davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So I paid off my Bank of America credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said Bank of America says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking  account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I have two credit cards with Chase, XXXX and my Amazon Chase credit card XXXX. 

I changed my mailing address for XXXX card but am not able to apply the change of mailing address to my XXXX card through the web site. 

Chase 's online messaging through their web site doesn't work. 

I emailed them but have not heard back. 

However, I did receive an email from Chase " We posted a new notice or letter to your Chase Mobile app at chase.com/statements. Here 's what it's about You'll see an update or a request to take action. '' Yet I did not see anything in 'notices and letters ' : " You don't have any notices or letters. '' Questions : ( 1 )  Why did Chase send me the email? What document does it refer to? 
( 2 ) Please change my mailing address for amazon credit card XXXX to the same PO Box mailing address as my XXXX credit card.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC (CT)

I was a victim of a XXXX  as a XXXX veteran. Identity theft was done against me as a result of this with mortgage accounts opened with the following XXXX mortgage companies below XXXX. Amerihome Mortgage Company. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NY)

I was not aware I could dispute the National Credit Systems collection from a debt that has zero validity. 

I began paying the collection little by little because I did not want a derogatory mark on my credit, however I stopped because I began questioning why I was paying it. 

I can not remember exact amounts, but they said I owed around {$1200.00} to XXXX XXXX which is my previous apartment. ( Current amount {$1000.00} " owed '' ) My last month 's rent should have been covered because I paid my first and last month rent in the beginning of my contract in XXXX. We moved out in XXXX during COVID.
Consumer complaint received 2020-04-14
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 am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MD)

As of XX/XX/2023 the Consumer Finance Protection Bureau along with the XXXX major credit companies including agreed to no longer show medical debt under {$500.00}. It is now XX/XX/XXXX and this debt still shows on my credit report. The account I am disputing is a medical bill under {$500.00}
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I've called Experian Credit Bureau starting on XX/XX/XXXX till today XX/XX/XXXX no person available only recordings ... no help then or now. Went to website and still- no help and had a form to mail so sent form overnight and they received it on Friday morning still no response as of today XX/XX/XXXX. Trying to purchase a vehicle and need them to unfreeze my account. Please help. 
Thank you,
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-14
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. 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. 
Convergent Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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.

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.
Consumer complaint received 2023-01-06
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. (MI)

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
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. (GA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15

U.S.C 1681 section 602 A . States I the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : I
t also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

The credit bureau is reporting a balance of {$390.00} owed with XXXX XXXX XXXX  and I have a XXXX balance.I made a payment with my debit card on XX/XX/20 for {$98.00} that has already posted to my credit card account. I also made another payment with my debit card on XX/XX/20 for {$300.00}, which brought my account to a XXXX  balance.
Consumer complaint received 2024-03-21
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Larry H. Miller Group of Companies (WA)

I purchased my car through a dealership and financed it with prestige financial. 
I had my car stolen and opened a claim with my insurance company. 
I also opened a gap insurance claim. 
I thought everything was processed until I looked at my credit report. I tried calling prestige financial and instead of helping me figure things out they were rude about me owing a balance. Which should have been paid by my XXXX XXXX. 
I received a lawsuit from them and they still won't answer any of my questions, I have been asking for a year. I am almost sure my gap claim was with the finance companies XXXX XXXX as I financed it in my loan. But I can not get any answers. Now I have a lawsuit and my credit is wrecked.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A. 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 a account without my written instructions.

15USC 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 USC 1681 s-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 2020-06-14
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX L 2. XXXX- XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX  branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I tried to dispute through XXXX and get it removed because of its inaccuracy .This company is claiming I owe {$11000.00} I have original bill states I owe XXXX $ statement date XX/XX/20 I feel like this company is taking advantage will be seeking out to a attorney if this is not resolved the proper way
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

A car loan application was filled out using my identity on XX/XX/2023. The application was not from me but it had my name and information, I believe someone filled it out so a credit check would made on me to mess with Mt XXXX XXXX. The application with through capital one report was made through XXXX consumer relations and XXXX risk solutions inquiry department and capital one auto financing which was made on XX/XX/2023.
Consumer complaint received 2020-04-14
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. (GA)

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone number and name corrected on my report as this is a violation of my consumer protection right.