davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

Chase stole my security/bond that I mailed in registered mail and did not credit my account. I have attached the USPS return receipt that shows the representative that signed for the security as well. Chase lists in their disclosure, payment instructions for " conditional payments '', other forms of payments or special endorsements. I followed the instructions as instructed and my account was still not credited. After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my security was accepted, kept, scanned into the system and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues. I understand that the STATEMENT that is mailed to me every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the coupon ( book-entry note ), is actually a dividend payment from securitizing my account and the transferring/trading of my securities in public markets and private transactions through CHASE XXXX XXXX, CHASE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, owner trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX trustee and JP MORGAN SECURITIES XXXX , just one of the underwriters. It is not a BILL for me. The obligation is the issuers, CHASE XXXX XXXX per their indenture agreement, Securities Exchange act of 1934, the Trust Indenture Act of 1939. On the call, which was automatically recorded, I requested a supervisor above XXXX. However, she refused and told me that there is no one above her. If I want a resolution, the only way would be for me to send in a written request to the correspondence department.
Consumer complaint received 2021-03-20
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. (CA)

There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-01-06
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I disputed my XXXX account ( XXXX ) with Experian, due to the fact that the account has reached its seven years and should be removed from my credit report. Experian claimed they verified the account but did not provide me with a date the account was paid and closed, which is not showing on my credit report. This means they are in violation of the FCRA.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

I had a car loan with Chrysler Capital for my XXXX that was involved in a total loss accident XX/XX/XXXX. I had full coverage and gap insurance that paid out on this vehicle to Chrysler capital. There was also a refund for disability insurance that was paid to Chrysler capital as well. I released my title to XXXX insurance company, as requested. Now, Chrysler capital is stating I owe them {$5600.00} due to late charges and payments that were added to the back end of the loan. I spoke with my gap insurance and they explained that they paid out based on the paperwork that they received from Chrysler capital and it sounds like to them Chrysler capital is trying to charge interest for the time of the contract which would have ended in XXXX, and that is not legal. Even if it was calculated for late payments or deferring payments, that would be no more than $ 2000.00.So I am asking for the amount that they say is still owed, to be investigated? I also have attached XXXX which is Gaps payment breakdown, based on what Chrysler Capital sent them.
Consumer complaint received 2023-07-03
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I examined my credit report and found that a late payment dated XX/XX/2023 from Capital One. 

According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A " late payment is consider a transaction ''. 

Account Name : Capital One Account Number : XXXX Please Update this transaction on XXXX XXXX XXXX  to current/terms met. It is affecting my credit worthiness.
Consumer complaint received 2021-01-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Spoke to a XXXX XXXX XXXX today XX/XX/2021 and I was told that Select Portfolio Servicing had tried on 2 occasions to do a ACH transaction just using my bank account number with a different amount in which I did not authorize an ACH transaction. XXXX XXXX is investigating the ACH transaction. The Banker also explain to me that companies or merchants sometimes put through a ACH transaction using the bank account number and change the amount or change the name so that the transaction can go through.
Consumer complaint received 2023-09-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

On XX/XX/, I received a letter from Hunter Warfield attempting to collect a debt from XXXX at XXXX in XXXX Colorado ( XXXX ) in the amount of {$7300.00}. I attempted to contact XXXX at XXXX to rectify this fraudulent account. They were aware that the person that was using my name was identity theft. I contacted them prior to filing the police report. A detective ( XXXX XXXX XXXX ) assigned to the case contacted XXXX at XXXX to identify the perpetrator but was unsuccessful. The person was later evicted and the remaining unpaid balance was sent to collections.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-09-04
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: World Omni Financial Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-01-02
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. (NY)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act.

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

This what i sent to the credit departments of Transunion, XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (PA)

In accordance with the fair credit reporting act GM financial acct # XXXX has violated my rights. 

15 USC1681 Section 602 states that I have the rights to privacy.

15 USC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (FL)

Went to Doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, diagnosed XXXX and I shared my insurance information with doctor, he suggested treatment which consisted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a few sessions, doctor never explained that this XXXX was not covered by my insurance and now I have a collections agency calling and negatively affecting my credit.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Recovery Solutions, Inc. (CT)

First contacted XXXX/XXXX/16. Goes by numbers ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Asked for information from them and said they were First Recovery. Wanted to verify my social security number. Asked more questions and little or no response. Called again and was addressed by a different name. Representatives spoken to named XXXX ( twice ) and XXXX. Threatened to call the police last spoken to and ended conversation. Reporting immediately.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was informed that under my credit report specifically from Equifax I appeared as an authorized user of a XXXX XXXX XXXX credit card that seems to be charged off or in collections. When I called Equifax they said they could not remove this and that they needed to submit a case to XXXX. They also suggested I reach out to XXXX myself. When I did after multiple hours of research and being transferred to multiple departments no such account exists under my SS #. All my accounts with XXXX are current and in good standing. I even had them look into my deceased grandmothers account which could have been the only possible scenario of who would have added me as authorized user. And again all the research resulted in them not being able to find anything that links back to me. I am in the process of a very important purchase with a closing date of XX/XX/24 and at this point this situation is putting that in jeopardy. I am at risk to not have this resolved on time both Equifax and XXXX state it takes approximately 30days for a solution.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

This is my second complaint and the first one was closed and I have gotten no help. My previous complaint # XXXX on XX/XX/ was not resolved and Equifax did not address the issue. I have not had access to my credit profile for months and I have called them and I have tried myeqifax and it will not give me any updated information. The only thing I get is an error code and I am told to call the XXXX number which I have 10 times and they will not fix it. Please stop closing my complaints without addressing and resolving the issue. I have no access to my credit report and I have been denied credit due to this.
Consumer complaint received 2021-01-04
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. (PA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX  Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX XXXX again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2022-10-25
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: Affirm Holdings, Inc (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX affirm and account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (FL)

I had filed XXXX XXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX  XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (VA)

Received a offer in mail stating I was pre approved for a loan from a lower amount to a high amount. I then required to basically re do application even though I put in a pre approved code. I'm then denied after all that. I was also asked how much I needed. So they lie about pre approved so clients can apply.