davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (NM)

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice.

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Consumer complaint received 2023-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (SC)

To whom it XXXX concern, I recently received my credit report from Experian, XXXX, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law. 
- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report. 

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n. 

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights. 

Best Regards,
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXXXXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (IA)

I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX saying they had put a block on my XXXX  XXXX Account. I do not have this credit card and have never applied for it. The letter asked me to verify my identity by sending them a copy of my driver 's license, identity card, passport, military ID card, or permanent resident card. It asked me to mail a copy of the document to them at the address above or fax it to XXXX. It said if you have questions, call XXXX. I just ignored this letter since I didn't think this company was legitimate and making contact with them would give them more information about me that I didn't want to give them and I wasn't going to send them my personal information. It also says the XXXX  XXXX account is issued by XXXX XXXX XXXX Member FDIC and serviced by Genesis FS Card Services , Inc . 
Today in the mail I received a bill from Genesis FS Card Services for the amount of {$76.00} for my account. It says {$75.00} of this amount is for " Annual Fee '' and {$1.00} is for " Credit Protection Fees '' for a total of {$76.00}. 
I have never authorized or received this credit card.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from all 3 of my credit reports as soon as possible. 

XXXX XXXX XXXX XXXX OPENED:XXXX {$500.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$870.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$820.00} ( XXXX  XXXX ) XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$1200.00} ( XXXX XXXX ) XXXX XXXX XXXX ACCT XXXX XXXX OPENED : XX/XX/2022 {$1000.00} ( XXXX XXXX XXXX )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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

According to law 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 credit note or a late payment is considered a transaction ''. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.
Consumer complaint received 2023-09-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Financial Corporation (CA)

Extremely high interest and extra balances being added on all the time, fees were out of control, car was later repossessed and I was fine with that. They continued past the time the car was taken to continuously call. I could not afford the car anymore at that time. Horrible finance company, didn't verify my husband and I income at the time.
Consumer complaint received 2017-03-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America failure to reverse illegal deductions from account that had money removed by unauthorized person. Use of my ATM Bank of America card was skimmed by a criminal and they stole money from my XXXX account. Bank of America indicated I would need to wait 10 days for reversal of funds, or longer. This is an account for people on state XXXX, Bank of America will reverse for their own B OF A customer but not for a XXXX / XXXX account that was implemented by State of CA. These are accounts that are provided thru the banking institution of Bank of America and the recipient has no choice in the institution that pays them. Bof A bank should treat ALL accounts in the same FDIC protected manner. Someone on XXXX had no choice in the manner of getting payments in this form while out with illness, that is regulated by the State.
Consumer complaint received 2022-12-09
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. (FL)

I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on people finder, etc images are attached. Identity report are also attached. The accounts that are fraudulent are XXXX XXXX account XXXX date open 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
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

On XX/XX/XXXX I sent a letter to Chrysler Capital stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.
Consumer complaint received 2023-06-15
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/23, I filed a CFPB complaint against Chase bank because they would not release the funds from my closed checking account. The ID for my initial CFPB complaint is XXXX. Subsequent to my initial CFPB complaint ( via numerous phone calls to Chase 's fraud department and trips to my local Chase bank ) and in my initial CFPB complaint, I explained many times to Chase bank that the money in my account was rightfully mine based on the evidence I had however in the end, Chase bank would not accept any other remedy other than requiring me to obtain an affidavit from an attorney. Because this was non-negotiable, I had to spend approximately {$1900.00} + {$190.00} ( initial consultation ) to get the affidavit. Afterwards, Chase bank did ultimately release my funds which proved the funds were rightfully mine the entire time and as such exonerated me from any perception of wrongdoing. I did not give the attorney any information that was different from what was available to Chase therefore Chase placed an unneeded and unnecessarily burden on me for no legitimate reason. As such, I am demanding Chase bank reimburse me for the total amount of {$2100.00} for lawyer fees that I had to pay out of my pocket. I am offering Chase the opportunity to settle this matter before I pursue further litigation.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

This is my 2nd XXXX 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX : {$2800.00} XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX {$9200.00} Original creditor : XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. 

According to law 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 credit note or a late payment is considered a transaction ''.

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave State Employees Credit Union WRITTEN INSTRUCTION to report information to the credit bureaus.
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmerAssist A/R Solutions, Inc. (CA)

This debt is from a dental office ( XXXX XXXX ) Where I visited multiple times to fix a problem by procedure, with 3 visits they still did not fix the problem, I let them know I am paying for a procedure that is not fixing the issue. They did not notify me they would place this on my credit.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO. (OH)

A restaurant who uses JP Morgan Chase as their bank issued a refund to me using Chase Payments. Chase Payments is a mobile and web-based tool that provides companies the ability to pay their customers using an email address. Chase Payments allows customers to accept payments electronically from any company that uses Chase Payments. The restaurant, nor JP Morgan Chase tell you up front that you are opening an online Chase wallet when you register with Chase Payments to electronically receive the payment from Chase Payments into your own bank account. Once you register and create the account, it's too late. There is no way to close the account. I read the Privacy Notice, Terms of Service, and called their customer support line for Chase Payments multiple times. There is no information to the consumer on their right to close this online wallet or how. When you call their customer support they say they have no idea. So, I now have an online wallet with Chase that I do not want and can not close. Had I known this was an online wallet I would never have registered to receive the payment. Consumers should know up front that they are creating a wallet when they register for payments through this service. There should be an option under the profile area of this wallet that allows a customer to delete the account. I want this wallet deleted immediately.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Card Service & XXXX  XXXX are reporting a negative balance on my credit but this debt was included in my DISCHARGED Chapter XXXX Bankruptcy - XXXX docket. 
By law they are not to continue to damage credit and attempt collection of debt after a discharged bankruptcy.
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC (HI)

This was opened XX/XX/2017. I didn't not get this loan in person or online. Two individuals that are XXXX distributors were going door to door selling vacuums in our neighborhood which is government housing. ( We were not aware until after purchase that they are not allowed to be doing so ) They called this company where we have the loan, Preferred Credit. Me and my husband do not feel as if we should pay them anymore due to the distributors going about this illegally. If they refused to close account and take off of our credit report we will have to get my husband 's command involved and JAG ( military legal team ) We attempted to go in person and return item but the address given took us to an abandoned building. They're are several complaints in our neighborhood about preferred credit and these distributors as they are basically teaming up and getting over on military spouses