davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prince Parker & Associates (AR)

ON XXXX XXXX XXXX MY XXXX XXXX XXXX RECORDED CALL FROM XXXX AT XXXX WAS PROVIDED TO THE COLLECTION AGENCYXXXX PRINCE PARKER & ASSOC. IN DISPUTE OF A XXXX DOLLAR COLLECTION FROM XXXX. IN THE CALL, XXXX MAKES CLEAR THAT I AM NOT OBLIGATED TO PAY THIS. SHE SAYS : YOU WILL RECEIVE NOTICE CHARGE OF XXXX DOLLARS WILL BE AUTOMATICALLY CREDITED TO YOUR ACCOUNT, WE ARE GOING TO WAIVE IT FOR YOU, YOU DO NOT NEED TO WORRY ABOUT IT, TICKET NUMBER XXXX. PRINCE PARKER HAS THIS PROOF THAT I AM NOT OBLIGATED TO PAY THIS, BUT THEY REFUSE TO REMOVE THIS SLUR FROM MY CREDIT REPORT. TODAY, XX/XX/2022, I DISPUTED THE CHARGE AGAIN BY CALLING PRINCE PARKER WHO REFUSES TO DO ANYTHING MORE THAN KICK IT BACK TO XXXX. 

Recorded call XXXX  link ( video file ) available until XX/XX/XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (NC)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have been a Chase customer since XXXX. They are my major depositing bank for my personal account and business accounts. I have XXXX personal credit cards and a business card with them. As many, I got laid off just before the pandemic and decided to open up a business in XXXX however the next year the world shut.. So we used are credit cards to survive. Business is getting up to speed and growing. Throughout the whole pandemic, I have struggled with some of my creditors HOWEVER has ALWAYS paid Chase due to my longstanding relationship with them ( sometimes at the detriment of paying others )! 


Today, XX/XX/XXXX I was reviewing my personal Chase accounts and notice that my XXXX XXXX XXXX ending in XXXX has {$0.00} available credit ( which I deemed odd since I recently saw it has credit available and I had just also made a payment on XX/XX/XXXX and was Current! ) Then I notice the same with my XXXX card ending in XXXX? 

I called Chase credit card customer service and was transferred to a XXXX at XXXX XXXX  @ XXXX XXXX on XX/XX/XXXX. XXXX reviewed my account and said that due to the high balances on my cards and some negative items on my recent credit, Chase is shutting down my XXXX cards. I explained that despite the financial struggles, despite the pandemic, I have " Continued to make my payments on time and was late of recent but made my payment to catch up within less than 30 days.. This was due to my XXXX XXXX relationship with Chase ''. He said it didn't matter and provided me with an non-sensical example of " if I lent you {$500.00}, I should expect to get paid the {$500.00} in a reasonable amount of time '' to which I responded " no, because that's a loan which implies a fix timeframe, we're talking about Revolving Credit which doesn't have to be paid off and the bank make MORE MONEY if I don't ever pay it off ''! 

The bottom line is that I feel that by Chase taking this arbitrary act against me because " I owe and been behind with OTHER banks '' that has not only limited me on credit but WILL CAUSE A NEGATIVE CREDIT IMPACT THAT DIDN'T HAVE TO BE THERE SINCE I CONTINUOUSLY PAID THEM!!! 

I am requesting your assistance in requesting that Chase Reconsider this act and prevent them from putting a negative " Account Closed by Creditor '' on my credit report. 

If I were negligent in my responsibility to Chase then they can take action to shut my down and affect my credit.. but this act will put an unwarranted Blemish on my credit with a creditor that I am maintaining a good standing and have done nothing wrong but KEEP PAYING THEM HIGH INTEREST CHARGES! 

Regards
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with Transition, XXXX and XXXX. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Debt Counselors, LLC (TX)

UDC, LLC, in XXXX, Texas, sends letters trying to trick people into calling by giving indications that debt is past due when they are really just trying to refinance it. They send a letter on pink paper - historically the color of past due notices - using a style and language that makes people think their debt is past due. For example, the letter begins, " Please contact our offices at XXXX within 10 days of receiving this letter regarding the adjustments of your credit accounts. '' Also see other language in the letter ( attached ). 

These tactics should be considered a violation of UDAAP.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Hello, I was charged $ XXXX XX/XX/2022 by a hotel for a reservation that was cancelled XX/XX/2022. I reached out to the hotel and they cancelled it, also refunded me, and sent me the proof via email. The bank involved originally gave me a provisional credit, but month later, charge me again for that same amount. Since XX/XX/2022 the bank has credited/charged me XXXX times, although I have disputed it via email/mail/fax and none of them have been reviewed or taken into consideration. Every time I reach out to the bank, I speak with different agents who dont see my documents, who are giving me different instructions, dont see the information from the last agent, agents who giving me different reference numbers, and people who do not care, no empathy. This has caused XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and all I want is for my credit to be issued, and this dispute to be resolved once and for all. {$330.00} XXXX not be a lot to the bank for me living paycheck to paycheck {$330.00} is a lot of money. I received a letter that they will again be debited this money from my account XX/XX/2022, although Ive disputed it XX/XX/2022 and disputes take XXXX ( because no one is looking at my documents they keep closing the dispute ). 

XXXX charge XXXX credit XXXX charge XXXX credit XXXX charge XXXX credit XXXX pending charge
Consumer complaint received 2020-02-05
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)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2022-12-29
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. (MN)

I sent in FCRA violation on XXXX XXXX i receive a message from my XXXX  XXXX services that something was remove! XXXX  or Equifax I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the XXXX XXXX XXXX be removed nothing else and Ill be waiting your response I think you
Consumer complaint received 2023-02-28
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. (MD)

XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer report.
Consumer complaint received 2023-06-04
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AP)

In early XX/XX/2019, I applied for a refinance mortgage with Navy Federal Credit Union. I agreed to pay points and was approved for a 2.5 % rate. It took an extremely long time for anyone to call me back regarding the status of the loan. I was told that I was approved for the loan. Last week I received a notice stating " we have exceeded the validity of all documents, including the credit report for this loan application. '' I do work overseas for the XXXX XXXX XXXX. but the house is my primary residence which I return to occasionally through out the year. Even if it where a second home my loan to value ratio is 25 %. After getting this email ... ... .my loan information has been deleted from my internet banking account. Furthermore no one has returned my calls regarding this loan. It appears that Navy federal does not want to honor the 2.5 % rate. Also there are several complaints on the internet about Navy Federal.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 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 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Byrider Franchising, LLC (NC)

In the years XXXX I entered a 2nd agreement or loan with J.D. Byrider now know as Byrider in the XXXX and XXXX area in the amount of {$13000.00} for a XXXX XXXX XXXX. The vehicle had to have it's door and window replaced from an accident and was deemed a total loss just as the previous car I purchased from them was deem ( for the back bumper needing to be replaced ). The company told me that they had gap coverage for the vehicles. I had no problem before the vehicle was hit but after the incident JDByrider claimed to not have gap coverage and now reports the balance on my credit report. After several escalated phone calls it was determined that they were not going to be amicable about the loan and their agreement. 

When the truck was bought it was filled with red mud in the vents and carpet. Which was told by the salesman to have been worse than what I was seeing when it came in. 
Within a month of having the vehicle the transmission went out on it so I feel like they felt as though they would get more out of the vehicle by taking it back and reselling it themselves. While I the consumer, a single mother, who trusted them, reaped the re-processions of dealing with them years later.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

Earlier this year I filed a complaint in regards to us bank. 
I'm not sure how the timing works. 
I didn't have access to exactly all of my old paperwork due to family funerals and the house of my family getting burglarized several times where majority of my old paperwork was stored. 
I had an account with U.S Bank in XXXX. 
I applied for a card to build MY CREDIT through XXXX XXXX on XX/XX/XXXX. 
I payed XXXX XXXX 
My card was not charged until XX/XX/XXXX. 
I called XXXX XXXX and they said they refunded the money and did not tell me why. 
The exact same week I get a letter of insufficient funds. 
On XX/XX/XXXX I got a refund. 
I was not given an opportunity to pay the {$46.00} WHEN I WENT INSIDE THE BANK IN PERSON, NOR keep my account open. 
I RECIEVED AN odd all XXXX XXXX XXXX XXXX in XXXX that year from the XXXX XXXX  stating my account was closed. 
I tried to pay it again and asked if I could pay it and open a new account and was told I could not. 
I had no choice except to eventually go down the streeXXXX and open an account at XXXX XXXX XXXX XXXX WHERE MY ONLY OPTION WAS " SECOND CHANCE CHECKING '' I DIDNT LIKE HAVING TO DO THAT BUT MY ENTIRE FAMILY USED XXXX XXXX XXXX XXXX XXXX I TRUSTED TO USE THEM. 
THIS YEAR I found paperwork to a trust account for myself that my grandmother had put up for me XXXX XXXX 
When I searched all the places that took over XXXX bank it turned out To be XXXX XXXX now. 
The XXXX sent me a letter after I inquired with fdic about the trust account that stated I had not applied to XXXX XXXX XXXXor credit since XXXX and was denied. 
I applied on XX/XX/XXXX and payed and the money was refunded. 
XXXX letter from the XXXX was addressed to Mr. then another one to Ms XXXX more distortions. 
I am a woman, was born a woman. 
I do not have a guardian, at least not to my knowledge. 
Back to U.S. bank I RECIEVED AN email in XXXX stating that my address on my account was updated. 
I did not have an account, my account was CLOSED IN XXXX OF XXXX IN XXXX I BELIEVE SOMEONE FRAUDULENTLY FILED GUARDIANSHIP OF ME. 
I WAS IN THE THE ER ON XX/XX/XXXX THIS YEAR I WAS TRICKED INTO SIGNING A BLANK GUARDIANSHIP, I WAS THERE FOR AN INJURED ARM. THE WOMAN TRIED GIVING ME DRUGS, WOULD NOT LOOK AT MY ARM AND SENT ME HOME WITH PAPERWORK FOR AN INJURED LEG AND WRONG INSURANCE INFORMATION. 
I FEEL WHO EVER IT IS THAT CHANGED MY INFORMATION IN US BANK IN XXXX has something to do with this entire issue BECAUSE I HAVE HAD ISSUES TRYING TO GET ANY OF MY INFORMATION FROM SEVERAL BANKS.