davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.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 2020-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

This is a complaint against Experian Credit reporting agency. Upon numerous calls and bounced back from XXXX agent to another, I finally got a rep named XXXX XXXX talk to me and she informed that she is working from home and really does not have all the tools. She had someone crying at the background and she put me on hold for a long time then told me that she can not do anything about this Collection agency, they purchased a 13 YEAR OLD ACCOUNT AND TRYING TO MAKE SOME MONEY ON IT. MS XXXX SAID THAT IS FINE, THEY ARE JUST DIRECTED TO DO WHATEVER THE CREDITOR /COLLECTION AGENCY TELLS THEM TO DO. 

THIS IS A FRAUD AND A SCAM TO COLLECT ON AN ACCOUNT WHICH IS ALREADY SETTLED 13 YEARS AGO, AND THEY ARE WANTING TO REOPEN AND MAKE SOME MONEY ON THIS OLD ACCOUNT
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (NY)

I experienced an issue with a debt collection agency working on behalf of XXXX due to a bill that was mistakenly sent to my old address, which I never received. At no point did XXXX attempt to contact me via phone or email regarding the outstanding balance. The first time I became aware of the debt was when I was contacted by the debt collection agency. 

Today ( XX/XX/year> ), I was approached by the agency demanding immediate payment. I was surprised by the outstanding balance, as I had not received any prior communication about it. The initial call was to notify me of the outstanding balance, during which I inquired about the payment 's due date and any relevant information they had, as I had a pressing meeting to attend. After the meeting, I called back with the intention to gather further details about the invoice to assess the situation and decide on contacting XXXX directly for verification. Unfortunately, during my attempts to responsibly address and understand the issue, I was met with undue pressure from the agency representative. Despite explaining my intention to verify the debt and expressing my willingness to resolve the matter by the end of the day, I was coerced into making an immediate payment over the phone. The collector leveraged the fact that " you called us 3 times already '' as a rationale for insisting on immediate payment, applying significant pressure that led to my reluctant compliance. 

Subsequent to this pressured payment, I reached out to XXXX to update my contact information and verify the debt details. It was then confirmed that the initial billing communication had been misdirected to an incorrect address, the root cause of this misunderstanding. 

This incident has exposed serious concerns regarding the debt collection agency 's aggressive tactics and XXXX 's billing communication practices. The absence of any attempt by XXXX to contact me through more direct means before resorting to debt collection, coupled with the collection agency 's high-pressure tactics, has caused unnecessary stress and financial inconvenience.
Consumer complaint received 2019-07-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

I have been trying to close my Fathers IRA account. 
I have been in contact with the Bank multiple times, begining in XXXX, after my father died. I am the executor of his estate. The banks forms have been filled out, at the local branch to insure no problems. The forms were sent to the Banks IRA department along with death certificate and paper work showling me as the executor. 
I have returned to the branch multiple times between XXXX and XXXX. 
Each visit results in another minor issue or question being raised and answered, always ending with their assurance that the check will be in the mail. Now going on eight months, still no check. 

The account is going thru probate, because the bank failed to process the transfer on death paperwork. This paper work must go thru the banks IRA department, a very incompentant department. Other accounts with the bank transfered on death. 

This is my second complaint on the same account, the first time I maid the complaint, their reply was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

Their customer is dead, they don't reconize me because they are incompetent. 
They are sitting on this IRA, they never call me to say there is a problem. 
I believe they slow walk these account closing request on purpose and should be investigated. I made multiple trips to the banks branch, 1 hour away, and still after 7 months, hear nothing but excuses.
Consumer complaint received 2019-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2019 I noticed that my daughters student loan was listing me as the individual owner of the loan. I have not attended college and was only the cosignor for her- To date nothing has been done to change this nor remove it until it is accurately reported. It was reported to TransUnion and should not take this long as I have not and do not attend College I am only the father of the child who did and she applied not myself.
Consumer complaint received 2019-07-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN HONDA FINANCE CORP (NY)

Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of Honda granting the 60th payment extension and XXXX notice. Also attached is a XXXX bill showing Honda receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached Honda refuses to provide the details of its XXXX interest calculation. Honda refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.
Consumer complaint received 2019-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Keep getting phone calls regarding a debt owed to " XXXX ''. Have never had an account with that company. The calls are always an automated call leaving another phone number to call. They call six to eight times a day using different numbers. Have blocked the numbers and they still continue.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of XXXX granting the XXXX payment extension. Also attached is a XXXX bill showing XXXX receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached XXXX refuses to provide the details of its {$280.00} interest calculation. XXXX refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.
Consumer complaint received 2018-05-24
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: JPMORGAN CHASE & CO. (OH)

I have been a victim of identity theft. Someone attempted to open an XXXX credit card using my name and social security number in XX/XX/XXXX. My credit monitoring services alerted me of a hard pull on my credit, and I contacted Chase Bank, which underwrites the card, to report it. The person I spoke to assured me that Chase would : ( 1 ) Send a notice to credit reporting agencies to remove the hard pull ( 2 ) Put a flag on my social security number so that any future applications would be declined.

Yesterday, I got another notice that someone had attempted to open a Chase credit card in my name. I contacted them this morning, and all the person I spoke to would commit to is declining the card. There is no flag on my social security number to prevent future fraud. Moreover, the XX/XX/XXXX hard inquiry is still on my credit report. I asked them to report the attempt to law enforcement, and they refused. 

Credit card companies need to do more to protect victims of identity theft from having fraudulent credit opened in their names. They should be required to report fraud to law enforcement.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

According to XXXX XXXX XXXXXXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 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. Account name : Capital One has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 mandates 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. 15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of XXXX. 15 U.S.C 1602g We the people are the credit XXXX  and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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 2021-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

My Credit Card and Loan became delinquent when I lost my unemployment benefits. Navy Federal Credit Union took all of my money from my Checking account to pay to the Credit Card and Loan without my authorization leaving me with a XXXX balance. I had this problem around XXXX with the account that is now a Loan, which was reviously a closed Overdraft Protection account. Navy Federala Credit Union told me at that time if I converted the account from a Overdraft Protection account to a Loan, I would not have the problem of them coming in and depleating the money in my Checking account to pay the Loan or Credit Card.I did not authorize the payment, did not have automatic re-occuring payments, and asked Navy Federal to put the money ( {$250.00} ) back into my Checking account which they refused to do. They told me they had a " Security Interest '' in my Checking and Savings Accounts that allowed them to go in and deplete my funds when my Credit Card or Loan becames delinquent. I asked to close my Checking and Savings, and they refused to close the Savings so that if any further money was deposited into my accounts they could take it to satasfy my delinquent Loan and Credit Card.
Consumer complaint received 2021-07-23
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. (PA)

I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-01-12
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. (IL)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Texas, XXXX Texas, XXXX Dear, XXXX XXXX XXXX Attn ; Legal recourse I am writing to dispute the accuracy of the information in my credit report that is currently being maintained by your agency. I have reviewed my credit report and have identified several inaccuracies that I would like to bring to your attention. 
Specifically, the following items on my credit report are incorrect : Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under metro 2 guidelines I dont recognize these accounts as correct I request that you conduct a reinvestigation into these inaccuracies as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of my credit report and any supporting documentation that I believe will assist you in your investigation. 
CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX I have also attached a copy of the letter that I sent to the original creditor requesting a correction of these inaccuracies, as well as their response. This correspondence satisfies the requirement under Section 611 ( a ) ( 2 ) of the FCRA for me to notify the creditor of the inaccuracies before disputing with the credit reporting agency. 
I would appreciate it if you could keep me informed of the progress of your investigation and provide me with a written copy of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

Reinvestigation the follow up dispute... I am in dissagreement with the account listed below which still appears on my credit report even after your investigation.This account is hurting my ability to obtain credit..I would like this immediately re-investigated and the account removed/deleted ... The late payments are inaccurate and are highly injurious to my credit score... Please show proof of late payments in XXXX & XXXX XXXX..This inaccurate information falsely manipulates the statue of limitations.You failed to investigate this account properly and your neglect has violated my rights..I am demanding deletion of the following account.. 
XXXX Account name : CBNA  Account # XXXX XXXX Account name : BESTBUY/CBNA Account # XXXX XXXX  Account name : CBNA Account # XXXX
Consumer complaint received 2022-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}, BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2019-07-28
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. (HI)

I did not authorize anyone employed by these companies namely -- - XXXX, XXXX, XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

NAVY FEDERAL IS A CURRUPTION INSTITION THAT CALLED MY JOB NUMEROUS TIMES. THEY CUT OFF MY DEBIT AND CREDIT CARD NUMEROUS TIMES. THEY ARE IN VIOLATION OF THE SAILORS AND SOLDIERS ACT SAYING I OWE MONEY THAT I DONT. I HAD A SECUR3D CREDIT CARD AND THEY SAY I HAVE A BALANCE. HOW IS THIS EVEN POSSIBLE. THIS BANK IS XXXX AND HAS A DISTAIN FOR ALL XXXX PEOPLE. 

Falsely threatened legal action and wage garnishment : The credit union sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the credit unions message to consumers of pay or be sued was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The credit unions representatives also called members with similar verbal threats of legal action. And the credit union threatened to garnish wages when it had no intention or authority to do so. 
Falsely threatened to contact commanding officers to pressure servicemembers to repay : The credit union sent letters to dozens of servicemembers threatening that the credit union would contact their commanding officers if they did not promptly make a payment. The credit unions representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The credit union was not authorized and did not intend to contact the servicemembers chains of command about the debts it was attempting to collect. 
Misrepresented credit consequences of falling behind on a loan : The credit union sent about XXXX letters to members misrepresenting the credit consequences of falling behind on a Navy Federal Credit Union loan. Many of the letters said that consumers would find it difficult, if not impossible to obtain additional credit because they were behind on their loan. But the credit union had no basis for that claim, as it did not review consumer credit files before sending the letters. The credit union also misrepresented its influence on a consumers credit rating, implying that it could raise or lower the rating or affect a consumers access to credit. As a furnisher, the credit union could supply information to the credit reporting companies but it could not determine a consumers credit score. 
Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about XXXX accounts after consumers became delinquent on a Navy Federal Credit Union credit product. This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts.
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

gulf coast collection agency called me at XXXX on XX/XX/XXXX saying that I owe an unspecified amount of medical debt to XXXX XXXX. Payments have been made regularly to This hospital and I am dealing directly with them. Gulf coast has sent no written notice to me. 
The person that called said " If you do not pay, I will have a warrant issued for your arrest. '' The person was male but did not give his name other than the above mentioned company.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (NJ)

1. In accordance with the fair credit reporting act XXXX  Avant, has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose