davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-18
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. (FL)

Dispute letter recently sent XXXX XXXX was deleted off my transunion account twice this year and has reappeared twice on my account. 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C. 168i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material they have failed to send me notification no later than 5 business days, they failed to do that twice.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

PLEASE UPDATE PHONE NUMBER XXXX XXXX XXXX. 
On XX/XX/2024, there were fraudulent deposits made into my account by a guy committing fraud, per the bank. The bank had me come in XX/XX/2024 to have me file claims on the XXXX fraudulent deposits. Then the bank gave me replacement account and said all should be good so I will be able to pay bills, etc. 

Friday, XX/XX/2024, I called the bank to ensure it was okay to deposit my XXXX paychecks from working into my replacement account. The fraud department said that is fine for I can deposit and take money over counter. 

I go the bank on XXXX XXXX and XXXX XXXX to deposit the XXXX checks mentioned above and get {$40.00} but I ask the teller if account in good standing. She says yes, depsoit funds and gives me {$40.00} cash. 

Yet, on XX/XX/2024, I go the bank to get cash for lunch and gas but, told I can not access my money because it is on hold. I asked why? They said because XXXX of the fraudulent deposits were transferred into my replacement account. Therefore, I won't regain access to my money for another 3 days on the XXXX. I asked if there was anything she could do and she makes a call but on hold forever and because I was at lunch, I had to leave. 

I call the bank last night and get assistance on how could this happen? The gal explains to me that the bank did transfer those funds and that my money will be available the XXXX but the replacement account will be closed. I advised her that I have been without access to my money for almost XXXX weeks. I then asked her if the bills I paid on the new replacement account were getting paid and she advises me that all my payments will be returned! Naturally, I appreciate her assistance but, was upset because as I said what the purpose in the replacement account? 

Secondly, how can I take money Friday but not Monday? This all makes no sense but no one should be without their money for XXXX weeks when fraud was committed against me. The best part is I found out last night the guy probably use someone else 's account to commit the fraud in mine!!! 

Now today, my creditors are stating that since the payment returned I would have to pay double for car insurance because the policy cancelled so have to pay that and then restart new policy and pay more money. This is not right for the consumer should NOT be penalized. 

Please assist.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (CA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. ACCOUNT NAME : NCA- {$300.00}. 
Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted NCA and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act. I would like it removed from my consumer report.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing XXXX XXXX  score from increasing. The four companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Portfolio Recovery Associates  XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (FL)

I sent out a notice of rescission, truth of affidavit and cease and desist to the company Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and neither have replied. Bridgecrest has since stopped the phone calls which was explained in the cease and desist which gives indication that they have received my letters however they never responded. I have documented proof of delivery of these documents to both companies. I entered a contract with these companies on XX/XX/XXXX and have since noticed many violations of my consumer rights. I listed those rights in the mailing and explained how they violated them and by law what they must do. I have asked for my down payment of {$2000.00} and all monies paid towards the vehicle.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the XXXX I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, XXXX XXXX  charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.
Consumer complaint received 2022-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NJ)

I took out a line of credit from Upgrade in the amount of XXXX dollars, due every XXXX of the month. On XX/XX/2022, Upgrade claimed to have not been able to withdraw the monthly amount of XXXX dollars, referred my name to a credit collection agency while Upgrade continues to withdraw funds out of my checking account at the same time. Just this XX/XX/2022, Upgrade made a withdraw in that same amount. I had to ( finally ) call my bank to stop payments on any transaction coming from Upgrade.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2023-02-21
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 XXXX XXXX XXXX XXXX XXXX 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 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

There is incorrect credit card showing up on my account with name XXXX which is opened in XXXX of 2014 and had some balance of {$330.00} was never paid off. I have never applied for this card and me or someone related to me has never received any benefits related to those credit card charges. I have requested company to proceed quickly and close this case so that my home mortguage can be approved. 

XXXX has already removed it but other XXXX companies are not removing these charges. I have also filed the police report for this fraudulent credit card with the case number XXXX. And I have already disputed this with these companies companies and their early response will be greatly appreciated. I have attached report from one of the bureau to show this issue.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ATTN : American Express XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC/ CFPB Dear Sir/Madam, I am writing to express my deep concern regarding the recent actions taken by American Express concerning my credit card account. As a consumer, I believe that my rights under the federal Equal Credit Opportunity Act have been violated.After my credit card application was approved and I had already made purchases totaling {$6900.00}, I was surprised to find that my account was frozen and that I was being asked to provide income verification. While I understand the importance of financial responsibility and transparency, I believe that freezing my account after approval and requiring me to disclose sensitive financial information such as my bank account balance goes against the principles outlined in the Equal Credit Opportunity Act.I am offended by the implication that my ability to manage credit is contingent upon disclosing personal financial details beyond what is necessary for the application process. Requiring me to call my bank and verify my account 's ending balance is not only an invasion of privacy but also a violation of my federally protected consumer rights.I kindly request that American Express rectify this situation promptly. Failure to do so may compel me to escalate this matter to the Consumer Financial Protection Bureau and the Securities and Exchange Commission. I trust that American Express will take the necessary steps to resolve this issue and uphold its commitment to fair and equitable treatment of all its customers.Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Lastly I would like to advise that I have sent a notarized copy of this letter to the above address as I am also requesting a response to this notice in writing. 



AS OF TODAY XX/XX/24 MY ACCOUNT HAS BEEN CANCELED DUE TO THE RETALIATION OF ME FAILING TO DISCLOSE MY ENDING AND BEGINNING ACCOUNT BALANCE I AM AWARE OF THIS BEING A COMPLETE VIOLATION OF MY PRIVACY RIGHTS AND THE EQUAL CREDIT OPPORTUNITY ACT
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

I have disputed several times with multiple Credit Reporting Agencies the claims of this company. I have requested proof of validation containing my original signed contract, thereby verify ownership. As of today, XX/XX/2022 I have not received such documents, however said company persist on reporting falsely on my credit report, detrimentally damaging my identity and credit worthiness.
Consumer complaint received 2022-12-18
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Our mortgage is serviced by Fay Servicing. We mailed a cashier 's check drawn on XXXX XXXX XXXXXXXX XXXX  # XXXX dated XX/XX/XXXX for {$1500.00} to them, which we do every month. We got a message from them on XX/XX/XXXX, stating that our XX/XX/XXXX payment had not been received. I called XXXXXXXX XXXX and verified that the cashier 's check was paid on XX/XX/XXXX. I received a copy of the check and it was endorsed XXXX deposited into Fay Servicing , LLC account # XXXX. I called Fay Servicing at XXXX on XX/XX/XXXX. I talked to a rep, XXXX, for almost XXXX minutes, who wouldn't listen to me. All he wanted to know was when was I going to make the XX/XX/XXXX payment. I told him more than once during that call that the cashier 's check had cleared on XX/XX/XXXX!! I advised him that this was not the first time that Fay Servicing had messed up on our payment processing. He then wanted to know what address the payment was sent to. I told him the address on the bottom part of the account statement that was received in the mail. I told him that I always mail in a cashier 's check for our mortgage payment. He then put me on hold for several minutes and came back and told me that he had located the payment and would escalate my concern. I was also asked to participate in a customer service survey after the call. I was transferred to the survey and gave XXXX a rating of 3 the lowest rating. I was asked if I wanted a return call back from a supervisor/manager. I replied yes but that call never came. I checked on the payment posting again on XX/XX/XXXX XXXX the automated system advised me the XXXX payment hasn't been received. I called Fay Servicing again on XX/XX/XXXX and asked for a manager. I was then transferred to " XXXX '' who would not listen to my concerns either. I was on the phone with her for almost XXXX minutes!! She kept interrupting and said to send a copy our full bank statement in. I told her I would not, as the payment was made via a cashier 's check. At that time, I demanded to talk to someone higher than her. Guess what..she transferred me off to who knows where and a recording came on stating the mailbox was full and then the call was automatically disconnected. So now, I have been on the phone with Fay Servicing a total of XXXX minutes trying to get them to listen to me!! I have been checking several times, including today, Monday, XX/XX/XXXX XXXX it still hasn't been applied. Also, we are concerned about our late fees and the credit reporting due to Fay Servicing 's negligence. The last time something like this happened was in XXXX of XXXX. There was another time before that as well, but I can't remember when at this time.
Consumer complaint received 2022-05-30
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. (CA)

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  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 2022-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MO)

On XX/XX/2022 I sent CALVARY PORT a certified letter asking them to Cease and Desist reporting this disputed alleged debt of {$620.00} to XXXX XXXX XXXX until they sent me all the information they had on file so that I, the consumer, a natural person, could attempt to validate this alleged debt per my legal rights and protections. CALVARY PORT ignored my request for information ( violation ), and continued reporting this derogatory and false information to the CRA 's.
Consumer complaint received 2022-06-19
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX Dpt EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (CA)

Avant LLC failed to report accurate information to the 3 major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. Avant LLC offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting Avant LLC to remove all derogatory marks from my credit report