davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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: U.S. BANCORP (MO)

I received a " right to cure default letter '' on XXXX XXXX letter stated in part " if you pay {$110.00} by XX/XX/XXXX, you may continue with the Cardmember Agreement AS THOUGH YOU WERE NOT LATE. I paid {$300.00} on XX/XX/XXXX which is only 2 days after the notice and 19 days prior to the deadline. The Cardmemeber Agreement states in part " The first time your payment is late, a late payment fee of up {$30.00} WILL BE ASSESSED. If another payment is late during the next 6 billing cycles, a late payment fee up to {$41.00} WILL BE ASSESSED. '' So per the " RIGHT TO CURE DEFAULT '' which incorporates the " Cardmember Agreement '' by reference then there should be no late fee, nor any action resulting from the late payment. The reporting requirements are also included in the agreements that I signed which discuss the procedure for reporting late payments. I will save that portion for the court because the bank has these documents and they know exactly what they contain. These are the words of US BANK themselves. They have now been put on notice via these previous complaints. All correspondence from the bank will be used in small claims court or federal court. If the bank chooses to change venues then requested relief and damages will be increased to the maximum possible penalty to account for time, and other factors. You can use diversion and deflection tactics but a contract is a contract. I'm an ordinary man but I'm determined and I've successfully fought cases in state and federal court. I am really not the person who will go away. I am also mailing a goodwill letter with an alternative demand letter in case the goodwill letter is not honored. I have included medical documents showing that I was injured on the job and unable to work from XX/XX/XXXX through XX/XX/XXXX. XXXX compensation insurance did not pay me for 3 months. And it was a partial payment. My life was literally in shambles and US Bank is exerting all of their might to either ignore my grievance or refuse relief. If a man is drowning then you have to excuse him for not remembering to call in to tell his boss that he won't make it to work. I am divulging all of this information because I am merely preserving the record. It boggles my mind how a company can be so persistent to deny people their rights. Even when those rights were extended directly by the company themselves. I will sue, and I will win. This all so unnecessary as the remedy I am asking for is completely reasonable. Any alternative interpretation of the law will be decided by a judge.
Consumer complaint received 2021-12-01
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-13
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: EQUIFAX, INC. (FL)

There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau Equifax and told them to remove this inquiry and they're refusing to remove this information.
Consumer complaint received 2022-06-16
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. (NC)

The credit bureaus stated the following accounts were properly investigated : Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-08-26
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. (TX)

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 2018-07-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (CA)

XX/XX/2018 initiated paying off my home mortgage loan with XXXX XXXX XXXX. I was advised to call XXXX XXXX XXXX ( XXXX ) to have them stop taking withdrawals from my XXXX XXXX bank account but they already had. I was told to find out if they sent my money to the mortgage company - and if they had they would calculate the 'motgage payoff ' amount taking that into account, and if not ( i.e. XXXX was holding my money ) then I was to request that they send it back to me. They took my money ( {$2300.00} ) and did not send it to XXXX and I have been trying for 6 months to get them it send it back to me. 
I am beyond frustrated with the lies and complicity of this fraudulent company. I have spend countless hours -on hold, being given the run around, blatant lies, being asked for bank info so they could directly deposit - which they never did, being asked for mailing address to 'send the check ' which never arrives. Trying to 'escalate ' to a supervisor/manager someone that could actually just do the right thing, but still getting people XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX   etc etc who just lie and say they will return my money. The last one was a doozy - after hours on the phone I supposably was talking to a manager - 'XXXX XXXX from the XXXX XXXX call center that told me she could see record of the escalation sand multiple 8 attempts on record and told me that the Ohio call center was in the process of closing down so that is why no follow up was ever done. She assured me ( like all the others ) that this would be resolved and a check for {$2300.00} would be returned to me - XXXX XXXX XXXX, XXXX CA XXXX. Like the last 5 at least I told them the XXXX quote of 'insanity is doing the same thing and expecting different results ' so how was I to believe this would actually happen? She promised she would call me in 3 days to follow up. I asked her to call me right back after we hung up so at least I would know she had the capability to do so and she did!! I had hope. Sadly that was on XX/XX/18 and I haven't heard or received a thing. I can't keep calling back and expecting anything to be different. I know this country has gone to * & ^ % with a malignant narcissist in power but does that mean all companies can companies run amok and defraud citizens? This company did from the get go by calling and claiming that they were from my mortgage company and my mortgage would be paid off faster wo fees. When I found out it was fraudulent I tried to 'undo ' pay map /equity accelerator to no avail. So I borrowed money to pay off my loan ( and be done with them ) and they still are stealing my money. Please help me recover my {$2300.00} and I promise I will never be stupid enough to trust a US financial company like that again! Thank you so much XXXX XXXX ( XXXX is XXXX XXXX - fyi bc has both our names on the CFPB site )
Consumer complaint received 2022-06-16
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. (VA)

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (PA)

I purchased a new vehicle in XXXX of 2022 financed through Chase auto finance and had automatic payments set up when I initiated the loan on the car through my bank at XXXX. 
In XXXX of 2022 my mother made a payment on my account for me and at that time a customer rep from Chase without my knowledge or permission canceled my automatic payments coming out of XXXX and changed the banking information for payments from my bank to my mother 's bank. 
Unbeknownst to me after that my payments were not being made because my mom 's account was used for other bills. I will concede it was irresponsible of me not to check my statements but since I had automatic payments in place really didn't even think it was necessary so I own that fault. 
However ; the stopping of my payments and the changing of the account information was all on the finance company. 
Then on the XXXX of XXXX, my vehicle was repossessed so I logged into my online account and saw that I was in arrears I contacted Chase to bring my account current which they refused to let me do, and as I was speaking with the rep from the department responsible for the account they deleted my account information as I was speaking to her so I had no access to any of the account information any longer. 
After that, she told me that I would have to pay the full balance on the loan of XXXX to get my vehicle back. 

All I wanted was to bring my account current and get my vehicle back and continue with my original arrangement before they went and changed everything on me without my knowledge or permission. 

I don't think they are allowed to delete account information either since that was the only way I had any of the details necessary to contact an attorney to assist me with this. 

I don't know what I am supposed to do at this point so I wanted to file a formal complaint against them for unfairly treating me with respect to this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (PA)

I was a utility customer with XXXX XXXX XXXX in Pennsylvania. XXXX contracts with LJ Ross for asset management and collection. I was referred to LJ Ross for an amount owed when changing addresses, without notice and/or the chance to dispute the amount. Amount was never verified before showing on my credit report. XXXX as original creditor would not communicate with me, so I was forced to negotiate with LJ Ross to settle for removal of the account for an amount. I paid the settlement amount, but the account was not removed, only updated to a paid, open account and re-aged. I recently discovered that LJ Ross never communicated to XXXX the settlement amount and was recently contacted by XXXX this fall that I owed a balance on the unpaid disputed amount. I contacted XXXX to inquire about the account and for verification, and they told me they would investigate. I received a second letter informing them that I owed an additional balance from my prior address that would be tacked on to my current address bill, and when I contacted them to ask about the result of the investigation, they told me to contact LJ ROSS for proof of settlement. I contacted LJ ROSS whom mailed me the proof of settlement in full, but not the date of the agreement or the information related to terms of settlement that involved deletion of the incorrect account from credit reports.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Affirm Holdings, Inc (SC)

AFFIRM INCXXXX XXXX violated my consumer rights. AFFIRM INCXXXX XXXX XXXX XXXX cease and desist via certified mail and signed the green return receipt proving they received it on XX/XX/2022. I have attached a copy of the certified mail receipt and a copy of the signed green return receipt.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.
Consumer complaint received 2022-08-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2018-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On Friday XX/XX/2018 I was defrauded and scammed into depositing {$1000.00} is dollars using XXXX quick pay from my CHASE account to a XXXX XXXX XXXXXXXX account. Im currently working with law enforcement in XXXX XXXX XXXXXXXX where I live and with law enforcement in XXXX, Florida where the account holder of XXXX  XXXX XXXX lives. I mmediately contacted both banks within minutes of transferring the funds. CHASE at the time of my claim only gave me the option to submit a claim and all I can do is wait. Its now been 6 days and CHASE has not contacted me.
Consumer complaint received 2017-09-21
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)

XXXX stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list that clearly indicate that am not on the list and is an error.
TransUnion stated on my credit report that I have an individual tax lien which was reported filed XX/XX/XXXXan amount of {$1000.00} and another one on XX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NE)

I notice I have two collections items on my credit report from ( 1 ) XXXX XXXX ( 2 ) Midland Credit management I have never received a validation notice via mail at my place of residence nor electronically from either parties to verify this debt .I haven't had any business agreements nor prior agreements with the companies mentioned above
Consumer complaint received 2022-06-16
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. (GA)

Hello, I have recently noticed fraudulent activity on my credit reports. A Collections account from XXXX XXXX XXXX XXXX. Original Creditor Name : XXXX XXXX in the amount of {$2700.00} that was wrongfully reported on XX/XX/2022. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-16
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: SCA Collections, Inc. (NC)

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.In accordance with the Fair Credit Reporting act.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the SCA Collections Collections Accounting # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2021-10-26
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)

On XX/XX/XXXX, a XXXX XXXX Account ( XXXX ) that was disputed through Experian and XXXX, was removed from my account after the dispute process. XX/XX/XXXX, the account was added back to my consumer report. 

According to 611 ( a ) ( 5 ) ( B ), if any information that has been deleted from a consumer 's file is put back onto the file, the consumer reporting agency is suppose to notify the consumer of the reinsertion in writing no later than 5 business days later after the reinsertion. I was never notified of the reinsertion. 

I have called and sent letters to resolve this issue, no response.