davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

car was total, i purchase gap ins, and ext warranty. My ins co pay me to get a replacement car, gap ins and warranty were in the loan. Bank is a holder in due cause.     I want all add interest and late charges credit, refund on ext warranty, and gap ins to pay off the loan.     none of this been done as of date.     I did what the bank informed me to do, when to the dealer, cancel ext warranty, gap insurance does n't want to paid off the loan, because my ins co gave me more than the value for the car, but that is because i paid for replacement value, none of thier  XXXX  business what i was paid on loss.
Consumer complaint received 2017-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MA)

There Is a debt Owed of {$170.00} to Collection Agency, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX on My Credit report. No Idea what {$170.00} Is for?
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( Equifax, XXXX, XXXX ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( Equifax, XXXX, XXXX ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All 3 CRA 's ( XXXX, Equifax, XXXX are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.
Consumer complaint received 2023-03-16
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. (NY)

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be deleted : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-18
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. (FL)

XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. 

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication.
Consumer complaint received 2023-05-18
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. (FL)

15 U.S. Code $ 1681c-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 from an alleged identity theft, not 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 IMMEDIATELY!

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 subsection ( 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 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 accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-23
Product: Credit reporting 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)

This account was charged off on the following date XXXX XXXX XXXX but its stating that the last payment was XX/XX/XXXX but on my report its showing this account was charged off from XX/XX/XXXX to XX/XX/XXXX. This account is also reporting XXXX different balances. The report is stating that the original balance was {$20000.00} and its also stating that XXXX was written off as a charge off but XXXX is passed due. This account account has been repeatedly updated as charged off every month from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and its reporting a balance when it should be XXXX since its reported as a XXXX off account and that is very illegal. A charge off account should NOT include an active payment history. Also this account is reporting a balance to XXXX and TRANSUNION which is illegal and inaccurate as well. This account is also stating and reporting that it was FIRST REPORTED XX/XX/XXXX but its no record of that reported on any of the accounts. The account was reported and In good standing from XX/XX/XXXX - XX/XX/XXXX and to mention again stated the last payment was made this year XX/XX/XXXX which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY : Account Name : XXXX 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 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : $ {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.
Consumer complaint received 2023-05-18
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. (SC)

In accordance with the fair credit reporting act 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 2023-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (MI)

I am writing to file a complaint against XXXX XXXX XXXX and Wakefield and Associates. They have unethically and inaccurately sent a medical bill to a collections agency while the bill is under appeal review with XXXX XXXX XXXX, despite being advised verbally and in writing that the bill was under appeal in XX/XX/2023 and again in XX/XX/2023. This bill from XXXX XXXX XXXX clearly violates The No Surprises Act, which prohibits providers from charging patients out-of-network rates for emergency care. Wakefield and Associates provided misleading and inaccurate information in their letter by directing me to respond to a website that does not exist. In addition, there is no portal on their website where this debt collection can be disputed. These deceitful practices by Wakefield and Associates violate the Fair Debt Collection Practices Act.
Consumer complaint received 2017-05-03
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: Experian Information Solutions Inc. (NV)

Experian has continuously failed to provide me with the method in which they are verifying and reporting inaccurate information on my credit report. I have submitted written requests over the past 6 months (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  ) inquiring about their methods of investigation, re-investigation, verification, and reportability. However, Experian continues to avoid providing me with the information requested and permitted by the FCRA.     I currently have an open complaint still showing (  XXXX  ), but have received notice from Experian that the alleged information is verified and it will not be re-investigated. I require clarity on the initial status of this complaint as there is now a discrepancy.
Consumer complaint received 2018-03-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

Loan officer XXXX XXXX of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX ) and acting as Mortage Broker for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) performing Escrow loans on my property without my knowledge or consent with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ) using myas well as my wife 's identity/property fraudulently in XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX and his wife XXXX XXXX XXXX obtained 2 wire transfers into a fraudulent WAMU account using my wife 's identity to withdraw the funds in XX/XX/XXXX ( Wire transfer for {$27000.00} ) & XX/XX/XXXX ( Wire Transfer for {$34000.00} ) using a fraudulent account set up in XXXX, Nevada. From this account, The XXXX 's paid our Mortgage & Utilities to qualify for other loans & multi state modifications on our property. A line of credit was also obtained using my wife 's identity by XXXX XXXX XXXX for {$430000.00} with Chase bank.I also received IRS bill ( s ) for the sale of my home but was able to prove that I still resided at my residence prior to obtaining proof of fraud. 

The wire transfer receipt shows funds from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) and XXXX XXXX XXXX. The Notary was XXXX XXXX who's name was associated with 4 Fraudulent Deeds including 1 from Nevada. In statements obtained by  XXXX Police Department Det. XXXX XXXX ( Case # XXXX ), XXXX XXXX did not turn in her Notary book to the State of California nor could she identitfy me or my wife in a photo line up! She also stated that these documents were forged and her Notary stamp as well as book were taken by XXXX XXXX who was her co-worker prior to moving to XXXX XXXX, Nevada to open XXXX XXXX XXXX.It is illegal for a California Notary to perform acts on Nevada tansactions/documents! We did not receive any proceeds from these fraudulent transactions and contacted the Nevada Division of Insurance ( Case # XXXX XXXX ) to look further into this matter to discover WAMU had closed the above listed branch. As of today 's date XX/XX/XXXX, no litigation has commenced in this matter.
Consumer complaint received 2017-11-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (CA)

I opened a CD account w/ GS Bank/Goldman Sachs on XXXX XXXX. 2017 on the telephone ... since ... .today, 17 days later, I have not recieved any confirmation at all about this account. No e-mail, no hard copy, nothing! In addition, I have called GS bank 3x first asking when will the " trial transfer '' happen, they said ... '' we do n't tell you '' ... .I 'm asking " how am I suppose to know??? to confirm back to you? '' ( every other financial instituation sends e-mail trial transfer amounts to comfirm BACK to them! ... .then tonight I got " grilled '' /security abuse for asking why, when, where has my CD been funded! they asked more than 5 security questions ( I thought the LEGAL was 3 ) and they/customer service wo n't tell me their name, ID, reference, nothing! who are these people? are they " bonded '' ... this is OUT of CONTROLL! security abuse!, no info. on my ( JUMBO ) CD ... .this is a TERRIBLE ... BAD BANK ... .. BEWARE of GOLDMAN SACHS - GS Bank
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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. (PA)

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. 


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 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had deposited an insurance settlement check from XXXX XXXX XXXX XXXX into my Bank of America checking account for the amount of XXXX $ on the XXXX of XX/XX/2023 due to inability of the teller to cash the check. The issuers cheque was from Bank of America as well. Which is supposed to be credited into my account within XXXX business days. But the bank placed the check on hold until XXXX XXXX And deemed the check to be a counterfeit without verification with the insurance agency. They closed down my account under risk closure. They asked me to contact their client protection department regarding the funds. They sent me an account closure letter with no information on the reason for the closure. I called the client protection team constantly for upto XXXX weeks provided the information of the insurance treasury department as well. They re opened my account realizing their error. And validated the funds. But even after consistently calling them everyday for a month, they are not willing to credit my account with the funds. Everytime I contact them they give me a time frame of XXXX business days. But the funds were not credited. My mechanic storAge cost of my vehicle has already gone up to XXXX $ due to the banks mistake which I have to pay out of my pocket.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

The hippa form said that I allow them to discuss my medical record with whomever i add on the form, I did not add bull city financial. I asked for verification of a medical debt and they sent me the procedures of what was done along with the dates, amounts, etc. They were only suppose to have the dates and the amount owed. So when i called them they claimed they have a partnership with  XXXX   XXXX  thats the reason they have access to my files. The bills were suppose to be filed with  XXXX  and   XXXX   XXXX   within   XXXX   pays. someone dropped the ball and did not file the bills with the agencies which has caused me to be affective by a negative credit history.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

For the last two months I have been trying to access my life savings which is with Citi Bank. The refuse to help me and tell me my account is inactive and to send in a notarized form to request my account be re-activated. I sent a certified letter tracking # XXXX via USPS. I confirmed with Citibank that they received the request and my account was active. I attempted several times to initiate a transaction via ATM debit and online transfer. When I call the customer service line I receive conflicting information from every agent I speak to. At this point I want to close my account and want my money back. Citi is holding {$280000.00} of my life savings hostage and won't provide a digital means of reinstating my account. Citi does not have any branches locally in XXXX or XXXX Texas. When I call the toll free line they send me to an offshore call center and the customer service is way below standard of a bank of this size. Please help me I'm desperate to get my money back.