davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX, I Have no knowledge of this Account KICKOFF LENDING LLC I Have never Signed a Contract with XXXX XXXX XXXX, or her Company KICKOFF LENDING LLC ; I did not give any written instructions to furnish my account to XXXX XXXX XXXX ; or KICKOFF LENDING LLC ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & XXXX XXXX XXXXXXXX! 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. 

Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX of KICKOFF LENDING LLC ; to Immediately Delete this account KICKOFF LENDING LLC with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file KICKOFF LENDING LLC has damaged XXXX XXXX XXXX ; name, image, and likeness, reputation and damaged me physically and Emotionally since the report appeared ; For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX ;
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

Citibank blocked my checking account on XX/XX/XXXX without any notice before, and I suddenly lost my account and my money locked in the account. Citibank reply to me to wait 30-60 days to process and close it. On XX/XX/XXXX, I checked my account is closed but I didn't receive my refund check after 3 weeks. And during this period I called Citibank again and again, every time bank told me it is in process. I don't understand why still hold my money so long since the account was closed and I had waited long time. I told them I have to move out next month and hope them push the process quicker, but still no any response! They don't care about their customers situation which I am in urgent to my money. They don't respect customer because they block and close with no any previous call or notification to verify. I am very angry with their service and disappointing their attitudes. Keep delay and keep transfer my call.
Consumer complaint received 2022-05-20
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. (NV)

In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX account number 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.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2015-11-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank, which manages CareCredit card, has ran credit reports on me to open an account multiple times, multiple weeks. They have already issued me a card. XXXX reports were ran with XXXX, a week apart. This is going to effect my credit score and should not be allowed.
Consumer complaint received 2024-04-05
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. (NV)

I was in XXXX XXXX XXXX purchasing souvenirs to take home for family to the USA. Souvenirs were inexpensive items like 2 XXXX tshirts, 1 snow globe, 1 souvenir shot glass, 2 XXXX  coffee, 2 bag of teas. I was told by the merchant XXXX XXXX XXXX XXXX that the total was XXXX XXXX  which seemed fair. The merchant took my credit card to complete the charge, to my horror, I checked my chase credit card app and he instead charged me XXXXXXXX XXXX instead of XXXXXXXX XXXX! I told him that was not right, unfair and was a scam! I did not take the items even though the merchant insisted on me taking them. He promised to return my money but never did - although I already know that he never will as he operates a dishonest business of scamming tourists. I filed a dispute with chase and even called them, they said they will wait 15 days for merchant to send me my money back before they try to contact the merchant and seemed apathetic to my concerns during the phone call.
Consumer complaint received 2021-11-15
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. (PA)

I have been disputing errors on my credit report on accounts thats reporting inaccurate information on XXXX, equifax and XXXX for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX, XXXX, XXXX XXXX account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXXXXXX listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.
Consumer complaint received 2021-11-15
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2024, I received a fake check which I deposited before I realized it was a fraud. I emailed my bank personal but they havent responded nor took actions I described to stop the check from processing. I want to do anything because my account is on the verge of closing soon if I dont contact my bank.it was {$1900.00} on the fake check
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (IL)

XX/XX/2021 I purchased a new but damaged refrigerator and a gas stove from XXXX XXXX. I opted for the " 90 same as cash '' program with American First Finance. When the first 30 day payment came through I realized that there was a service agreement in the package that I was originally quoted as {$100.00} for a 5 year plan, is now charging me $ 74/month for the next 24 months. I called and said I did not want that plan. I was told that I had to go back to the store to have it removed. I went to the store to explain the situation and I was told that I had to call the company that supplies the warrantee because they do not. So I called the company and explained. I was told that the service agreement was removed and I would get a refund to pay American First Finance back the money. I waited in doubt. On XX/XX/2021 I still did not get a refund. I went back to the store and called American First Finance so that we could all be on conference. 
I was told the same information as before. I told them I wanted to pay the appliances off and I feel like I am being punished because they are reporting to my credit something that I do not have. I was told that they would give me an additional 30 days but that I still needed to make the monthly payment with the incorrect amount. I called the service agreement company and was told that they processed the refund wrong and that they would reprocess the refund. I called American First Finance to ask if I could please pay off the appliances and wait until I got the refund from the service agreement company. Again I was not allowed and I was told that someone from the special team would call to assist. Currently this is affecting my credit and my ability to purchase my home. I need help getting this resolved.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

all credit agencies, portfolio recovery and XXXX  XXXX ... continue to make demands on fraud account not mines, account outdated / charged off and expired to collect in state of TN 4yrs on open ended/ credit card,. both companies violated FCRA, FDCPA and FCBA
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. This ground for removal 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 an account without my written instructions.
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/2019 I called to check if Citizens One had received the check to cancel Gap Insurance on my car. The representative told me no. I continued to call everyday telling them I wanted to pay off my car but wanted everything in order before the process was done. XXXX XXXX had sent the check but the bank customer service could not find the check. On one of the days a representative in the finance department asked me if the check had my loan number and vin number on it. I checked with XXXX and XXXX assured me she had. I do not have names since I spoke with a different person in their finance department everyday. On one day in particular a man gave me a ticket number of XXXX and sent it to the back room to match the check with my information. On another day a female representative in the finance office put me on hold and got back on the phone with another answer of no. On another day one female in the finance department said if the back room couldnt find a customer for the check they would throw it away. I dealt with all the comments of not being able to find the check until the XXXX of XXXX. I called and asked XXXX if they could write me a check for the cancellation of the Gap Insurance and I would pay off the loan of my car and they did. I called Citizens or Citizens One as the name changed each time I called for the payoff. The department gave me the payoff of {$3200.00}. I decided to go to my bank, XXXX XXXX  and send a wire transfer because I had enough of a so called lost check. The banker, XXXX, helped me on XX/XX/2019 to send the wire transfer but had a question if the bank was Citizens or Citizens One and asked if I would give him permission to speak with them. I put my phone on speaker and my wire transfer was sent to Citizens Bank. The banker and I were on speaker when the payoff dropped  to {$3000.00}. I am worried this bank will not send my title to me because of everything I have been through. Their acct number is XXXX, aba number XXXX. My loan account number is XXXX. The last 4 of my ss is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, Texas XXXX. Their address is Citizens One, XXXX XXXX XXXX, XXXX, RI XXXX. They have another address of Citizens One, Consumer Loan Servicing, XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXX. I was never late on my car payment and always had insurance on it. I want to be sure I receive my title as the bank said they send titles to Texas electronically and I will need to go to the DMV in a week to pick it up. It was an unpleasant and unnecessary experience. I want my title and be done with this bank.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo denied my claim for fraud even after I requested for my account to have a stop payment! From the merchant and they are saying I did it! Wells Fargo need to be investigated the case was for XXXX it was for a merchant called XXXX they denied it for no apparent reason and now are saying I have to wait 120 days to get my funds back from the merchant Im assuming they are just tryna keep the money so they can fund there other illegal activity! I will be closing my account with Wells Fargo once I get my money back I already took all my money out!
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (TX)

I am writing this formal complaint against Harris and Harris , Ltd. who have been attempting to collect ( 2 ) medical debts from me which falls below the {$500.00} threshold.

The Fair Debt Collection Practices Act ( FDCPA ) specifically prohibits the harassment or abuse of consumers in the collection of debts. Section 808 ( 1 ) states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Yet, [ Name of the Debt Collection Company ] has been continually contacting me and exerting undue pressure for the collection of this minor medical debt.

Additionally, in violation of Section 807 ( 10 ), they have been making false threats about the consequences of non-payment of the debt, including credit score damage, wage garnishment, and even legal action. This misrepresentation is both unethical and illegal according to the FDCPA.

To add, the company has not abided by Section 809 ( a ) of the FDCPA, as I have not received a written notice containing information about the debt, my rights to dispute the debt, or any further action on their part.

In their collection practices, the agency has consistently overlooked the provisions of the FDCPA, which exist to protect consumers from unfair collection practices. I request the Consumer Financial Protection Bureau to investigate the actions of this debt collector and take necessary measures to rectify this situation. 

Reference : XXXX and XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (MD)

I disputed a charge-off on my credit report. I ask Exeter Finance LLC to send me proof of a contract with my signature as proof that I enter into a contract with them. I sent two letters requesting a proof, one on XX/XX/2021 and another on XX/XX/2021. I have not received anything with proof of my signature on it. The only thing that I received was a letter saying it was frivolous in XXXX. They never mark my credit report as disputed to today which is a voilation. The company did not respond to the first letter that I sent by certified mail that was signed for by someone in the company. I would like to have the charge-off removed if they do not provide me validation showing my signature that I have or ever had some contractual obligation to pay them.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC (CT)

I currently have 2 other lease accounts with BMW Financial, that are on automatic withdrawal for payments. Both current and up to date accounts, are up for auto lease returns and I fully intend to replace them with 2 brand new auto leases. I have been a loyal and upstanding customer for years. 
The above disputed account was a lease return that had a mileage balance. BMW gave me 365 days to pay this account in full, since this was during Covid. I humbly accepted the opportunity. In XX/XX/XXXX, I made a second last payment through my BMW financial services online portal, in the amount of {$490.00}. The last payment of {$500.00} was called in and was scheduled to be processed on XX/XX/XXXX.Why this could not be entered in auto pay is shocking. BMW did not process this payment request and I did not notice it was not processed since I have never had this problem. I assumed BMW would process the payment since it was scheduled. I have no Idea what went wrong when I followed all the necessary steps. I was given no notice via mail - email or courtesy call that it was going to collections. This has significantly affected my credit! It went down 125 points from having a 773, I now have a XXXX. PLEASE remove the delinquent credit report immediately, as I in good faith scheduled the payment with your representative on the phone but it was not processed for unknown reasons BUT I promptly made full payment when I noticed it on my credit report today. The account balance is XXXX.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian will not delete the 5 XXXX from my credit report, despite the letter provided by the US Department of Education stating that they should be deleted from my credit report. The 5 student loans were transferred from XXXX to XXXX XXXX XXXX where they were rehabilitated. Upon rehabilitation any negative reporting was supposed to have been deleted from my Experian credit report. Experian has not done this. The other 2 credit bureaus already deleted this from my credit report. The 5 student loans consolidated and paid in full through XXXX XXXX XXXX XXXX. Experian needs to delete these 5 XXXX student loans from my credit report. They were not even showing on Experian until about 2 weeks ago when they randomly popped up.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Hi, today I just found that both of my checking and saving account of Bank of America have been closed. When I try to contact them to ask about the reason, they said there is no need to tell me the reason. They will not pursue any chances to do business with me. Since this is the only debit card that I have, It really brings the inconvenience to me. I need the reason why it closed.
Consumer complaint received 2022-12-17
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. (NY)

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX # XXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.