davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (MI)

I have been trying to repair my credit to ensure my family a better life. Upon my pursuance, I noticed that the company Lexis Nexis had sold my information without my knowledge nor consent to companies for a profit. When I found this out I wrote to Lexis Nexis on four different occasions to rectify this situation : ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages you removed some info; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages added info back ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages. To no avail did Lexis Nexis remove this information. I recently submitted a certified letter through USPS ( XXXX XXXX XXXX XXXX XXXX ) in which I asked them to please remove all non pertinent information from my report. The letter was documented as being received by Lexis Nexis on XX/XX/XXXX. I have received no correspondence from them regarding this request.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MA)

I am a 100 % XXXX veteran and I recently moved from XXXX to XXXX. I bought a car in XXXX before I left and paid off my vehicle loan with JP Morgan Chase XX/XX/2021. I am trying to sell the car because I don't need it anymore but JPMC has not released the electronic lien and it has been five months. I contacted them about the situation and they were less than helpful. They said they would mail a lien release to the XXXX XXXX tax office in XXXX but, when I spoke to the tag office today I was told that because it was an electronic lien they could not use a a lien release letter and that JPMC is the only ones that can do that. So, JPMC is holding my title hostage. Granted I paid the loan off early but, there is no reason for them to not release the lien. They will not answer my telephone call. 

Contact information for JPMCB Auto Finance XXXX XXXX XXXX Mail XXXX LA XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX at XXXX I was awakened by a phone call from a person who identified himself as XXXX XXXX from Wells Fargo . The number on caller ID was in fact the Wells Fargo phone number. He stated that there was suspicious activity, that someone was attempting to wire {$15000.00} from our savings account and asked if I authorized the transaction. I told him that I did not and that I have never wired money as long as we've had the account. He told me that some steps had to be taken to secure the account to prevent the wire transfer from going through. The person had me log into my online account and verify the last several transactions from our checking account. XXXX XXXX then said that the money was being wired to a XXXX bank account. He put me on several silent holds and then said that he needed me to log out and log back in. XXXX XXXX then asked me to stay on the phone with him and if another phone was available to go get it, I would need to call Wells Fargo to tell them not to authorize the transaction. He provided me with the phone number, I called that number from my husband 's phone and it was the Wells Fargo main number. I spoke with a representative there who asked me to hang up the other phone as that was not a legitimate Wells Fargo representative and was likely a scam. She explained that she was able to stop a {$10000.00} wire transfer from coming out of our savings account but a {$15000.00} transfer had already gone through and that she could not get it back. The lady stated that she was submitting a claim for us and we would be contacted during business hours that day. After not hearing anything around noon, I called the fraud department. They stated that they had put a recall on the {$15000.00} and we would have the money returned within 10 business days and another claim was submitted. They provided us with a new checking account number. I received a few letters stating that the claim had been closed, however the money was never returned. My husband called after 10 business days and was told that they had opened the claim on the incorrect account number and that another investigation was now opened on the correct account and we would be contacted by an XXXX within XXXX hours. My husband was able to speak with an XXXX today ( XX/XX/XXXX ), and he was told that the fraudulent account with XXXX had been closed, there were no funds to be returned and there was nothing Wells Fargo could do about it. My husband then went down to a branch in person and was told that they usually require wire transfers to take place in person. He was also told that we should have been directed to a representative in the wire transfer department. She was able to see that the owner of the XXXX bank account was contacted and asked to return the funds, which of course they denied. The account was then closed shortly after. We have filed a police report with the police department and were provided the fraudulent account number that has been closed.
Consumer complaint received 2022-10-13
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. (FL)

On XX/XX/XXXX XXXX  reported to my credit 30 days late to my payment when i have never paid 30 days late i called to let him know but all he says is i will look at it but never fixes the issue
Consumer complaint received 2022-05-26
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: CLGF Holdco 1, LLC (HI)

This account with INDIGO has been sold to XXXX XXXX XXXX. The creditor indigo have no authority on this account. this goes against the fair credit reporting act. XXXX XXXX XXXX  has the debt and currently reporting on my credit report as well. I demand deletion of this account as it is a violation of FRCA and FDCPA.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (FL)

An AVANT credit card was opened in my name on XX/XX/XXXX. Three charges were made on the card : XX/XX/XXXX, XXXX, XXXX New Hampshire, {$400.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$50.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$46.00} A new address was added to my credit report on XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Ma. XXXX I have never lived at this location. 

I did not open this card. I live in Florida and I did not make these charges. I never received a bill or notification about the charges from AVANT. I became aware of the fraud when my credit score started to plummet. I contacted AVANT and asked for a paper statement to be sent to me and AVANT refused. I obtained the information above through numerous phone calls and by pulling a credit report from XXXX. I have opened complaints with XXXX and XXXX and AVANT. AVANT has closed the account and reported to XXXX that I am responsible for the charges. I called XXXX and they opened another investigation.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft and false and fraudulent bankruptcy ( XXXX ) was reported to my credit report. I have filled a police report and a ftc report and given it to the credit bureau and TransUnion said it would be disputed and never heard nothing back in 2 months. Called again and filled another dispute. And then I couldnt access my report at all through TransUnion website. And now its being reported on XXXX also
Consumer complaint received 2020-09-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

I called Chime XXXX XXXX XXXX XXXX XXXX CA XXXX at XXXX, on Monday to ask when my unemployment check would be deposited. He asked for the last 4 digits of my social security number, dob, and address. I gave him all of that. Then he asked how much, I said {$910.00}. He said he didn't need a confirmation number, but to send him a picture. He told me to download quick support, because Chime was updating their system. He said I wouldn't have to wait again for my money. I didn't give him my password. He said he was giving me {$50.00} for my inconvenience while he was updating my info. He took {$600.00} from my acct, and deposited into an account under the name XXXX XXXX XXXX. While I was on the phone w/ him, I went to an ATM and withdrew money to pay a bill. He didn't touch the {$69.00} from my savings. I now have {$28.00} in my account. I asked him why he was taking my money. He said he had to do it because his manager told him to. Even though he claimed to be a manager. I started screaming you are taking my money. He didn't stop stealing my money. I tried to call him back at the  number he was calling from XXXX, but it's no longer in service. I'd been waiting four weeks for that unemployment check. I filed a XXXX  complaint. Chime told XXXX they investigated and would not put the {$600.00} back into my account.
Consumer complaint received 2017-12-29
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. (IL)

XXXX XXXX account on my Equifax and XXXX  credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX2012 Last Balance Date XXXX
Consumer complaint received 2017-07-11
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. (TX)

Attached you will find a police report case # XXXX. I was told by your office that it is required to remove the fraudulent inquiries that appear on my account. Please remove them in the next 5 days and send an updated copy of my report to me.
Consumer complaint received 2022-01-20
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. (NJ)

My credit score with 03 credit bureaus agency XXXX, Equifax and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit score with 03 credit bureaus agency XXXX, XXXX and Transunion don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online
Consumer complaint received 2022-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX on capital one auto loan, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2022-05-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX BANK OF XXXX Acct XXXX XXXX BANK OF XXXX Acct XXXX XXXX XXXX BANKXXXX Acct # XXXX XXXX BANK Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-26
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. (FL)

In according with the fair reporting act conversion accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

Experian, XXXX, and XXXX all have listed hard inquires without my authorization.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Firstsource Business Process Services, LLC (CA)

The company First Source ( XXXX XXXX XXXX XXXX ) has been calling the home of my grandmother ( XXXX XXXX XXXX ) for about 2 months. My aunt who also stays there told me about 3 weeks ago that First Source was calling. She told them that I don't live there. I told her to ignore and don't answer the calls. 
Today XX/XX/2020, I went to visit my grandmother and First Source called again. I called back and asked them " why are you calling my grandmother 's home and it I do not live here. '' The First Source person said, " this is regarding your XXXX   XXXX account '' ( my XXXX XXXX XXXX account was an old debt years ago ). First Source person said, " we can remove the phone number ( XXXX XXXX XXXX - grandmother ) if you gave me your date of birth to determine if you are the correct XXXX XXXX '' then I hung up. 
My grandmother is XXXX years old and her daughter is XXXX years old ( aunt ) they are receiving harassing calls night and day from First Source -- This is outrages!! 
Can something be done to stop/penalize First Source?

Thank you
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Upon conducting a thorough investigation of my credit report, I uncovered a distressing array of issues that have severely impacted my emotional well-being. The discovery of unverifiable, invalidated, inaccurate, and questionable items has led to significant distress and even XXXX. It is clear that your agency has failed to ensure that my credit report is accurately represented. 

Under the Fair Credit Reporting Act, it is mandated that all information contained within my credit report be reported with absolute precision. However, it is evident that certain accounts have flagrantly disregarded this requirement. Sections 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly outline the necessity for 100 % accuracy in reporting, a standard which your agency has failed to uphold. 

Attached herewith are copies of all correspondence previously sent to your agency regarding these discrepancies. I demand immediate action to rectify these inaccuracies and bring my credit report into compliance with legal standards. 

Failure to address these issues promptly and effectively will result in further legal action, as I am prepared to defend my rights under the Fair Credit Reporting Act at all costs. 

This matter requires your utmost attention and urgency.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This complaint is to inform you that XXXX XXXX XXXX has unlawfully reported an alleged debt to my consumer report. Under the New Rule Regulation F. which took effect XX/XX/2021. 
XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting of this Debt immediately or I will escalate this matter by taking legal action. 
I have not given Credit Acceptance written permission to put anything on my credit profile 15 USC 1681b2. Credit Acceptance has no permissible purpose by law to contact third parties with my private information. Your offense amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGOUS CONSUMER AND WILL NOT HESITATE TOTAKE LEGAL ACTION AGAINST XXXX XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (NY)

Someone stole a Federal Student Loan check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank Key Bank ) and was able to open a fraudulent account at XXXX XXXX XXXX with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. XXXX  XXXX XXXX denied a claimed filed by the issuing bank ( Key Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of XXXX XXXX XXXX confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of Key Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?