davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (GA)

i, XXXX XXXX, a federally protected consumer never consented to do business with IC SYSTEM. Hence, IC System was never authorized to possess the private information of said consumer, XXXX XXXX. This conduct is in complete disregard of the Privacy Act of 1974. FDCPA also ; " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' ; " A debt collector may not engage in the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ''
Consumer complaint received 2022-10-17
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 15 USC 1681c-2 Equifax is supposed to block fraudulent information that i provide with my written statement and proof of identity theft report and valid identifying documents. These accounts are fraud and I have provided my identity theft report as well. This request is not an error, I have not received any goods or services or money for these accounts. Please Block and delete accounts. XXXX XXXX Account XXXX, XXXX  Account XXXX These Inquiries are Fraudulent also, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CRED XX/XX/XXXX Credit Card Opened by the XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2023-09-05
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: ALLY FINANCIAL INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. ALLY FINCL XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ALLY FINCL customer service representative.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

On XX/XX/22, I checked my PNC checking account balance and noticed that a {$5000.00} check written to XXXX XXXX was cashed for {$15000.00} by an unknown individual. This and other checks were stolen from a mailbox outside the post office. After multiple visits to two different PNC Bank branches, multiple phone calls, a report to the police, and a report to a government agency, I am yet to receive a refund to my account. I was told that PNC would have to refund me within 90 days per policy. I was also told that I could not close the compromised checking account which resulted in fees being charged for having a low balance. I was refunded {$50.00} of the {$75.00} fees charged after multiple complaints, but still no refund of my stolen {$15000.00}. I am owed {$15000.00} by PNC.
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I had a loan with citizens bank. I paid the loan off early. I did not cancel the automatic payment since it stated the next payment was due in XXXX. I figured if there was extra interest. Citizens took {$550.00} out of my checking account. I went to the branch and the manager was very rude and did not provide any help. I have contacted citizens multiple times getting different answers. They told me a check could not be released until XX/XX/XXXX After speaking to a manager XXXX, i was told a check was mailed out and they would have ti cancel it ands reissue after it was canceled oddly enough 2 checks came in the mail one dayred XXXX with had and post mark XX/XX/XXXX and another one dated XX/XX/XXXX same post mark I was then told the checks would be XXXX XXXX to me and and XXXX would call me back with tracking that was on XX/XX/XXXX As of today XX/XX/XXXX i have not received my money or a phone call with the tracking number I called XX/XX/XXXX spoke with XXXX would not answer any of my questions because another manager was in charge of this case its almost been almost a month and i am no closer to getting the money that is owed i am at a loss {$600.00} is a lot of money and true hardship Can some please help me
Consumer complaint received 2022-10-18
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. (FL)

am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts 1. 
XXXX XXXXXXXX XXXX  CREDITOR : XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (RI)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2024-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: DISCOVER BANK (GA)

Loan was closed and XXXX of the XXXX was to be sent by Discover Home loans to pay off my car. As of XX/XX/year> my car loan was not paid they said a check was mailed XX/XX/XXXX with no tracking information attached. They refuse to send another check until they recover the initial XXXX from a party provider which was requested over XXXX business days ago. I was told it would be XXXX business days max. I have been paying interest on the home equity loan and on my car loan on this XXXX for 26 days and now have to make full payments on both loans as well. They will not escalate the problem and will not put me in touch with anyone higher up.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (ND)

Data exposed in recent data breach resulting in accounts that are not mine being reported. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Lendmark Financial Services (TN)

I paid this loan for four years without missing payment. The XXXX XXXX going up when I finally just told them I wanted Information on what they were doing they said I had been paying for insurance XXXX the whole time to cover payment incase got XXXX. The money wasn't going on paying XXXX  the loan. I've never heard of such a thing I XXXX  XXXX ask for paper work I contract, payment history with no return on any of it
Consumer complaint received 2022-11-25
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I am in desperate need of this item to be REPAIRED or CORRECTED. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase Bank refuses to refund the unauthorized amount of {$210.00}. This Complaint relates to previously filed Complaint XXXX. Chase response and the merchant 's responses are attached. Merchant ( XXXX  ) confirmed that refund processing time depends on the financial institution ( Chase ). 
I reported fraud earlier to Chase and changed my debit card, later I closed both checking and savings accounts with Chase. Chase reverted the charges earlier, but for some unknown reason decided to deduct this amount again despite the evidence, written confirmation from the merchant to me confirming unauthorized activity, and refund of all charges. Chase however in response to the previous complaint requested my XXXX and XXXX billing statements from the merchant which is a violation of my privacy rights in that particular case. I request Chase to submit written evidence of the merchant 's response to prove their diligence and ability to conduct an investigation. The person who contacted me - XXXX with the phone number XXXX x XXXX - never answered the phone after the bank provided a written response to the complaint ( attached ). I demand a refund from the bank, as the refund was issued by the merchant, but the bank processed the transaction at its own discretion after it was reversed once. The confirmation email from the merchant clearly states that it depends on the financial institution!!!
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

I disputed a charge due to never receiving goods I paid for. The Cashapp dispute team denied the dispute, so, I requested the documents supporting their denial. They only sent a document stating that the charge was authorized by me and that there was no error, this does not address the reasoning for my dispute at all.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, 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. (NY)

Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting.

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A judgment was entered against me in the XXXX XXXX Court on XX/XX/2022 by XXXX XXXX XXXX on behalf of Bank of America for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with XXXX XXXX XXXX to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that XXXX XXXX XXXX will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I previously had checking and savings accounts with Bank of America, which I closed mid-2020. On XX/XX/2022, I received an email indicating that a new account had been opened, which I did not immediately notice. On XX/XX/2022, I received a follow-up email with the subject heading " XXXX, just a few more steps to get the most out of your new account, '' which I noticed almost immediately. That same day, I contacted Bank of America through its automated service line, after several attempts ( including one disconnection ), and several transfers, I was transferred to the relevant fraud department, who opened a claim and said the account would be closed. The process took about an hour. 

Who ever created the account used BoA 's " online portal, '' as fraud personnel described it, and had my ssn. However, I checked recent login activity for my account ( using the login and password for the account closed in mid-2020, which I had not used since ), the only recent activity listed was my own login. It seems quite possible, then, that the account was created by a bank employee. But BoA 's fraud department would not share much information. 

I've attached the first/only account statement. You'll notice that the address makes absolutely no sense and is a mix of two addresses I had earlier in life.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: GFS II, LLC (MI)

I got a car from XXXX XXXX XXXX XX/XX/XXXX, the interest rate is predatory my care note is {$750.00} XXXX  a month my interest rate is 20.95 %. On XX/XX/XXXX I went to my credit union to see if I could refinance because the {$750.00} has become a lot to pay and they informed me that what they say I owe on the car is {$10000.00} XXXX  more than what the car is worth and it was nothing they could do to help me. I contacted XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI where I got the vehicle and they told me the same thing it was noting they could do. I also contacted Gateway Financial Solutions and I got the run around and no help from anyone. On XX/XX/XXXX I was contacted by XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI from a sale person name XXXX. I call XXXX and he proceeds to tell me that they are buying back cars from people who bought cars from them going back from XXXX, All the salesmen involved in deals have been let go and XXXX XXXX wanted to make it right by assisting in changing my rates and offering me a lower monthly rate. So i go see what they could do for me. I go to XXXX XXXX XXXX on XX/XX/XXXX and he's saying do I have a co-signer and do I have any money down I was extremely disappointed I explained to him that I had no intentions in doing anything I came because he informed me that they were buying back cars from people since the above date. I am extremely angry and disgusted by they way companies lure people in who are already struggling just for them to be let down.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.