davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

Chase.com lists a phone number for the following : " Litigation documents, Summons and Complaints, Foreclosure, Bankruptcy documents, Governmental Inquiries or all other documents : Legal Papers Served JPMorgan Chase Bank , N.A . 
Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX United States XXXX XXXX : Fax No. : XXXX or XXXX XXXX XXXX. : XXXX '' The phone number listed is not in service and should be updated or removed from the website.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My mortgage account XXXX was transferred from XXXX XXXX to XXXX. 
I found out about the transfer upon logging into my XXXXXXXX XXXX account and seeing the loan was transferred notification with no any further information. 

Ive made XXXX attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused. 

Im looking forward to your timely response. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (NJ)

Equifax is now reporting 1 month delinquency on a credit account. My fico reports do not show any delinquency but it is reported under my score and has recently dropped it. Equifax says that its an error with fico. Im been denied credit due to this issue. Equifax is the only CRA reporting this issue. I have called in and they say they havent made a mistake. I am also completely unable to see the results of my disputes online. There is no pdf available for them.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I discovered that my credit card accounts had been closed only when they suddenly disappeared from the online banking website. There was no communication from Bank of America informing me about these closures. 
Moreover, I suspect that some of the closed accounts may have had negative balances ( some of them were requested by me and I think there were negative balances, however I can't track as they also disappeared from the website ). In such cases, I am entitled to receive refund checks for any remaining credits on those accounts. 

My attempts to resolve this issue through customer service have been futile. I was informed that they can not access any information regarding my previous credit card accounts, which is unacceptable.
Consumer complaint received 2023-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

This debt arises from a XXXX account that was canceled in NJ before my move to FL. I canceled the account in XXXX XXXX. The debt arises from utility usage from XXXX XXXX to XXXX XXXX. While the account was active and I was living in NJ the account was paid through XXXX bill pay site. After XXXX XXXX no additional bill was presented for payment on the bank site. No e-mail, paper bill or phone call was received. 

The first contact about this delinquency was made in XXXX when a different collector contacted me by phone. I responded with information that I moved to FLA and canceled the NJ account in XXXX XXXX. I never heard from that agency again, who indicated they would further investigate the situation. 

On XX/XX/XXXX I was texted by XXXX that I had an account in collections. I went to the XXXX site and pulled up the information. I contacted the agency, IC System , IncXXXX, who did not attempt to call me on the phone ( I still have the same phone number ), mail, or e-mail. I explained that this is a recurring error, they told me the debt would remain on my credit report until I paid the debt. I paid the debt that does not belong to me to avoid further damage to my credit. This company unethical collection tactics by reporting the erroneous debt to credit agencies without speaking with me or investigating the debt. They not only threatened to report the erroneous debit, they actually reported it without contacting me. I am now spending numerous hours to fill out disputes and enter statements with my creditors. I am getting e-mails and phone calls from debt repair agencies and my credit score dropped over XXXX points! 

The agency indicated it would take XXXX to XXXX  days to remove the collection from my credit report after I satisfied the debt. If no payment, the collection would remain. They were unwilling to further investigate the original error made by XXXX. The account was canceled so long ago l ( almost XXXX  years ) that I no longer have any of the account information or anything I did with the original agency to dispute that the account was active after XXXX XXXX.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX of XXXX and XXXX of XXXX Capital One Bank put a late payment on my account. This was an auto bill pay issue and a glitch in the system. I keep all my accounts on autopay for peace of mind. The bank recognized this and reported the payments late, I have since then have been trying to talk with the bank to ask them to kindly remove them because of an autopay error, but they will not. This has greatly effected not only my credit score but my credit worthiness to be able to obtain credit and achieve the American dream on being able to own a home.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-10
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX/DEPT OF XXXX # XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2008 Balance {$430.00}
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.
Consumer complaint received 2023-10-10
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-03-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Ave Student Loan Servicing, LLC (PA)

I have consolidated my federal educational loans through College Ave as of XX/XX/XXXX. While I am grateful for the opportunity to consolidate my loans, I am deeply concerned about the level of service being provided to borrowers during the global coronavirus pandemic. 

Three months of emergency forbearance ( while interest continues to accrue ) is simply inadequate and downright immoral. 

At the very least, College Ave should align to newly-mandated federal govt policy under the CARES Act : 1. All payments due through XX/XX/XXXX should be suspended immediately. 
2. No interest should be allowed to accrue on loans during that same period. 
3. No negative credit reporting on student loans during the same period. 

Why has College Ave chosen to not align with new federal guidelines on how borrowers should be supported during this time of crisis. With many borrowers facing the loss of employment/income, increased medical expenses, extremely ill if not recently-deceased family members ... how can College Ave in good conscience continue to fleece borrowers? 

My sincere hope is that College Ave revisits and revises its treatment of its borrowers during these unprecedented times. This is a moment in history when companies that care about their customers are set apart from the companies that show an utter disregard for consumers.
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I, XXXX XXXX, the consumer and natural person, were denied credit with a XXXX score and no counter offer by Credit Acceptance Corporation when I applied for a new XXXX XXXX for approximately {$50000.00}. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Credit Acceptance Corporation due to the response I received. I have attached it to this letter.

Credit Acceptance Corporation is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Credit Acceptance Corporation. Since you are the borrower and borrowed my application, I'm in demand for the borrower to retract/return my application ( security ). 

If Credit Acceptance Corporation fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Credit Acceptance Corporation criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Consumer complaint received 2023-10-08
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: Experian Information Solutions Inc. (TX)

To whom it may concern, I received my credit report and I have found unauthorized credit inquiries listed that are not related to any transactions by me. XXXX XXXX XXXX  XX/XX/2022 XXXX
Consumer complaint received 2024-04-04
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. (IL)

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 2022-09-09
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. (DE)

This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.
Consumer complaint received 2023-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

In XXXX of 2023 there was XXXX medical bills supposedly owed to XXXXXXXX XXXX XXXX and professional collector corporation was collecting for them that was on my XXXX report. The bills couldnt be validated so they were taken off my credit report. So Equifax took one of the bills that was dated XXXX this one was already disputed and removed since it couldnt and wasnt validated. Theres another bill XXXX for XXXX again this bill was fake as well since I havent been to any part of XXXXXXXX XXXX XXXX for at least 5 months. The last time I went to XXXX was when I had a cold back in I believe it was XXXX of this year. Equifax decided to take these bills without varifying each of these bills. Then Equifax dropped the XXXX bill for XXXX. Equifax still left the other bill on my credit report for XXXX. This bill is false. There needs to be action taken since they must have gotten some type of kickback to take the chance of getting a fine by the ftc. I will make a complaint every single time they say XXXX  has done nothing wrong and keeping a fake bill that is not verified on my credit report. So until someone does something I will just keep making complaints against XXXX, XXXX  and the credit bureau if I have to.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Someone was able to hack into my PayPal account, add their debit and bank account information, and then begin transferring money from my checking account to my PayPal account and then into their bank account. I filed a complaint with PayPal and am being told a minimum of 45 days before I will hear anything. Several Transactions ( totaling an excess of {$700.00} ) are pending. When I contacted my bank ( XXXX ) I was told there was nothing they could do to stop the transactions from processing. Between XXXX and PayPal, I am being given the runaround, which means these transactions will go through, my checking account will go negative, and XXXX will then charge me additional fees on top of my losing money. I have attempted to be proactive in resolving this issue and neither XXXX nor PayPal are cooperating. I do NOT think it is right that because PayPal has a lack of security, I lose over {$1500.00} in less than 2 weeks. Where is the accountability?
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.