davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Attention XXXX XXXX : I applied for an American Express Gold Card on XX/XX/2023, & was denied. Regardless of the reason for being denied, I have the right to credit. Im giving you SECURED INTEREST inside my estate ( Treasury ). My application is a SECURITY, which is SECURED by MY ( Social Security Number ). You are SECURED by going into business with me. Withholding access to my securities is security fraud. Youre violating the equal credit opportunity act & consumers credit protection act. This entire consumer transaction ( Credit Card Is For PERSONAL USE ) is predicated on my unlimited credit. 
( Title 15 Subsection : 1611 Faults & Misleading Denial Of My Own Credit ) Since you are denying me my own credit, please retract my application. Thank you! XXXX XXXX : Attorney In Fact For : XXXX XXXX
Consumer complaint received 2023-08-07
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

I am writing to respectfully request the removal of a late payment entry from my credit report, which I believe has been inaccurately reported and negatively affecting my credit history. The account in question is XXXX ( JPMCB - HOME LENDING ), and I am seeking this correction based on the existence of forbearance protections during the relevant period. The late payment was posted on XX/XX/2023. 

The forbearance agreement, effective XX/XX/2023, allowed me to temporarily suspend payments without incurring any late fees or penalties. As a result, the late payment entry on my credit report should not have been registered, as the account was under the protection of a forbearance program. Consequently, this negative mark on my credit report does not accurately reflect my payment history. 

I request that you please investigate this matter thoroughly and remove the erroneous late payment notation from my credit report. Ive attached documentation supporting my claim, including the forbearance letter provided by JP Morgan Chase. 

As a consumer, I understand the importance of maintaining accurate credit information, and I trust that you will prioritize fairness and accuracy in handling this request. A corrected credit report would greatly improve my financial standing and open up opportunities that have been impacted by this misreporting. 

Please respond in writing within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ) and inform me of the action taken to address this matter. If necessary, I am willing to provide any additional information or documentation to support my case. 

Thank you and I look forward to hearing back from you soon.
Consumer complaint received 2023-05-22
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. (NC)

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (NJ)

This is my follow up complaint of my credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in Equifax and XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MD)

XXXXXXXX XXXX dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX XXXX XXXX.
Consumer complaint received 2023-04-12
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (PA)

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 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TN)

We have a few store cards through MySynchrony consumer cards. We have Old navy and we have Rooms To Go. 

We recently started receiving notifications for Amazon Cardholder Services. We've never applied or used an Amazon card. I called MySynchrony and they told me that I need to contact Amazon and then Amazon told me to contact the bank. Both said they weren't responsible for telling me the issue even though Amazon hires MS for their store card. 

They simply said it's " an error '' but refused to explain further. How would MySynchrony send me Amazon card notifications for a card I don't own or use or never applied for? It seems that they may have leaked my data to Amazon. I think that MS doesn't have the appropriate security measures in place to protect my information from bleeding over to other companies they serve. I would like an investigation and reparations for wrongdoing. 
Thank you!
Consumer complaint received 2023-03-10
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. (TX)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-09
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. (TX)

As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.
Consumer complaint received 2022-11-09
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. (NC)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage was transferred to Nationstar in XXXX of 2015. My mortgage payment is due on the XXXX of every month. I am aware of a grace period that lasts until the XXXX of every month. I usually pay my mortgage on the XXXX or XXXX of each month online to prevent any late fees from being charged. When I made a payment to Nationstar on the XXXX of last month, I noticed that I was charged a XXXX transaction fee. 

I called Nationstar and was told that if they receive a payment after the XXXX of each month, they charge their customers a XXXX transaction fee. If payment is received before the XXXX, there is no additional fee. I believe this is wrong, I should not be charged any sort of fee for paying within the normal grace period. Nor should I be charged any sort of fee for paying my bill online, which is more cost effective than paying by mail or over the phone. Please look into this, I believe I am being ripped off.
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MD)

My car was purchased in XX/XX/XXXX at XXXX XXXX, they got me financing through Ally Financial, also purchased XXXX XXXX, my payments were outrageous with good credit XXXX a month for a used XXXX XXXX. Purchased insurance from XXXX and thought everything was fine, not to mention the XXXX XXXX. On XXXX XXXX my car was stolen and found in XXXX, Maryland Totaled, XXXX is telling me did not have coverage to pay for stolen when I called to make sure it was Full coverage for a Financed Car, the coverage that was renewed went from XXXX to over XXXX a month, I called them, they said I was covered, my mother who offered to help since the expense of having my used car was over XXXX dollars a month also called XXXX and they said everything was fine, she said I hope so for over XXXX a month, than she said I need to make sure it is faxed to Ally Financial, so she faxed it over. I deserve an explanation from both Financial and Insurance why it is my responsibility to pay for a stolen car and why all of a sudden I do not have the proper coverage, something is fraudulent and I am livid. Ally and XXXX should have communicated with me and each other, but all I heard was Crickets. So I need someone to explain how the insured was at fault for the torn-up vehicle when he was not driving and conclude that the insured was negligent. The liability should be sufficient in a stolen car situation because the insured was not the driver, and it was property crime was with uninsured motorist driver, apparently now in Maryland it is a Property crime.
Consumer complaint received 2022-11-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2015-07-06
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (LA)

I forgot that I had autopay set up and accidently made an extra payment and Nationstar Mortgage would not issue a refund without a bank statement or having a XXXX bank customer service representative on the other line. XXXX even stated this was unusual and they should have just issued the refund. This causes me to be short on money for groceries, and utility bills for a longer than necessary amount of time as well as causing XXXX
Consumer complaint received 2023-06-07
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. (TN)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 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 2023-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

R was between XXXX to XXXX. I have a line of credit with BOA. They charge me for high interest rates and fees. I feel I was charge more than I have to pay. No one in the branch at this time give me any documents help me to understand By the end I had to do refinance with other bank and close this account, but that cost me a lot
Consumer complaint received 2023-09-04
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX ....
Consumer complaint received 2017-09-20
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. (MI)

I have some disputes that I am trying to review and Equifax once again has pulled down their dispute website page : It is happening quite frequently. If they are unable to give us reports and correct info then they certainly should not be sharing our credit information with anyone else. You can not reach them by phone either. Right now Consumers have no control to keep their credit score in tack. Scary enough what they have done and now they are stopping us form submitting on line disputes, this service is always temporarily down for service? It 's not okay! 

Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute.
Consumer complaint received 2022-11-09
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 XXXX XXXX XXXX Account # 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 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
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

We purchased a car through Nissan Motor Acceptance Corporation on XXXX/XXXX/XXXX and scheduled our first payment to be due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, we enrolled in SignatureDIRECTPAY by printing the online form and submitting to XXXX via XXXX as instructed, for automatic monthly payment deductions. It states on the website " It is important that you continue to make payments on your account until you receive a notification letter with the start date of your payment deductions ''. XXXX processed the form on XXXX/XXXX/XXXX. We did not receive a confirmation letter via XXXX but it states on my XXXX account under the Payment Dashboard section " You have a SignatureDIRECTPAY of {$650.00} scheduled for XXXX/XXXX/XXXX ''. As of XXXX/XXXX/XXXX they had not deducted the payment from my account so contacted customer support and was told " XXXX is scheduled to start on XXXX/XXXX/XXXX, so you would need to make your XXXX payment manually '' and " XXXX is activated within 15 days of us receiving the automatic payment documents ''. The customer service rep said " Your state has a XXXX window of opportunity '' so an option for me was to wait and see if the payment posted. I have read many forums about how XXXX does this to their customers and how they will charge interest as well as report a late payment to credit companies, which will affect my XXXX XXXX. I setup XXXX to avoid the fee XXXX charges just to make a payment. I looked on my account to see what the fee would be and received a " Additional Payment Warning XXXX '' stating that I had a payment scheduled or in process and to refer to the Payment Dashboard. The customer service rep said his supervisor was not available today but would contact me in XXXX business days.