davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I took a personal check to my complex to pay rent, and I went to my bank later that day to deposit money into my bank & it has the available balance on the account & my complex did n't cash the check till  XXXX  that night. The night of  XXXX   XXXX . My check bounced, and I never got notified of this problem until my complex had told me it had bounced, now I have to pay an extra {$200.00} of late fee 's now I ca n't pay my other bills. I tried talking to my complex & they said they ca n't wave the fee to try and get the bank to pay for the late fee 's since it was on them. I tried calling them & they said there is nothing they could possibly do. All they could say was that they were sorry, I 'm just really frustrated because now I 'm  XXXX  $ short on my other bills. This is regarding chase bank.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have two loans of two properties with bank of America, I had 18 months COVID XXXX forbearance for both of the loans, between XXXX, XXXX - XXXX, XXXX, which ended end of XXXX, XXXX, I have made XXXX regular payments since then. 
The bank didn't apply the payments and forced me to pay all the payments during the 18 months of forbearance period. Right now they sent me letters said I am in default and they will sell my properties. 
Two loans with them, and the addresses associated with the loan. 
account number XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX account number XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (MO)

I have had a Target card since 2015 and has never missed a payment with Target. I also have many other cards on my credit report with a 100 % payment history. Target XXXX recently reduced my credit limit from XXXX to XXXX, when I called to inquire, the response was it was the credit bureau decision. Most recent Target XXXX decreased my credit limit again this time to {$900.00} which was a huge impact on my credit report impacting my credit utilization ratio. Target XXXX is not able to provide me with a reason why they are constantly decreasing my credit limits even though I have no missed payments. I work for XXXX as a XXXX making well over XXXX yearly and I dont understand why my credit limit is being decreased as well as no one can explain why.
Consumer complaint received 2023-07-18
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. (VA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-19
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

Hello, I am reaching out because I have previously contacted the collection company CBHV to stop contact and remove the collection they placed on my credit report. They have not removed the collection from my XXXX or XXXX after the case was last closed in XXXX with ref : # XXXX. They never provided me any proof of this " so called debt '' with a copy of the written agreement that created my original requirement to pay or anything else for that matter. It has been 6 months since I requested they stop contact and remove the collection from reporting on my credit with the XXXX bureaus. Yet still, as of XX/XX/XXXX, they have been reporting this false information. I need the information removed immediately no later than 30 days since it affects my livelihood and overall credit score.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Michigan Docket # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-26
Product: Credit reporting 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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-21
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: TD BANK US HOLDING COMPANY (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the reporting of late payments associated with my account. It has come to my attention that you have been reporting these late payments to the credit bureaus, which is in direct violation of the provisions outlined in the United States Code ( 15 USC 6802 ). I am writing to demand that you promptly update the status of my account to " paid as agreed '' with the credit bureaus within four ( 4 ) business days from the receipt of this letter. Failure to comply with this demand will result in legal action, and I will seek charges of {$1000.00} per violation.

Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the explicit consent of the individual. By reporting the late payments to the credit bureaus, you have breached this legal requirement, as I have not authorized the disclosure of such information. I kindly request that you cease any further disclosure of my non-public personal information and comply with the provisions of 15 USC 6802 ( b ) moving forward.

Additionally, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which strictly prohibits the disclosure of experiences or transactions to non-affiliated third parties, such as the credit bureaus, without the individual 's consent. Given that the late payments are part of the account 's transaction history, their reporting to the credit bureaus violates the FCRA. I expect you to rectify this situation by updating the account status as demanded above. Company policy doesn't not supersede federal law. 

I urge you to take immediate action to correct this matter and ensure compliance with both 15 USC 6802 and the FCRA. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights and seek damages for the violations incurred.

Please provide written confirmation of the actions taken to rectify this situation, including the date on which the account status was updated with the credit bureaus. You may send this confirmation via email or to the address provided above.

I appreciate your immediate attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent any further violations of my rights under applicable laws. 

Thank you for your prompt action in this regard. 

Sincerely, XXXX XXXX [ Account Number : XXXX ]
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the laws : 15 USC 1681 c ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 s there are numerous accounts on my credit reports with different and inaccurate dates, being date opened, dates of last activity, and last reported dates. Dates are inaccurate and different on each credit bureau reports XXXX, XXXX and transun Credit reports should be 100 % accurate and correct by the laws of the FCRA
Consumer complaint received 2024-02-01
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. (PA)

Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the presence of fraudulent accounts, specifically XXXX XXXX XXXX XXXX, currently damaging my credit report. These accounts have been confirmed as fraudulent through an identity theft report, with the associated banks acknowledging the validity of the report.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (IL)

XXXX XXXX XXXX it for a down payment of {$1000.00} auto retail installment transaction of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX falsely states that I made a down payment which it not true and lie in the contract with Global lending service which a Violent of usc 16- 33 Violation 15usc 1635 right of rescission
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the presence of fraudulent accounts on my credit report due to identity theft, as reported on XXXX. The associated banks have acknowledged the identity theft and agreed to remove these accounts. XXXX and XXXX have already removed these accounts. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (UT)

XXXX  Have requested several times to be provided with a Statement for this debt, I have requested and they have assured me that they will be mailing a statement for my records that w ay I may know ( in writing ) the tot al owing and the payment plan prepared ( again in writing ). Both times the agents have assured me they will mailed and I have confirmed that they have the right address. Both times the agents have pushed for me to make a payment and even increase the payment amount with the assurance that they will mail me a statement but they receive my payment and dont send me any statements or debt information.   Each time I have made a request the agents have mentioned that they will provide a statement but they circle back to payment arrangements.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The capital one charges started from XX/XX/2023, to XX/XX/2023. The total charge is about XXXX. I've let my XXXX son purchase an item on a game or app called XXXX of XXXX. But at the time, I was also dealing with a divorce with my spouse. So I couldn't be bothered by anything else. So I've never paid any attention to the card. It wasn't until I've received a bill of XXXX that I've found out about these charges. But now that I'm reporting these transactions as unapproved transactions, they are stating that it was a valid transaction. And is reinstating the transactions back. All those transactions were made by an XXXX XXXX XXXX boy and not approved by me.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-25
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. (TX)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC (VA)

I had an account with the  XXXX   XXXX  that was discharged in a BK. They sold the account to Receivables performance management. RPM now is reporting it as an active collection on my credit report.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (AR)

I must express my frustration with the Credit Reporting Agencies regarding their inexplicable persistence in reporting fraudulent accounts and inaccurate information on my Credit File without proper verification. It is absolutely expected that these agencies adhere to federal law, which mandates the removal of any accounts resulting from fraudulent activity. Despite my extensive efforts to dispute these items, the Credit Bureaus have regrettably failed to fully comply with my requests. Moreover, my repeated demands for evidence of verification have been constantly ignored by the Credit Bureaus. Under the provisions of the Fair Credit Reporting Act section 605b, I am left with no choice but to submit this CFPB Complaint. I demand, in no uncertain terms, the immediate and complete removal of all fraudulent accounts and associated information from my Credit File without any further delay or excuses. The following items must be deleted at once : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}. I must also draw attention to the inconsistency in the reporting of certain accounts, some of which have already been removed by other Credit Bureaus. This discrepancy raises serious doubts about the Credit Bureaus ' investigative practices or lack thereof, leading to multiple conflicting results. Such glaring errors and inconsistencies underscore the undeniable negligence on the part of the Credit Bureaus, and I insist that these disputed accounts be expunged entirely from my Credit File.
Consumer complaint received 2021-10-23
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: EQUIFAX, INC. (AZ)

XXXX, Equiax, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.
Consumer complaint received 2023-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My loan with Bank of American was in forbearance due to Covid. I didn't pay 4 months due to my loss of income during covid. I resumed paying the monthly dues after 4 mos but the 4 months behind I wasn't able to pay. BofA charged me fees ( miscellaneous ) for a total of {$560.00}. When I called them what those charges are for they told me it's for " they pay somebody every month to come & pass by the house to check if I'm living in the house ''. This was just so ridiculous. I can't believe. I asked their Customer Service if they do that to everybody who are in forbearance, she said " yes ''. My heloc is XXXX XXXXXXXX. The value of the property is {$1.00} XXXX. I live in XXXX XXXX XXXX. After forbearance period in XXXX I called them & asked if they can do something for me ( as what their website says ) for the forbearance amount like put back at the end of the loan or loan modification. They told me my loan was not set up that way!!! I didn't have any choice but to pay off the forbearance amount. 
Is it ethical to charge their customer this kind of fees during hardship? 

Thank you