davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : Bank XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Consumer complaint received 2019-11-25
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: ID Analytics, Inc. (MO)

Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to XXXX XXXX  an online bank that went to Sagestream Credit e located in XXXX XXXX CA. Sagestream stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with fair credit reporting act convergent accounts bellow 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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NC)

In XX/XX/2023, I paid off this loan in full. By XXXX, my credit report was still showing the full balance owed in XXXX. I submitted a complaint and the the balance was removed during investigation. 

Despite the account being paid in full, and having a {$0.00} balance, {$2900.00} was added to my credit report on XX/XX/XXXX, which dropped my XXXX XXXX XXXX points. This fake balance due was reported after the account has had a {$0.00} balance for over 3 months. 

Upgrade will intentionally and maliciously drive down a user 's credit score in order to force them to use their line of credit - which they doubled the APR on for new loans *after* I agreed to the terms of the line of credit. The new APR is currently 10 % higher than credit cards, making the personal line of credit completely useless for me, and making the impact to my credit report even worse.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received an unauthorized apple hard inquiry on my credit report XXXX XXXX. I called XXXX and they told me I would have to call transunion, I called like 5-6 times yesterday and today and literally no representative wanted to help. I just want the dispute removed because its hurting my credit score and I wasnt the one who gave my accounts that hard inquiry
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a formal complaint against Chase Bank and XXXX XXXX XXXX regarding the misuse of my credit report, which violates federal laws and my consumer rights. 

I want to emphasize that I have already opted out previously from having my information reported, yet Chase Bank and XXXX XXXX XXXX disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. 

Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, Chase Bank and XXXX XXXX XXXX did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. 

Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, Chase Bank and XXXX XXXX XXXX have infringed upon my privacy rights. 

Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations.

Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. 

I demand that Chase Bank and XXXX XXXX XXXX immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account ledger, forward flow agreement, XXXX XXXX, and chain of title. Failure to provide these documents would indicate that they can not prove that anything is owed at all. 

Moreover, I want to highlight that Chase Bank and XXXX XXXX XXXX have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. 

Neither Chase Bank XXXX XXXX XXXX XXXX has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). 

Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Consumer complaint received 2023-04-19
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. (NY)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX ME XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXXXXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX, ME XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-27
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. (OH)

Hi, i tried and did contact recently the finance company ( XXXX XXXX ) regarding late payments reported over XXXX years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of seven months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXXXXXX XXXXXXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted capital XXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Consumer complaint received 2022-05-27
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. (OH)

Hi, i tried and did contact recently the finance company ( XXXX XXXXXXXX ) regarding late payments reported over XXXX years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of XXXX months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXX XXXXXXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted XXXX  XXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Consumer complaint received 2022-05-27
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)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (WA)

I have made a purchase online at XX/XX/2023 for two units of items that total value is {$1200.00}. However, I only received one item in the package so start a dispute with Chase, but they end up refused my dispute. 

There several issues Im facing with in this case : 1. Chase didnt provide a portal for amount mismatch in their dispute page, the only option is to call them. 
2. After I call Chase, state my issue, I asked if they need evidence from my side as I record a video before I open the package. They said its not required. 
3. When I got the result, my dispute was put as merchandise not received, which apparently is not what I told them. And they never collect the information from my side even though I told them I have the evidence I didnt got correct number of items in the package.
Consumer complaint received 2023-02-12
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: NAVY FEDERAL CREDIT UNION (MO)

I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and i noticed that NAVY FEDERAL CREDIT UNION are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH NAVY FEDERAL CREDIT UNION. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! NAVY FEDERAL CREDIT UNION HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with NAVY FEDERAL CREDIT UNION to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (FL)

Purchased XXXX end of XXXX  2023. XXXX indicated a finance packet would arrive shortly. 
By middle of XXXX, I contacted them and they said TD Autofinance now had the loan. 
They never contacted me. I contacted them on XXXX or XXXX times. My first payment was due XX/XX/XXXX with XXXX  day grace period. So I wouldnt be late I paid to overnight payment which they accepted XX/XX/XXXX. They still charged a {$42.00} late fee. I paid USPS to overnight payment. They failed miserably to invoice me. The first they contacted me was end of XXXX. I dont owe a late fee.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NY)

I received a letter from a company called Dynamic Recovery Solution stating that I owed {$480.00} for a balance on a XXXX XXXX credit card ending in XXXX. I have two XXXX XXXX credit cards neither end in that number and both have zero balances. I went to XXXX XXXX and they have no record of it other than my two credit cards ending in different numbers. I have never received a past due notice nor has anything ever been on any of my three credit reports. I have had the same address for about ten years and same phone number and I have never heard anything from XXXX XXXX XXXX. I tried to contact Dynamic and not only were they rude but they informed me that they would obtain a judgement and I would have to pay more and that it would be better if I just paid the debt. XXXX  XXXX advised me to not do that and to file a formal complaint.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX  All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Consumer complaint received 2023-04-19
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. (MD)

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received letter shipped by standard mail, dated XX/XX/2019. Letter is from XXXX, XXXX and XXXX, XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to Capital One, N.A. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The last time I can account for having my Bank of America Card ( BOA ), in my possession was for a purchase at XXXX XXXX, the date on the BOA statement shows XX/XX/XXXX. Please note, I never maintain large amounts of money or transactions in this account. On XX/XX/XXXX, I used my XXXX to make a mobile deposit of {$84.00} ( escrow refund ), I did not need my ATM card for this transaction, so at this point, I had no ideas it was missing. On XX/XX/XXXX, I went to my online banking to verify my balance before making a purchase, and my password was not recognized, I called customer service and learned of strange activity on my account which was four checks in my name, and my name fraudulently signed. I have no relationship or knowledge of the company on the checks. Based on the information from BOA these deposits were made at BOA branches all on XX/XX/XXXX. The person who made these deposits was then able to go to different ATMs and make withdrawals in the amount of {$300.00}, {$40.00} and XXXX. I do not know how the person responsible for this fraudulent activity was able to access the ATM. These are the check amounts : {$690.00}, XXXX, XXXX and {$990.00}, upon learning of this activity on XX/XX/XXXX( Sunday ), I was told by customer service to file a Fraud complaint with BOA on Monday XX/XX/XXXX, which I did. BOA has the capable to view branch photos and ATM photos of this activity but they have refused to do so as part of their investigation. I also made a timely police report. BOA of is holding me responsible for the ATM withdrawals and fees for this activity that I did not do.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting act 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 RIGHTS 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 2022-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (NY)

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an open-end credit plan was denied my right of credit by American Express Company doing business as American Express XXXX I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by American Express Company doing business as American Express on XX/XX/2021 via EMAIL. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by American Express Company doing business as American Express adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express Company doing business as American Express is now civilly liable to pay me for the damages.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (GA)

AVANT LLC Account XXXX 15usc 6801 Protection of Non- Public Information AVANT has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy AVANT did not clearly and conspicuously provide the disclosure forms.