davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

Vystar has started updating their systems-supposed to take a very short time to complete... however it has now been several days! Starting XX/XX/XXXX. 
No access to MY money unless I drive to Vystar everyday which I am unable to do at this time unless Vystar wishes to compensate me for gas.I went to Vystar XX/XX/XXXX and was only given a printout through XX/XX/XXXX. My card along with my sons debit card, has been declined when there is supposed to be money in our accounts. I attempted to buy a XXXX at the hospital when my grandchild was sick and my card was declined for $ XXXX-how RIDICULOUS! Luckily I had my wife 's XXXX debit card and was able to buy something.They keep saying on social media that our money is safe and accurate-how do we know if we can't look at it??? Do we just accept their word for it?? When I have been able to use my Vystar debit card, it has been blindly-I have no idea of my balance. I have upcoming bills to pay and I need to be able to 1 ) go back and check to make sure my acct is correct since XX/XX/XXXX 2 ) I need to be able to see my balance, my deposits and deductions. We are no longer in the 70 's or 80 's when our parents used a check book register to keep up with our money-If I had known this would turn out like like this I could have gotten a print out of everything BEFORE they started their updates on XX/XX/XXXX so my life wouldn't be so difficult now. In this time, almost everyone does online banking so what happens when we are basically restricted from our money?? I know Vystar thinks it's no big deal, just drive to your closest branch every day or your closest ATM. But why? Why??? I have been with Vystar for a long time but it looks like I will have to look at other banking options just to pay bills!! And that means, I have to not only change my direct deposits for my wife ; s employment but for income taxes also. Why is it okay for Vystar to be this incompetent but we have all the stress and burden?? Also, Vystar tells everyone to use XXXX XXXX, well guess what? XXXX XXXX doesn't work either. Myself, & children have tried. Check out Vystars posts on XXXX and you will see other people who have the same issues and complaints.Please check out interview with Vystar executive XXXX XXXX who also sits on the board for XXXX who is the company that was hired to do this hot mess of a update for Vystar, Thank you.
Consumer complaint received 2024-05-29
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. (TX)

I made an international transaction using my Chase Sapphire XXXX credit card on XXXX  for an apartment in XXXX from XX/XX/XXXX to the XXXX. Upon arriving at the property, the landlord was not present and expected us to set the entire apartment up with him on a video conference call. The night of the XXXX, we discovered there was NO hot water, NO heating, and No access to half of the appliances in the kitchen as they were inoperable. The next morning we contact XXXX  and described the situation and asked for relocation or a refund due to the issue and were denied both. Over the next couple of days, we contacted XXXX countless times and they pleaded with the landlord to come fix the hot water issue and the final day, the landlord begrudgingly agreed and told us upon arriving we were not his slaves. We contacted JP Morgan Chase Bank about the situation and filed a partial dispute {$350.00} because the services provided were not as described. Chase took 21 days to investigate the dispute, calling me countless times for additional information and telling me on XX/XX/XXXX they would call me back on XX/XX/XXXX to resolve the dispute. Today, XX/XX/XXXX, I called them because they never called me and they denied the claim in entirety saying that when I checked into the apartment I voided all dispute rights even though they clearly have policies around disputing services that are not as described. I pushed back firmly clearly articulating my reasoning and they finally offered me a courtesy credit of {$100.00} most likely to keep me as a customer. I reviewed the dispute outcome letter provided by Chase and XXXX and XXXX provided fraudulent and inaccurate information stating the the landlord showed us how to use the hot water, which he did not and also provided a customer call timeline with a note underneath saying that the call log represented that we ( the guest ) had agreed that everything had been resolved. This was NOT the case. The call log represented the countless times we called XXXX to try and get them to resolve or compensate us for the horrible experience we had. Neither Chase nor XXXX acted ethically and it is absolutely unacceptable that XXXX falsified information to Chase to ensure the dispute outcome would be in their favor. This is not only illegal but is unacceptable business practice in the United States and if escalated can impose serious consequences and penalties. I expect Chase to make this dispute right and honor their dispute policies and procedures fairly and accurately.
Consumer complaint received 2021-12-19
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. (FL)

Experian reports settled account the same as a late payment! This should be illegal and a violation of the FCRA. Upon reviewing my report through XXXX. I noticed my XXXX score from Experian was XXXX points less than the other bureaus. When I looked at the details, it shows the difference was that experian is reporting I had a recent late payment on my XXXX account thats less than 2 months old - I called Experian customer service and they confirmed the same information - that information is incorrect. I settled the lease end balance on my XXXX back in XX/XX/2021, that does not mean I was LATE! 

A recent late payment will have a huge negative impact to someones credit. Why is it ok for Experian to report a settled status the same as a late payment? This should be looked into and addressed immediately.
Consumer complaint received 2024-05-28
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. (FL)

Chase Bank Acct # XXXX XXXX XXXX XXXX I'm writing because I noticed that Chase Bank reported late payments and utilization information on my consumer reports. I am demanding that these experiences/ transactions be removed from my XXXX XXXX XXXX XXXX and XXXX consumer reports. 

According to the FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) - Definitions ; rules of construction.

Section 2 - Exclusions states : Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report cont
aining information solely as to transactions or experiences between the consumer ( me ) and the person ( Chase Bank ) making the report.

Congress clearly states the reports of transactions and experiences are not included in the consumer report. Therefore, XXXX XXXX  has violated 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) by reporting these transactions/experiences on my consumer report. 

XXXX, XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I applied for credit and was denied, when I checked my credit report I found 4 unauthorized accounts reporting on my report - US DEPT ED, - US DEPT ED, - XXXX XXXX XXXX, - XXXX XXXX XXXX. I'm not getting any help from any of these corporation for the information requested, also for the deletion of these account because they do not belong to me. 

Enclosed is a copy of the police report
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I logged into my capital one mobile app because I currently have my car loan and credit card with them and noticed that a checking account was opened ending in XXXX on XXXX. 

I called Capital One and immediately told them I didn't open that account and to close it. The rep stated that he would get it closed since it was fraudulently opened. This was XXXX of this week. I'm currently logged into my mobile app and the account is still open. 

This makes me think Capital One is doing the same thing that XXXX XXXX did. Open accounts in the customer 's name without their permission. I want to know who opened this account and I want to press charges. I didn't authorize Capital One to open an account in my name.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Acct # XXXX XXXX XXXX XXXX USAA Acct # XXXX XXXX XXXX I'm writing because I noticed USAA reported late payments and utilization information on my consumer reports. I am requesting that these experiences/ transactions be removed from my XXXX XXXX XXXX and XXXX consumer reports. 

According to the FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) - Definitions ; rules of construction.

Section 2 - Exclusions states : Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( USAA ) making the report.

Congress clearly states the reports of transactions and experiences are not included in the consumer report. Therefore, USAA has violated 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) by reporting these transactions/experiences on my consumer report.

As I stated before, I am requesting USAA update my utilization to 5 % or below or delete all utilizations and late payments from the below account. 

Thank you for your time, XXXX XXXX
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Navient Solutions, LLC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX Us Dept. Educatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please help me I have been so humiliated by XXXX XXXX XXXXXXXX hey have XXXX  dollars of mine and refuse to give it to me i opened acct XX/XX/XXXX they closed it XX/XX/XXXX and I've gone every day per request of the risk management saying it was ok to get my money and 4 locations hsve told Me no and the new XXXX location sat me in room whee eveyone could sew forb2 hours questioning me where I got my money from which was the texas rent relief program and even though check cleared the bank manager said she could hold Mt money for 7 years but why I've proven my identity I've been nice and the check is good it cleared its from the government pleade let me have my money theyvsaid no you can wait for 6 weeks will mail it to you what ikk be XXXX  by then please help snd by the way this happen 2 locations the questions andxtresting me trash or criminal while customers watched and whispering I'm so humiliated
Consumer complaint received 2021-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, XXXX, TransUnion, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the information.
Consumer complaint received 2021-12-19
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. (IL)

Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX  and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Upon checking on my Experian credit report, XXXX XXXX XXXX is reporting me as having a late payment for XX/XX/2021, which as per the supporting documentation included with this complaint, I was not late and XXXX XXXX XXXX agreed to remove the error from all credit reporting agencies. Also, they are showing that I owe a balance, which I do not. And finally that the account is currently open, which again, it is not open. I called XXXX XXXXXXXX XXXX  customer service and they confirmed that the account is closed, I have a {$0.00} balance, and that the XX/XX/2021 payment was not late. However, the Agent could not assist me with correcting the error with the reporting agency.
Consumer complaint received 2021-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.
Consumer complaint received 2021-12-19
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. (IL)

MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois XXXX
Consumer complaint received 2021-12-19
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. (IL)

MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX  XXXX Illinois XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc. (AL)

I purchased a vehicle from this company and it was in a car accident and was totaled out. The company put the remaining balance on my credit report without speaking with me first to resolve this debt. The company then gave me another vehicle in which I paid out completely I have reached out numerous times to the credit bureaus to dispute this debt. I have reached out to the original creditor to try and get information about the company that the debt was handed over to but no one seems to know the information. I have tried several times to contact all numbers listed on my credit report for the creditor of the vehicle but the number is disconnected. It seems that the creditor is no longer in business but this is still on my report and there is no way to resolve this debt on my end because the company no longer operates.
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : XXXX