davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose DISCOVER BANK account has become 120 Days Late Between XX/XX/2023 and XX/XX/2023, your DISCOVER BANK credit card status changed from " 90 Days Late '' to " 120 Days Late ''. During this period, you made 0 out of 1 payment on time.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (CT)

I leased a new XXXX XXXX XXXX in XXXX, XXXX through Chase Leasing. Near the end of the lease I decided to purchase the car and enter into a loan with Chase Auto Finance. The vehicle was sold on XX/XX/XXXX for {$47000.00}. The sales tax was capitalized into the loan and totaled {$290000.00}. The bill of sale was for vehicle {$50000.00}, which is the sum of the purchase price for the vehicle and the sales tax in Connecticut. I received the documentation necessary to re-register the vehicle in CT on or about XX/XX/XXXX. Included in the documentation was a check to the State of Connecticut for {$90.00}, representing the cost for the vehicle registration. They did not include the CT sales tax in that check which was dated XX/XX/XXXX. I have been calling every week since and Chase has yet to send a check for the sales tax which has been capitalized into the lease and I am paying principal and interest on. Meanwhile, my vehicle registration expired on or about XX/XX/XXXX and I am driving on an expired registration which makes me very nervous. I can not re-register the car until I have a check from Chase for the sales tax. I won't bother you with the endless and time consuming calls I have made to Chase, but I do want you to take this up as they have capitalized the sales tax into the loan and are not paying that amount to the State of Connecticut by check. They are forcing me to pay it TWICE to register my vehicle. WHICH I WON'T DO!! This massively inflates the return to Chase for this loan!!!!! This is a rapacious lending scheme!!! Imagine inflating the value of a loan over the value of the asset by adding sales tax and then not paying out the sales tax. This is CRIMINAL!! Moreover, if I get pulled over for a traffic violation, I will not be able to explain the lack of a current vehicle registration which Chase is SOLELY responsible for by not sending me a check, payable to the State of Connecticut, for {$290000.00}. I've attached relevant documents which show the sales price of the vehicle and the sales tax. I have also included the check for {$90.00} for the registration fee. During my frequent calls with Chase, they defend themselves by saying the {$90.00} is for sales tax. The Disbursement Request Detail ( which I have uploaded ) clearly shows that the are DMV fees. Please help.
Consumer complaint received 2022-10-18
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. (MD)

I have made several contact via mail and phone calls to the Credit Bureau Experian, XXXX and XXXX about fraud and wrong information on my Credit report despite sending all credit Bureau consistent letters and documentation that proves My address and Identity they still refuse to remove these Negative Items that is retarding my ability to obtain financing for my business and lively hood i have been sending letters since XX/XX/XXXX which makes 1 year since i have been sending them letters base on my last set sent XX/XX/XXXX, Experian Strategy seems to be just runs you in circle you send them your Address credential they required by law the refuse to make the dispute then when you call they saying you need to send the same legal requirement that you send them.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (MN)

For the last XXXX weeks I get an email saying I need to make a payment when I made a payment on XX/XX/2023. They pulled the money for said payment XX/XX/2023. This is after they claim it takes 3 days to take the payment. They are trying to force the late fee and returned check fee and God knows what other fees to be paid immediately. I made a {$50.00} payment ; from the money that was in the account from the beginning of XXXX ; and it was confirmed paid and that left it at {$120.00} left to pay according to their system. Returned check fee is I think {$39.00} and late fee is {$29.00}. When those two are added, they do not add up to {$120.00}. Even when XXXX  add in the payment I made, they do not add up to {$170.00} like they wanted.
Consumer complaint received 2022-11-25
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. (NJ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Informative Research (CA)

someone applied for mortgages in my name during the dates of XX/XX/XXXX, XXXX. totaling 10 times. I contacted the companies regarding this ongoing issue and i was told that they verified my signature through XXXX. This was not investigated nor validated.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (GA)

To whom it may concern, I am writing this complaint against the XXXX XXXX XXXX XXXX and I Q Data International Inc., referring to a debt charged to me, including a debt collection in my name. 
I point out the facts below : 1. I had an apartment rental contract with the XXXX XXXX XXXX XXXX beginning on XX/XX/2022 and ending on XX/XX/2022, i.e. a sixty days ( 2 months ) lease term, as per the attachment XXXX XXXX XXXX XXXX, which I filled and pay in full until the ending date. 
2. Furthmore, I gave to the XXXX XXXX XXXX XXXX a written Non-Renew Lease notice XXXX XXXX ( XXXX ) days in advance, as per the attachment Non-Renewal Advanced Notice.pdf. 
3. After I left the apartment, I started to receive some phone calls from the XXXX XXXX XXXX XXXX and I Q International Data as well as e-mails and a letter charging me a debt, which I do not recognize. Please refer to the attachment Letter from XXXX. 
4. I answered them that a sixty days notice in advance for a non-renewal communication is impracticable, Not Possible, Impossible, because the contract is a XXXX days lease. 
Reading the contract, these 60 days notice in advance would be considered as an early termination, which also makes no sense. 
I also stated to them the guidance depicted in XXXX  XXXX XXXX, which points that a XXXX days notice in advance would be enough. 
Please refer to the attachments Letter to Gardens Page XXXX ; Letter to Gardens Page XXXX ; Letter to Gardens Proof of Delivery.pdf and Georgia XXXX handobook.pdf. 
5. They never listened to me, and further put my name in collection, which is jeopardizing a lot my financial life. 

I kindly ask the CFPB to contact the XXXX XXXX XXXX XXXX as well as I Q Data International an appropriate behavior and actions, as well as to remove my name immediately from the collection status. 

Many thanks in advance, With Best Regards, XXXX XXXX
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: 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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 
15 U.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.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15USC 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 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. 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-01
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has a collection on my report that the original creditors seems to be XXXX XXXXXXXX XXXX. This account I believe was recently deleted from my credit file and may have been sold to XXXX XXXX XXXXXXXX. Anyhow Ive never had a credit card with XXXX XXXX XXXX or XXXX XXXX XXXX. For Ive been a victim of identity theft.
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where Bank of America closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced Bank of America to apologize, unlock our account, as well as fix our XXXX status so that we could open accounts again at any other bank. Rightly so, we left Bank of America and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because Bank of America created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at Bank of America with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted XXXX and they mistakenly opened a credit card for me, and to contact Bank of America as they created the initial problem for us. We did all possible attempts to contact Bank of America and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.
Consumer complaint received 2023-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TX)

Name is XXXX XXXX I reached out to the company called Merchants Credit Guide.I contacted them on XX/XX/ and requested them to send me a copy of the signed contract stating the debt I owe. On a recorded call they stated this is an attempt to collect a debt but could not furnish any information in regards to the debt. The amount in question is {$520.00} and this has been reporting on my credit report as of XXXX XXXX I have also disputed this item several times and it keeps coming back as account verified but no proof to show otherwise. 

I did not sign a contract with this collection agency and I would like this debt removed from my credit report immediately.I have sent them a cease and desist letter to the address on file as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached you will find proof of my current address and identity verification to validate that this is me and not a third party.Also you will find a copy of my report from XXXX and XXXX showing this debt and i noticed the account numbers are different as well.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian has reinstated XXXXXXXX XXXX XXXX account # XXXX without following the law that protects me from abusive practices such as this. I was never given the proper 5-day notice that they have put this erroneous account back on my consumer report and why?
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : -XXXX XXXX Date Reported : XX/XX/XXXX -Discharged XXXX  XXXX Bankruptcy Date Reported : XX/XX/XXXX. XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (OR)

To Whom It May Concern I bought XXXX XXXX XXXX XXXX, and I financed with Honda Financial Services ( XXXX ) XXXX XXXX or XXXX XXXX XXXX XXXX. XXXX, TX XXXX Account number # XXXX The payment due date will be on XXXX  of each months. I am always making the payment on the XXXX or XXXX of each months. 

However, Honda Financial Services had been sending the wrong statements say that I didn't make the payment. 

I have been calling HFS since XXXX, and I have been asked for correct statement. All HFS are not provided me the right statement. All HFS do not care for me. 

May you please help me, and I have been stressful since than. 

Respectfully, XXXX XXXX.
Consumer complaint received 2023-05-31
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-18
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. (TN)

assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 31 CFR 306.11
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

Someone has my identity and used to open many credit cards under my name but all the applications have been denied because blocked my credit. They used my Discover, XXXXXXXX XXXX  credit credit to purchase many big transactions. Also, they singed in my XXXX  XXXX checking account and transferred {$10000.00} from my XXXX XXXX credit card in to my checking account. Then, they tried to withdraw money at XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX. The teller XXXX XXXX ( XXXX ) XXXX replied that something was not right and denied then blocked my account. XXXX  XXXX case number is XXXX. 

XXXX XXXX Police report number XXXX on XXXX XXXX, 2022