davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc. (AZ)

I received a call today  XXXX  from my old boss stating that a woman by the name of  XXXX  was trying to reach me through an agency called  TCS ( t hunderbird collection agency. I have been asked me to inform them that I am no longer employed there and to stop contacting the company, as it is a place of business. I spoke with  XXXX  already and told her I will be contacting her on a certain date regarding this collection and she still proceeded to call my old place of work and also numerous fax 's with my first name and different last names.
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (ND)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Consumer complaint received 2022-12-13
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially 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 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 2020-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

i am lodging a formal complaint against phoenix financial services. this debt collector has reported derogatory info on my credit reports in the amount of {$1100.00} for a debt that isnt mine. this derogatory account just popped up on my credit reports with no dunning notice from phoenix, which is a violation of the fdcpa/fcra. debt collectors must send notice which then gives me 30 days to dispute validity. I have never recieved anything from phoenix financial. i am in the process of purchasing my very first home for my family and i.now my realtor is telling me this errounous account is holding me back. i am requesting immediate deletion of account from my credit reports. better business bureau, and attorney general complkaints will be filed next if this account isnt deleted. thank you for your time!
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I closed an account in XX/XX/2018 with my previous bank. I hadn't used this bank in several years and generated inactive fees. There was also an attempted unauthorized charge that put the account in negative. Once being made aware of the account status I immediately went to the bank. I brought the account to good standing and then closed the account. A couple weeks later I received a credit alert stating I had a charge off from said bank. The charge off was done after I closed the account. I have tried to dispute this several times through Experian and the states remains the same ( Paid, Charge Off ). I have uploaded a document I received from the bank stating they inaccurately charged the account off and Experian states based off the info they have received from the bank they status should remain the same.
Consumer complaint received 2020-08-22
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 have sent Equifax 11 letters and NOT received one response regarding Unknown XXXX XXXX XXXX XXXX XXXX XXXX 

Nor has Equifax deleted said item due to their inability to verify or validate said collector. 

This is very annoying as this is my only negative thing on my credit report and it is reported incomplete, and inaccurately. 

XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX   Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (CA)

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 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 2023-08-14
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: Experian Information Solutions Inc. (AZ)

Upon checking my credit report to purchase a home, I realized there were accounts, inquiries, and an address that were damages on my report. This is defamation of my character. I reached out to the credit bureaus multiple times and the errors were not fixed. I reached out to the creditors multiple times through mail and NEVER received a response. According to 15 U.S.C. 1681 law my rights have been violated. I NEVER gave written consent to report anything on my consumer report which violates my right as a federal protected consumer.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

Apparently for as long as I am able to go back on my statements, American Express is not applying my payments to my cash advances correctly. I have been making thousands of dollar in payments however my cash advance balance is not reduced. I had to call them yesterday to manually fix the XXXX dollar payment I made on XXXX XXXX. I was told the payment was not being applied to my cash advance balance as it should. If it is affecting mine I am sure it is affecting other accounts than just mine. If their customer service would have took the time to look over my statements this may have been alleviated. However, the customer service agent made it seem like I was wrong right from the start until he got assistance from management and then told me I was in fact correct, payments are not being correctly applied. This is completely unacceptable and without excuse. The only way this can happen is if the automated system is manually manipulated, meaning this is done on purpose.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I opened my account with Chase Hyatt Credit Card in XX/XX/2024. My credit limit is XXXX. Chase failed to notify me of suspicious activity. Someone attempted to access my online banking, failed but was able to add a voice password I did not authorize. I was receiving many scam calls to my phone number I decided to cancel my service and began a new service with XXXX. Everything is under my name, when I tried contacting Chase Credit Dept to notify them of this change, they had locked my account because it was flagged but we're unable to provide me with any information. I asked if there was other ways to verify my identity, Chase refused to verify me any other manner except for a text being sent to my disconnected number. I explained this but they kept telling me they will give me a call back from XXXX min to XXXX hours, but never did. I checked my XXXX XXXX and currently they are reporting that account as being active and showing I have full access to my credit card, when In fact I have not been allowed to use my card. Chase is also aware that my account including my checking online was compromised but have refused to let me know who or when or how this happened.
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to TransUnion XXXX and XXXX credit services This is a follow up and legal document in pursuit of lawsuit versus Transunion XXXX and XXXX credit services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXXXXXX XXXX late payment, XXXX XXXX and XXXX XXXX was all fraudulent reported as of today, the only company that has removed some of the accounts is trans union, they have removed all accounts except for XXXX and XXXX 
XXXX and XXXX have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 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 15U.S.C 1681 s-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. 

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.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

I contacted chase bank via their number XX/XX/24 about transaction that was made on XXXX account via cyber attack/malware how ever hackers do things these days Which was five places. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. the second i longed into my account and saw the transactions. From what i saw they moved the money from my savings into my " secure banking account '' I called XXXX  they did the claim etc i changed all my passwords etc even baught a XXXX  thing for my pc like the lady told me to. Ok cool thought it was XXXX XXXX  be resolved. XXXX  funds was back. then XXXX  they was gone again so i went to the physical bank and talk with the lady which they put her through the same process they did me asking questions etc. ok thought i was good again. Then the XXXX XXXX XXXX  XX/XX/24 i went to have my account unfrozen all that the couldn't unfreeze it so i gave up then later that night i called chase again to get the account unfrozen and they 1 woman finally got it unfrozen. So here i am XXXX  XXXX calls me via her office number XXXX XXXX XXXX ext XXXX i answer thinking she was gon na ask me if i got everything worked out which she did i said yes. next thing i get the XXXX thrown at me that my claim was denied i asked why she said i have to call the claims office upset i didnt know what to do completely clueless on how this whole thing works so i get brushed of we hang up i called the claims office they tell me the transactions match my ip address and im sitting here like i just told u i think my computer got hacked idk how but it did that i didn't make this transaction. these place are all on the west coast of the united states Ohio or Idaho Arizona places like that I live in XXXX XXXX on top of this i never delt with any of these places. I dont even have doctor XXXX XXXX XXXX XXXX XXXX XXXX i dont know what the transport thing is or the other i dont deal with these companies. i dont even have XXXX  i live in a XXXX. All in all the end of the conversation she said i need to call the XXXX office me confuse like thats who called me and told me to call yall so im just getting the run around meanwhile yall about to take of XXXX $ out of my account for something i didn't even do. I feel like they didn't bother to investigate deeper and actually call these institutions. Like what do we have police or the fbi for?
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

While in strong disagreement with terms without a signed agreement, my professional consultants were able to locate part of the principal error. 

We worked with my bank to obtain past information. 
Sallie Mae cashier check, at their request, for {$1800.00} dated XX/XX/2004 is not showing as part of the payment history to my account.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (MD)

BANKRUPTCY REPORTING DISPUTE I would like to bring to your attention an erroneous bankruptcy reporting on my consumer report. On XX/XX/2023 I requested Experian to conduct an investigation on a bankruptcy reporting on my consumer report. I asked Experian if they found inaccurate information to remove the information reporting. Upon further investigation on my behalf I have found the adverse information of a bankruptcy can not be validated by XXXX XXXX. The document presented in this complaint shows XXXX using this information of a bankruptcy that can not be validated by XXXX XXXX dated XX/XX/2023 On XX/XX/2023 XXXX advised Experian that the bankruptcy reporting could not be validated upon the final investigation. I was under the impression that this error would be corrected promptly. 

However, it has come to my attention that an appropriate investigation has not been conducted on the behalf of Experian and the bankruptcy reporting still remains on my credit report. This is a violation of my Fair Credit Reporting Act ( FCRA ) rights under code U.S.C. {$15.00} 1681.

I kindly request that Experian immediately remove the bankruptcy reporting from my credit report immediately. Failure to do so will continue to harm my credit standing and may result in further legal action on my part to rectify this issue. 

Thank you for your prompt attention to these matters. I look forward to your immediate action to rectify the situation. 


1. Copy of Driver 's License 2. Experian credit report showing the validity from XXXX XXXX. 
3. Copy of Social Security Card 4. Recent XXXX  Utility Bill 5. Letter from bankruptcy court 6. Letter from XXXX XXXX of bankruptcy not validated
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Trans Union XXXX accounts listed below, has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A, states I have a 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 written instructions.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (WA)

Carmax Finance is charging {$11.00} per day finance fees. My payments are rejected. Money is just sitting in my account.

Payment dates are shuffled around.

I don't know if it's a digital error.

They gave me 14.5 % APR so my interest alone is XXXX XXXX.

I have paid XXXX on the car and it reflects that I owe the same as purchase. I owe XXXX XXXX today for late fees. Which are criminal and they aren't even allowing me to return the car. So I don't know what to do.
Consumer complaint received 2023-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number XXXX