davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (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. 

Account name : XXXXXXXX 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 2023-03-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Inquiry ) 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 an account without my written instructions.
Consumer complaint received 2023-03-05
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. ()

Hi, I am a XXXX resident. I sent a check of worth {$1500.00} USD from my XXXX XXXX account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to my cousin who lives in XXXX XXXX California on 2023 XX/XX/XXXX. He is a new immigrant in XXXX and opened his account in Chase Bank, XXXX XXXX, California. He received my check via post and deposited the Check to Chase bank using his online banking app on 2023 XX/XX/XXXX. But he did not get money in his account and he visited Chase bank at XXXX XXXX and raised his concern on 2023 XX/XX/XXXX. They told him that we want to verify the check sender. My cousin provided them my phone number and then they said our online security system is not able to verify his XXXX phone number so we are not able to call him. 
He also called on their customer service number but they said the same thing that our system isn't able to verify his phone number. They only want to talk with me via their security system. Chase bank said check sender should contact his bank and his bank should request us to send his money bank into his account. I contacted my bank XXXX and they we have released the money {$1500.00} to Chase bank. They said why we should request them to send it back. It is a matter between Chase and his customer ( my cousin ). XXXX sent me a proof on payment released to the Chase bank. 
On 2023 XX/XX/XXXX, my cousin received a letter from Chase bank that your account will be closed to protect you against the fraud. And they closed his account after few days. 

I again requested XXXX to talk with Chase bank, XXXX rep contacted them on a conference call with me and my cousin to resolve the issue but Chase bank 's rep denied to talk and said we only talk with our customers. But when my cousin ( their customer ) call them they said we can't verify your cousin 's XXXX number and can't release the money. 

I just want my money back from the Chase bank that they did not release it to my cousin in XXXX XXXX. I send a message to Chase on their XXXX account and ask for my money everyday. But they don't provide me a satisfactory answer. It seems like a scam and they don't want to give my money back. My cousin is also trying on his end, but not getting any help. Please help us.
Consumer complaint received 2021-02-06
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. (IL)

There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX XXXX {$2300.00} XXXX and XXXX XXXX {$180.00} XXXX. The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-04-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

My complaint is with Citibank/Home Depot credit card services . I am currently making XXXX XXXX payments on a XXXX month promotional balance that is due to expire on XX/XX/year> in the amount of {$7800.00}. 

When you have a promotional ( deferred ) balance with Home Depot, you are allowed to allocate how payments are distributed to current, revolving and promotional purchases made. If your promotional balance is not paid before the expiration date, you will be charged interest. This is something that I continuedly tried to avoid and I tried being very cautious in staying within the term promotional balance agreement. However, in recent months, I've noticed that my past and current payments have not being properly allocated to my balances even though I selected the allocation option in my account. When I noticed that payments were not properly applied I immediately called Home Depot Credit Card Services to speak to a live agent regarding this situation. I explained to numerous customer services agents and allocation XXXX that I've been making regular payments towards all my past and current promotional balances so why am I still been charged hundreds of dollars in interest after making XXXX XXXX payments? Every single person failed to explain that all my payments were not being properly allocated on my past promotional balances and continued to ensure me that the problem was fixed. 


After countless calls week after week explaining this situation and trying to get a resolution, I would always get an apology ensuring that this option has been properly applied to my payments and balances and that everything is fixed on my account. However, I am still being charged interest on previous expired balances on top of what I currently owe. My last call was made on XX/XX/year> and I was told again that my payment allocation it is fixed and that there is nothing that can be done to correct the interest that I have been charged.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My account fully closed on XX/XX/XXXX, I had a balance of {$2400.00} in my account, I have recieved a check for {$570.00} but the remaining {$1800.00} check had remained unrecieved and Chase has not sent it over no matter how many times I have went to a branch to ask, it has been way longer than XXXX business days and it is still unrecieved as of XX/XX/XXXX
Consumer complaint received 2023-03-04
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. (OH)

In accordance with the credit reporting act XXXXXXXX XXXX XXXX XXXX Account Number 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 that consumer reporting agency can not furnish account without my written instructions. 15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-04
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. (MI)

XXXX XXXX Account XXXX Has reported an accuracy across all three reporting crediting agencies and I am asking to have my one late payment they reported removed immediately. XXXX has already cleared up the discrepancy and removed my account but it is still showing in accurate on Experian and XXXX.
Consumer complaint received 2023-03-04
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. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within XXXX business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX XXXX XXXX XXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Consumer complaint received 2023-03-31
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. (IL)

On XX/XX/ I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number 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 also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX Bank, Equifax, and XXXX continue to report XXXX XXXX Acct # XXXX XXXX XXXX account # - XXXX XXXX XXXXAcct # XXXX as DEROGATORY AND In COLLECTION/CHARGEOFF status when these accounts have been settled AND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. XXXX Bank continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report directly from Equifax and XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter. XXXX Bank has FRAUDENTLY marked my account as being late in XXXX of 2023 when the accounts have been paid off over 2 years ago. XXXX Bank, Equifax and XXXX have ruined my credit by inserting inaccurate information
Consumer complaint received 2023-03-04
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. (ME)

I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXX account Dated XXXX with the account number XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am outside the United States and I have problems with my account since it is blocked and I can not access my money in any way. I asked customer service for help and their only answer is that I must go to a financial center to update my data. I explained to them that at the moment I can't go to the United States since I'm traveling and also my money is stuck in my account. How do I buy a ticket to go if I don't have access to my account and they can't help me? I also have to pay my credit card and all my money is stuck in my account. No assistant has been able to help me with my case or given me other solutions. I understand that it is a security process but it is urgent to withdraw my money and I can provide all the information I need to unlock my account. I have all my account information but they just don't want to help me. I have called many times and none of them have been able to give me a solution, I also ask who else I could talk to who can help me and they don't tell me anything. I would like answers about my money and my account.
Consumer complaint received 2024-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from Kohls/Capone  and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.
Consumer complaint received 2023-03-31
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. (AZ)

I sent a letter multiple times to XXXX, XXXX and Equifax. However, it has been more than days and I have not received a response regarding my investigation. The status date on my credit report has not change, which means they are clearly not investigating the accounts. I discovered multiple billing errors under 15U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. Despite my initial request, I have not received any hard proof from the creditor that proves I did not pay and was marked late. Therefor, I am still adamant that these errors were purely billing errors. and I urge to rectify them promptly furthermore, I request that the following items be updated on my consumer report, as agreed. As a consumer, I have the right to have theses accounts updated immediately. in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state Under 15 U.S.C 1681 Civil liability.
Consumer complaint received 2023-02-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (AZ)

In 2016 my car was repossessed by Hyundai and sold for more than it was worth. They sent a check for the surplus amount. Months later Hyundai sent my account to collections for the amount of {$9100.00}. When they tried to collect the debt, they told me that it was for the repossession, storage and admin fees. However, when they report the debt, it was included in my original loan amount. Making it seem like I didnt pay {$9100.00} of my original car loan. I have asked Hyundai finance to send me the paperwork for the car sale and they have refused to do so. I have tried multiple times to remove this from my credit report and the bureaus will not remove it. This unfair collection has made it hard to do anything financially and they refuse to remove this debt from my credit report. They are continuously reporting the debt which is manipulating the date for it to fall of my credit report.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

Ally bank has locked my checking account account XXXX times from XXXX XXXX until XX/XX/2024. Their emails each XXXX times stated to contact the bank, which I did only to be told they could not help me nor transfer me to the Speciality Team that the team would contact me within XXXX business days. The Speciality Team did not contact me none of the XXXX business days. It took XXXX BUSINESS DAYS to unlock my account the first time. I am XXXX, retired, am paid the last day of each month only once a month and live on a fixed income. Meaning, on the XXXX of each month I have to pay rent, utilities, insurance, monthly bills, buy food, gas, prescriptions, etc. I had to wait XXXX days without my drugs, buy food, etc. XXXX times this has happened. I can not live like this and it is not fair to hold/restrict my money for XXXX days because they have security issues with their end of my account.
Consumer complaint received 2023-03-31
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. (IN)

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 ( original creditor : XXXX XXXX XXXX  ) ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX  ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

15 USC 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