davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (NY)

This is my 7th 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 an alleged fraud or extortion. 
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 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX My first Social Security check for {$970.00} was sent to a closed account at Chase bank, that I closed due to fraud activity on the checking account ending in XXXX. 
Chase bank kept the funds and never refunded me, due to a balance that was from the fraudulent activity. Social Security sent the funds to the wrong account. Chase bank refused to release the funds back to me, knowing I filed with them my account was closed due to this activity. 

On XX/XX/XXXX, Social Security, once again, sent the funds of {$1000.00} to Chase bank, in which they took {$220.00}, from my Social security, stating that, there was a past due balance on the account, and sent me a check for {$830.00}, without any reason for the deduction, and refuse to send me the funds. 

It is my understanding, that Social security is a Proctective payment from any creditors and debt collectors as long you receive them via direct deposit to your bank account. per SSR 79-4 Section 207, 452 ( b ) ,459 and 462 ( f ) ( 42 U.S.C 407,652 ( b ), Levy and Garnishment of Benefits. I never was sued or had a court order for payment of any balances owed to Chase bank. This action came from Chase bank collection department.

I am seeking {$1200.00} to be return to me immediately, and punitive damages of the same amount.
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Global Lending Services LLC (CO)

I was denied for the loan from XXXX XXXX and they opened a loan within global lending which i had no knowledge of until i had already started signing paperwork and also was pressured into buying a warranty that i never wanted and also had to put a down payment down which of my knowledge is illegal and violates my rights. also after giving all the paperwork i was harassed into giving them more paperwork and they now want the car back.
Consumer complaint received 2023-06-19
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: DISCOVER BANK (NV)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
Consumer complaint received 2023-09-09
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. (FL)

This is my numerous 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 an alleged fraud or extortion. 
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: 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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (IN)

XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from Western XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following accounts 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 


These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-09
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. (PA)

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 did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XX/XX/XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/XXXX -  complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KY)

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2023-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure 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.
Consumer complaint received 2023-08-07
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. (TX)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-06-22
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: RS Clark and Associates, Inc. (OK)

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Consumer complaint received 2023-09-09
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. (WI)

I have contacted Experian, XXXX and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.
Consumer complaint received 2018-04-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (TX)

Repeated phone calls to my personal phone number. Additionally, XXXX XXXX defaulted my loan when I had made a payment on the account. When I had requested that my loan be serviced due to errors made on the account, I was not communicated with they defaulted my loan.
Consumer complaint received 2023-09-09
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. (WI)

I have contacted XXXX, XXXX and Transunion multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

Citi bank is trying to collect on time barred debt and in order to get that done they filed in Federal court with false allegations about fraudulent charges when in fact the bank has never before brought up that argument and all charges were legit and even Citi has already sent me 1099c 's for this old debt they just trying to create a narrative to try to collect an old debt
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 ITEMS 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 ITEMS. 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 XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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)

Someone on XX/XX/23, try to open a account in my name to XXXX XXXX XXXX XXXX account number # XXXX. I file a report with Experian to have my credit freeze for fraud alert. And file a complaint with Federal Trade Commission ( Identity Theft. gov ). I also sent the company XXXX XXXX XXXX XXXX a copy of a hand written letter they requested along with a copy of my credit report with a copy of the FTC Identity Theft Report, Informing them that someone try fraudulent to try to applied for credit card in my name without my permission or authorization. I sent them a certified letter to them. This information have not been removed from my credit report today. I have done all I can do from my end. Can you please help?
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

Please see attached documents of communications- however I will summarize below : * I initiated a " 12 month deferred interest '' credit card with the XXXX furniture website ( XXXX ) in XXXX XXXX to open a card that is " managed '' by Comenity Bank as their credit provider. 
* I was approved for a " 12 month deferred interest '' credit card in XX/XX/XXXX, and proceeded to make my purchases, and have continually made my payments on time. 
* As the monthly " bill '' arrives electronically via email- I typically just pay my bill via cell phone * In XXXX XXXX I went into the website to actually " open '' my statement ( which takes a few additional steps to do from the email bill that arrives ) and realized they were charging me interest, in error. 
* I immediately contacted XXXX, who directed me to their credit card partner- XXXX XXXX XXXX In XXXX I called XXXX and opened a formal " dispute '' about the charges * XXXX  XXXX   XXXX with a letter in the mail informing me that as I had not notified them of THEIR ERROR within 60 days, the interest charges would not be reversed- nor would they make an adjustment for the life of the credit card balance to adjust my card to be " 12 month interest deferred '' * I contacted XXXX, and they verified that they properly reported the account to XXXX XXXX as a " 12 month deferred interest '' account, and the error was not on their end, however they agreed to provide me with an email stating that the account was, and should have been coded as a " 12 month interest deferred ''. 
* I provided this information to XXXX in XX/XX/XXXX via a formal writtem- certified mail 2nd complaint. While I have never received a formal written response from my 2nd complaint via mail ( although they tell me verbally otherwise ), a XXXX  representative has verified via telephone call for me that their original decision stands, and that the account will NOT be changed to my CONTRACTUALLY AGREED UPON TERMS to have a " 12 months interest deferred '' credit card- nor would they reverse any previous interest charges as " 60 days have passed since the initial error '' - regardless of upon who the responsibility for the error lies. 
* I contacted XXXX via email as a foollow-up and have not received a response * I feel this is clearly " deceptive '' practices on the part of XXXX, and in turn, XXXX as my provider. 
* I have provided all documentation for this case via upload
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I asked that my payment be no more than XXXX XXXX monthly ( which I was paying ) when All reality they put my payments at XXXX XXXX  monthly!!! like oh Nooooooo interest rate was XXXX XXXX
Consumer complaint received 2023-09-09
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. (NY)

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 ITEMS 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 ITEMS. 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 XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX