davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (NH)

I requested multiple balance transfers to the card. After carefully reading their terms and conditions payments are supposed to be applied to the oldest balance when there are more than one balance with the same interest rate. This is NOT being done by the credit card company. I contacted them on XX/XX/XXXX  to alert them to the payments not being applied correctly. They are not willing to follow their own terms.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY XXXX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX REPORT
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm a natural person, 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. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Consumer complaint received 2020-01-13
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)

I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Wanted to close a XXXX XXXX account ( because of $ 25 Monthly service fee ) and open a normal ( free ) savings account under the same JP Morgan Chase account. Savings account had $ XXXX which they instructed must be disbursed as check to me instead of just putting it in the account. This was on XX/XX/2019. The check never arrived and now I have to do a " stop check '' and the estimate for the funds, which are no small amount, will not be available for 3-4 weeks.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC (FL)

I received several phone calls from XXXX XXXX at XXXX XXXX  stating This is what was left in the message : " Hello this message is intended for XXXX XXXX care if this is you please press one now old for message my name is XXXX XXXX calling with XXXX XXXX the reason for my call today is to verify the address we have on file as we are preparing documentation to file in the case we have now made several attempts to reach you via mail and also two phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you in court we need to speak with you immediately today at XXXX again the phone number is XXXX or you can press one now thank you and good luck ... ''.. 

This is clearly a fraud threatening call
Consumer complaint received 2020-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

My name is XXXX XXXX I was told by XXXX XXXX XXXX  that Sallie Mae had a law suit against them for lying and not giving information out the lenders. I was told by Sallie Mae to do deferments instead of a ( IBR ) Income base repayment plan. I only found out about the IBR program 7 years ago and I am now XXXX XXXX XXXX and a XXXX Veteran. I had to find out about IBR on my own with NO help from any of my student loan companies, and I have had my loans since XXXX  to present. I was told by a nice guy at XXXX XXXX XXXX XXXX  that Sallie Mae LIED about a lot of things. I am looking to get student loan forgiveness, Since I have only been on the IBR programs for 7 years and I you need 20 to 25 years to get forgiveness. I will be dead by that time comes around. So I am looking for help to file against Sallie Mae. 
Sincerely XXXX XXXX XXXX XXXX Veteran
Consumer complaint received 2023-05-15
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. (LA)

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 2020-01-13
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: SYNCHRONY FINANCIAL (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Burns Auto Credit, LLC (SC)

Uniform Commercial Code/UCC governs all business transactions, so Burns Auto Credit LLC legally must have UCC lien filed with secretary of state against my name. Without seeing that there is no UCC lien in my name, its proof the the debt has been paid off at time I put signature on the certificate of indebtedness at the dealership. I do not owe them anything, don't know why the continue to report transaction to consumer reporting agencies, There is no transaction listed with Secretary of State and i have attached copy to prove such. The contract must be LAWFUL & FAIR but it was not. Because that why the lien was never file with secretary of state. There was never any debt in the beginning - because the debt was already paid off.

Burns Auto Credit LLC issuing legal threats of repossession. Failing to understand, that for any debt collector to legally collect a debt. It must be XXXX legal components. a promissory or agreement and perfected lien under UCC filed on federal & state level with secretary of state. Burns Auto Credit had XXXX  days to file lien, just as long for them and Department Motor Vehicle/DMV to commit unlawful act and misleading me. And, as of XX/XX/2023. I went to secretary of state and did and ucc search. And there was no UCC lien filing against me or collateral in question at my address & i received a certified copy indicating there was no lien. In good faith on the same day XX/XX/2023, I file my own lien/finance statement ucc 11 against myself and the collateral. Which show Burns Auto Credit LLC has no security interest against myself or said collateral, just having the lien against the title at DMV is NOT a perfected line according to : 9-310. WHEN FILING REQUIRED TO PERFECT SECURITY INTEREST ( a ) ( a ) [ General rule : perfection by filing. ] Except as otherwise provided in subsection ( b ) and Section 9-312 ( b ), a financing statement must be filed to perfect all security interests and agricultural liens.

2nd ) installment contract has already been paid off in FULL at time I sign the application/installment contract and turn it into certificate of indebtedness. And according to certificate of indebtedness Section 2 c Security Interest - its states that section This secures payment of all you owe on this contract also secures your other agreements in this contract. So, I cant still owe any monies to Burns Auto Credit LLC after i gave them certificate of indebtedness with my signature, 3 ) i send notification to IRS with 1099A Acquisition or Abandonment of Secured Property. And it was accepted by IRS on XX/XX/XXXX and its has been forwarded to Burns Auto Credit LLC.

4 ) I cross out and initial Section 3 ( d ) of the installment contract. Which I remove their right to take or repossession from me. Plus, they already been paid in FULL per the certificate of indebtedness that i've sign with them and 1099A form
Consumer complaint received 2022-02-21
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (CA)

I am receiving promotional and account-related information via email for another person 's account. I was assured via several phone calls and a previous CFPB complaint that my email address was removed from the account, but I continue to receive emails. The emails contain information about the account and account holder, such as the account holder 's name, credit limit, current balance, and partial card number.
Consumer complaint received 2023-09-03
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. (CA)

Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation. 
I have requested that XXXX, XXXX and Equifax reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of XXXX I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to XXXX  or any means of automated verification.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Equifax has exposed my personal information in a data breach. They have been reckless and abusive with consumer data and it's unacceptable. If they do not resolve this issue below, I will file a small claims suit in my state for a much larger amount. These debt collectors and consumer reporting agencies can not continue to get away with putting consumers lives and consumer reports in danger. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. They need to settle for {$3000.00} immediately. I have attached the document that confirms I was violated and my information was exposed.
Consumer complaint received 2023-05-24
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. (NC)

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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

While in the process of purchasing a house, I reviewed my credit report and discovered a significant number of negative items listed. This is in direct violation of the 15 USC 1681 law, which clearly states that such damages should not appear on credit reports. The presence of these items on my report constitutes a clear case of defamation of character, which must be addressed. It is imperative that all information presented in this matter is accurate and relevant to the case at hand.
Consumer complaint received 2020-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FMS Inc. (IA)

A representative called and told me I have a XXXX balance outstanding ... I told them I sent them a dispute letter ... he told me it doesn't matter because I didn't pay it. Told me I would go to jail if I didn't pay ... I told him it's federal law to provide me with a validation letter ( which they have not ). He told me good luck in court ... I said I don't have any income and I owe more on my house than it's worth ... but I dispute the debt
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/, my Chase Bank account was hacked and they made several small transactions. We quickly realized this problem and before we could call Chase, received a text message that appeared legitimate from Chase asking us if we made these transactions. Just a week before, we received a legitimate text message from Chase and confirmed the legitimate transaction and had every reason to believe this text was legitimate. Very unfortunately, this representative turned out to be a scammer and then did a fraudulent wire transfer in the amount of {$8200.00}. Our total loss is over {$8300.00}. I immediately called Chase to report the fraudulent transactions and they said they would try and stop the wire transfer. They failed to accomplish this. In fact, Chase FAILED TO SHUT DOWN ANY OF OUR ACCOUNTS DESPITE OUR IMMEDIATE ADVISEMENT OF FRAUDULENT ACTIVITY. MY HUSBAND XXXX HAD TO TELL THEM TO SHUT THE ACCOUNT DOWN! By then we only had {$330.00} left in our account as it was nearly completely wiped out. For 3 days, we tried to contact Chase corporate to find out when our account would be made whole and were repeatedly advised it was under investigation. Truth is, Chase conducted NO investigation, tried to blame my wife for authorizing a wire transfer. which couldnt be further from the truth, refused to accept any documentation we tried to give them, and made a horrible, incorrect and devastating decision to not return the money hacked and stolen from our account. We both even went to Chase bank branches seeking some sort of relief from this nightmare and were advised sorry, theres nothing we can do. Our XXXX XXXX account was hacked twice and each time, we were promptly reimbursed, not blamed for something we absolutely didnt authorize as Chase has done. 

In closing, this is an absolute nightmare, Chase isnt honoring fraud protection and we now cant pay our mortgage and bills! Weve exhausted every avenue to have Chase do the right thing and they outright refuse and can care less! 

PLEASE HELP US! 
XXXX XXXX