment for the credit card on two days before payment was due. Payment source comes from the checking account with the same bank. Website did not allow me to select the due date of the payment, instead only allowing me to select the day following the payment ( which was 3 days from the current day. ) I had never seen this before as normally I could select payments even the day of as long as it was before XXXX. I selected the earliest date available, with ample funds in my account to cover the cost, and figured since that was the earliest day they offered they certainly couldn't blame me for the payment. 
They proceeded to charge me a late fee and interest on the total amount of the card, amounting in total to ~ {$50.00}. I called them and attempted to have this resolved. They elevated it but eventually told me that I should have called them when their website wouldn't allow me to make the payment on the due date, and that they would not be refunding me the fees. This is ridiculous of course - their website failed ( and continues to fail, I verified this new " 3 days out '' payment limit is still in place as of early XXXX ) to provide me the correct date.
Consumer complaint received 2022-12-06
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation (PA)

The company violated a lot of usc codes. They did not tell me when I got the contract that I have the right to rescind. I tried to negotiate my contract with that after they repossessed my vehicle. They have discharge the debt and closed the account according to the credit bureau. So if they closed the account how are they able to collect the debt when they get it written off at tax time and I have to pay taxes on it when I get the 1099 c form. Thats not fair.

They violated these laws and codes : 15 usc 1635 15 usc 1662 Truth and lending act According to 31 usc 5322 the law states that each violation is 1000 dollar fine. Also violating 15 usc 1692e ( 4 ). Threat of repossession is fraud and illegal in the collection of any debt. 15 usc 1692f unfair practices 15 usc 1692j 15 usc 1605 ( a )