davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This account does not belong to me. It needs to be removed from my credit immediately. The company is refusing to delete items from my credit report after I contacted them 40+ times with no response! Please have them removed this false account from my XXXX, XXXX and XXXX.
Consumer complaint received 2023-03-08
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: Atlanticus Services Corporation (CA)

XX/XX/XXXX account # XXXX # XXXX has two different company reporting late payment one in the amount that is XXXX one in the amount of XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have recently applied for credit and was denied based on the information provided by Experian and XXXX to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX Dispute Request XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-03-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRST UNITED BANK AND TRUST COMPANY (OK)

We sold our house to a buyer that assumed our VA loan. The initial offer on the house was signed XX/XX/XXXX, the home did not close until XX/XX/XXXX. During this prolonged time we were forced to purchase additional homeowner 's insurance as we were not occupying the home and our homeowner 's policy expired XXXX XX/XX/XXXX. Additionally we were paying the mortgage on our new home and utilities for both properties. We were told that assumptions take a bit longer especially with the VA however 90 days seems onerous. Additionally, the mortgage was still listed in our name until XX/XX/XXXX. During that time I received several letters indicating that additional homeowner 's insurance was needed as we had cancelled ours XX/XX/XXXX after the home closed. It appears as though First United purchased homeowner 's insurance on our behalf during that time- even though we no longer owned the home. Once the insurance situation was finally resolved, First United withdrew approx {$2200.00} from our checking account on XX/XX/XXXX ( mortgage payment for XXXX ) for the same property. Again it is noted that the home was sold on XX/XX/XXXX. It was difficulty to rectify this situation as the mortgage with our current home is through the same lender. I have been able to verify that the payment that was withdrawn ( and unauthorized by us ) has been reversed. Today I received a call from First United Bank asking for a woman with the name of the purchaser of our home- it appears they are calling to discuss the fact that the payment for XXXX was reversed ( as it was taken from the incorrect account ). First United has failed multiple times to update the information in their database once the home was closed until I reached out. It is frustrating having to deal with a new issue every few days. I have spent a considerable amount of time calling and emailing various persons at the bank to get ALL the information updated. I am anticipating a problem at tax time as well due to the inability to update mortgage information in a timely manner. I understand that the assumption process is new, however I feel that it should not be offered as an option unless the institution is able to execute the process fully. We have suffered financial loss, loss of time, and loss of peace of mind in dealing with this situation.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX along with Experian, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

I am writing to file a complaint against Chase Bank for their failure to remove unauthorized charges on my credit card account. My account number ending is XXXX. 

On XXXX, I noticed some unauthorized transactions on my credit card statement. I immediately contacted Chase Bank 's customer service to report the issue and requested that the unauthorized charges be removed. However, the customer service representative informed me that the charges were valid and that they would not remove them. 

I have never authorized any of these charges, and I have no knowledge of the transactions. I explained this to the customer service representative and requested that the charges be removed, but they refused to do so. 

I have been a loyal customer of Chase Bank for many years, and I am extremely disappointed with the way my complaint has been handled. I have always paid my bills on time and have never been in default. I believe that it is the responsibility of the bank to protect its customers from unauthorized charges and fraud. 

I am requesting that the Consumer Financial Protection Bureau take action against Chase Bank for their failure to remove the unauthorized charges from my account. I also request that the bank compensate me for the fraudulent charges that were not removed from my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Regenerate response
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I traded in my truck for a new one and the dealership sent a check on XXXX XXXX 2023 to pay off my old truck credit acceptance marked my account as late on XX/XX/XXXX wich made my score drop significantly and I lost a mortgage over it I have proof the received the check from the dealership they refuse to fix the issue
Consumer complaint received 2023-03-08
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. (PA)

To Whom It XXXX Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Account Name Account Number XXXX XXXXXXXX XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation out come to be sent to my address I put on the from area. Thank you for your time and help in this matter
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am reporting an FCRA violation on my credit account with JMPCB ( See attachments for account ). 


JPMCB CARD XXXX The company is in violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my XXXX credit report is evidence of that claim. Please see attachments for screenshots of reporting account.
Consumer complaint received 2023-03-08
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: Fig Tech Inc. (TX)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

About 2 months ago Bank of America XXXX XXXX XXXX bank account with about XXXX XXXX They closed my account and stated that they have sent a cashiers check via ups. After about. A week or two no check was received so I called Bank of America. They gave me a tracking number and I called XXXX numerous times finally I got through to someone and they said I had to file a claim for a lost package so I did. When I called to follow up after a few days I was told that I couldnt inquire about this package and only the sender witch would be Bank of America so I did. Bank of America representative said that the previous representatives that I spoke to were incorrect and escalated the situation. The supervisor or manager informed me that not to worry they will place a stop check order and would reissue a new check now its been roughly a month and a half if not more still no check. So I called back today this representative told me they cant do nothing I would have to still wait 120days and that they apologize that I was misinformed but theres nothing they can do. I have to wait 120 days and then they will resend it. My biggest fear is what If the check gets lost again do I have to wait an additional 120 days. I will loose my business by then. I already experienced great hardship over this and am at risk Id loosing my livelihood because I cant get access to my money. I need help and dont know who to turn to for help. They back is refusing to help me they say I must wait. Is this 120day hold legal what can I do about this
Consumer complaint received 2023-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc. (WV)

Today, XX/XX/XXXX at XXXX XXXX I received and email, stating that I owe {$760.00}. They gave me a number to contact and I have got no response. I do not know what to do.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

XXXX of 2022 my car was repossessed. I paid XXXX to have the car returned. In XXXX I called to see the amount due and they told me an amount of approximately XXXX through XXXX XXXX, after the XXXX XXXX. 

My complaint is when the amount was requested in XXXX it did not include additional fees. When I spoke to the representative he said they have a new " pay hierarchy '' system. This would include fees paid first then other amounts would be applied to principle and interest. So instead of XXXX counting for 2 payments and a repossession fee. It counted for additional fees from months prior to XXXX. This would make my account behind more days than normal making me at risk for repossession, This was never communicated to me nor did I receive any notice of this new payment system. 

KIA MOTOR FINANCE
Consumer complaint received 2023-02-17
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 complaint is my follow-up to my previous endeavor to tell you that there are erroneous accounts within my Credit report file. The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once. 

Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (TX)

This complaint is against company " Hyundai Capital America Dba Hyundai Motor Finance, Kia Finance America And XXXX XXXX XXXX XXXX XXXX XXXX In Utah ) '' who reported numerous systemic errors to consumer reporting companies and failed to help when asked to investigate this matter. 
These are the ways i asked for help to investigate issue but no response/resolution was given to me. 
1. Called finance customer service atleast 30-40 times. 
2. Sent a US Postal letter to company explaning the issue ( Attached ) 3. Spoke to local dealership about this issue. 

1. 1st of all, Customer service clearly mentioned that " communication was being sent to wrong address '' yet they reported balances. As it was at the peak of COVID ( XXXX XXXX ), not knowing what to do, i waited for official communication which was being sent to wrong address as their system had misinformation. I keep checking my account but no information is given. 

2. In multiple customer service calls, they mentioned to me that " we don't know howmuch balance is and that i need to wait ''. I kept calling but they never communicated to me about balance. 

3. after few months, i was told " balance is XXXX  amount '' and i immediately paid off and clearly asked " if there is any left ''. they said NO. 

4. After few months, got a collection notice that " there is still balance ''. I called finance customer service again and informed about " not getting any communication '' and surprised to know from customer service that " they still have wrong address on my file ''. I paid off balance again and askd to send " PAID IN FULL '' letter as a backup. 

5. Even to get " PAID IN FULL '' letter, i had to call multiple times and in the end, after 3-4 weeks, finally got the " PAID IN FULL '' letter ( attached ). This happened in XXXX XXXX this overall process, costed me so much of mental pressure in addition to that Global crisis COVID tensions and my credit score drastically down around XXXX points. 

6. Now, after 2 years, i again got a letter from collection agenecy that there is still {$75.00} balance due. Again, i didn't get any communication from KIA but direct from collection agency. my credit score already down XXXX points yesterday.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been receiving letters from Bank of America that someone is opening bank accounts using my name and address but not my social security number. The first letter that I received was to verify my information ; I called their fraud department but they said that they could not help me over the phone, I drove an hour and an half to a Maryland office, and they said that that account will closed for not verification. But it looks like they tried again successfully and now Bank of America is harassing me because whoever opens the account cashed a fraudulent check.
Consumer complaint received 2023-02-17
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. (TN)

These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX Experian XXXX XXXXXXXX XXXX Credit Cards XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XXXXXX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX