davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (KY)

I had got a car from Jd by Ryder and the company that handles the loan is CNAC, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. CNAC has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX XXXX  XXXX, and that I Voluntarily surrendered it in XXXX XXXX  XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX XXXX  XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX XXXX  XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. CNAC has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also CNAC is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, XXXX, XXXX and XXXX but of course CNAC is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (WI)

Subject : Unauthorized Access and Privacy Violation of Credit Report Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the unauthorized access and privacy violation of my credit report. I recently became aware an entity has accessed my credit report without my consent AGAIN. This unauthorized access has raised concerns regarding the security and confidentiality of my personal and financial information. I have documented very severe violations by JP Morgan Chase, which have been disregarded. 

I have taken the necessary steps to review my credit report and have confirmed there is no legitimate permissible purpose for this unauthorized access. Such action is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my rights as a consumer to protect the privacy of my credit information.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

I had my loan serviced through Ally Finacial and have decided to surrender my unit due to threatening collection practices being done by the collections department. They use different numbers to get a hold of customers and went as far as calling me blocked on several occasions. They would threaten me to pay and would tell me that my car was going to get repossessed even though at times I was only a week or two behind. The agents would not notate the account and when I called in they denied this. This is called deceptive phone practices and I feel like I was being discriminated against due to my race. I want to put together a class action lawsuit because I know I am not the only customer that his happened to. I have a record of the calls and voicemails from blocked numbers. Please reimburse me my funds and treat your customers right. You can not call blocked and or stop documenting accounts. I will post on social media and also send a complaint to the attorney general and federal trade commission.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Received a letter in the mail Monday, XX/XX/23, from Collection Bureau Hudson Valley, claiming I owe {$780.00} to Optimum. I have never had an Optimum account and do not owe them anything. This fraudulent communication is bothersome and potentially harmful to those who may not realize they don't owe anything.
Consumer complaint received 2023-07-03
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. (AL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My account was closed was my fault. I was told back on XX/XX/XXXX and said it will take 60 days for my money to be sent. It is now XX/XX/XXXX and I still have received my money. Just got off the phone with them and it's still in XXXX! USAA is a horrible company and should go out of business for XXXX lawfully holding my hard earned money! I had a checking and savings account with them and they haven't sent any payment at all.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The company is reporting negative, false, and misleading information to the credit reporting agencies. And I was never given the proper disclosures as required by law to opt out of sharing of my personal information to credit reporting agencies. Therefore, my personal information is being shared to XXXX XXXX, XXXX, and XXXX without my prior written consent. The negative information is damaging my credit reputation daily and preventing me from obtaining credit for personal, family, and household purposes.
Consumer complaint received 2024-05-03
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 (NY)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Bank Of America, I am writing to address a concerning matter regarding an inquiry reported by Bank of America, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. Firstly, I require documentation proving that I provided express written consent for Bank Of America to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Bank Of America to remove this inquiry from my file within four business days. Furthermore, it has come to my attention that Bank Of America neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Bank Of America. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I currently have a VA backed mortgage with XXXX XXXX. My loan was transferred from XXXX XXXX  XXXX and since the transfer they have reported me as missing XXXX payments on my credit report. I have gone as far as calling them on a XXXX way with my insurance company ( XXXX ) and call ending with all was good with my account. My mortgage and cars are bundled under one plan with XXXX. I am a veteran that is 100 % XXXX and exempt from paying property taxes. XXXX wants to collect an escrow on my mortgage. I have forwarded letter from governor and other pertinent documents to flagstar and they are not satisfied with this. They receive my payments and becausr i refuse to pay them escrow, they report me as missing XXXX payments.
Consumer complaint received 2023-03-30
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. (SC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2007 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-16
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. (NC)

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX
Consumer complaint received 2024-01-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (ID)

Account was opening during a time period where there was an available promo for new accounts. I my account was opened XX/XX/XXXX and the promo at that time was {$300.00} after I meet all the qualifications. I met the qualifications and I did not received my bonus. I called customers service and the representative looked over my account and told me I have meet the qualification and that she was going to submit a form for missing bonus and that they would reach out to me. Nothing happened, I did not get my bonus and no one called me to follow up. I called again XX/XX/XXXX and spoke to another presentative and she was not able to find any notes or ticket for the missing bonus she also reviewed my account and I met the qualification so she was going to submit another ticket and they would follow up with me. Time passed by and nothing, I called again and was told there was no ticket and I met the qualifications and they would submit another ticket. I am just tired of the going back and forth and no resolution. No one has been able to update me and let me know what was the outcome of those tickets submitted.
Consumer complaint received 2023-07-03
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: OLIPHANT FINANCIAL, LLC (FL)

I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with XXXX XXXX in the same fashion... I paid/settled this account with XXXX XXXX XXXX on XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with Oliphant collection agency for a HQ shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX  for XXXX XXXX Credit Card ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX has yet to update my credit report as such ... .XXXX credit services have since deleted their trademark from my credit file with all 3 major bureaus but Bank of Missouri has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX has yet to update my credit files..Thanks..
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

On XX/XX/XXXX I had to visit the hospital due to an illness, I was retained in the XXXX until XX/XX/XXXX. Upon departing the hospital I checked my US Bank Relicard, and noticed there were several charges I did not conduct. These charges were at a XXXX And XXXX XXXX and XXXX bill, all of which were not near me. There were also some ATM Withdrawals. My wallet was stolen with the card, and I do not know whom stole it. I did not realize it was stolen until I left the hospital since I was in the ICU. US Bank asked me to send in a signed " letter or statement of dispute upon waiting for their statement of dispute to arrive in the mail '' I did send a statement of dispute and evens on XX/XX/XXXX. Then subsequently received the forms on XX/XX/XXXX and XX/XX/XXXX after calling AGAIN to see where the forms were. I wrote exactly what happened. There were two additional charges for XXXX, and these XXXX Trips were for me to go to and from the hospital. This didn't require me to type in a card number because the card was already saved on this app. So again, I was not aware my card had been stolen. US Bank when I called back on XX/XX/XXXX I was told they investigated my " Fraud Claim '' on XX/XX/XXXX and XX/XX/XXXX and determined no error occurred and that they " Verified '' I or someone was authorized by me to make these transactions and that they benefited from the transaction. This not only is false, Especially since I was in the hospital and these MERCHANTS ARE IN XXXX OKLAHOMA. 2 Hours away from me. I do not own a car and would not have been able to make it to this location while in the hospital. It's not possible to be in two locations at once. Again I never authorized these transactions, nor Did I receive any benefit from these transactions I was in a hospital in XXXX, TX. These transactions occurred in XXXX, OK. I do not believe this was properly investigated and XXXX belief US Bank quickly rushed this out so they did not have to refund the money that was stolen from me. This is beyond frustrating. 
XX/XX/XXXX ATM Withdrawal {$360.00} - ATM Says in XXXX OK, XXXX. Again Different state. 
XX/XX/XXXXXXXX XXXX {$10.00} - California XX/XX/XXXX ATM Withdrawal {$20.00} XX/XX/XXXX XXXX XXXX {$20.00} - Us Bank had to send second dispute form after they missed.. 
XX/XX/XXXX ATM Withdrawal {$140.00} XX/XX/XXXX ATM Withdrawal {$100.00}. 
XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$10.00} XXXX Ok XX/XX/XXXX XXXX # XXXX XXXX {$230.00}
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO  every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX : # XXXX Sincerely, Your Name
Consumer complaint received 2024-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association (CT)

Yes I have made over {$70000.00} in mortgage loan payments in the last 4 years ; however, the company only shows approximately {$30000.00} in mortgage loan payments. I have addressed the issue with the mortgage broker who sold my mortgage loan to this company : https : //www.homeloanserv.com https : //www.homeloanserv.com/TransactionHistory/TransactionHistoryPdf/? loanNumber=XXXX & searchTerm= & startDate=XXXX & endDate=XXXX Unfortunately, people ignore me and refuse to address the issue with me or resolve the issue, even though math doesnt lie. Your computers and their staff lie.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

After depositing a check with different name that account owner name ( my own account ), Chase closed the account and is holding the fundings from the check. The check is already cashed and sitting in the account. Chase is refused to return the funds to the origin bank, XXXX XXXX XXXX or releasing it to account owner. The check was issued by XXXX XXXX and they had a wrong name on the account. XXXX 's wants to issue another check with the correct name ; however, they will need fundings from their first check back first. I do have all documents including receipts for this transaction with XXXX XXXX. Chase is acting as if they own these funds and will not release it to account owner nor send beck to XXXX XXXX XXXXXXXX which issued and cleared the check.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I have a bankruptcy listed on my credit report XXXX which is being reported by lexis -nexs to XXXX and XXXX which is inconsistent and inaccurate missing information and wrong dates therefore this shall be deleted from their database.