davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (CA)

Called Company to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In 1933, Congress took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full.

Per 15 USC 1691, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to 12 CFR 1026.5 The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ).

There is also supposed to be a notice within the form stating as follows : 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that 18 US Code 8 States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : 18 U.S. Code 8 - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

The secretary of state proves I do not have a lien holder. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( Truth Lending Act ).
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.
Consumer complaint received 2020-06-05
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. (CA)

XXXX XXXX has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus untilXX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX  XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.
Consumer complaint received 2022-03-07
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: Marlette Funding, LLC (TX)

XXXX/MARLETTE XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX/MARLETTE : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for XXXX XXXX dated XXXX, 2022 met this requirement, pursuant to the XXXX. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-07
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. (WI)

there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to XXXX, Experian and XXXX since XX/XX/2021.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IL)

Hi! My name is XXXX XXXX. I got a British Airway visa card in XXXX, XXXX. When I opened my account, I thought I would get a travel together ticket if I spent more than USD XXXX within a year. And I have already spent more than USD XXXX now. But I did n't receive my travel together voucher, so I checked the website and found out that the requirement was within a " calendar year '' instead of " a year ''. But I opened my card in XX/XX/XXXX, there were only less than three months left in XXXX. And I spent more than USD XXXX before XXXX XXXX, XXXX. I think it was very close to the requirement, USD XXXX. 
So I think the rule is very unfair for a new user. Like me, just because I opened my card in XX/XX/XXXX, I lost my deserved reward from spending more than USD XXXX in less than 3 months. If I opened my card in XX/XX/XXXX, absolutely I would be qualified to get the voucher. Also, the other thing I want to address is the rules are very confusing. There are XXXX types of rewards. XXXX is open card bonus, the other is travel together ticket. For open card bonus, the requirement is " within your first year '', however, the requirement for the travel together ticket is " in a calendar year ''. I believe it is misleading and trying to confuse customers. 
Thank you for your time and help. I look forward to hearing from you.
Consumer complaint received 2022-03-07
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. (WI)

there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to XXXX, XXXX and Transunion since XX/XX/2021.
Consumer complaint received 2020-06-05
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. (TX)

I purchased a vehicle new @ XXXX XXXX XXXX, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( XXXX XXXX XXXX XXXX ) XXXX repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is XXXX. XXXX is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! 

Note : I have paid off 3 XXXX prior to this purchase. My previous XXXX, also purchased new, had to have the transmission replaced TWICE! XXXX makes a XXXX product and expects you to pay for it.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (IL)

My work 's secretary received a phone call from XXXX XXXX XXXX XXXX XXXX that said XXXX XXXX has documents that require a signature. When I called the company back, for XXXX, the woman who answered did n't say her name or what company they were, and XXXX, when I asked they would n't tell me what my debt was except they were taking legal actions against me. She told me they were Worldwide Asset. When I asked more questions they got very defensive and hung up on me.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Chexsystems is reporting a derogatory mark on my credit from XXXX XXXX XXXXXXXX as a closed account with a negative balance due to account abuse, I was in contact with XXXX   at the time notifying them that the balance would be paid the account was closed with no warning or due date, as well theirs inaccurate information regarding addresses associated with my name on my chexsystems report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.
Consumer complaint received 2020-06-05
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: Navient Solutions, LLC. (TX)

Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IA)

I've had my American Express credit card since XX/XX/2015. Since then, I have never missed or been late on a single payment. Most of the time, I pay my card of completely. Last month, I received notice that American Express was decreasing my credit limit from {$30000.00} to {$3900.00}. This has caused my financial outlook and security to be completely diminished as well as hurting my credit score. I contacted American Express to try and get my credit limit brought back to the original limit to which no one I spoke with would provide me any help whatsoever.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank issued me a XXXX for 2013 in the amount of {$14000.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2013 included same amount. Chase Bank has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be list as " {$0.00} BALANCE, PAID IN FULL ''.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act, XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX has violated my rights XXXXXXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX has violated my rights XXXX card has violated my XXXX XXXX ser has violated my rights XXXX has violated my rights Workers credit union 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 2022-03-03
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. (FL)

I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.
Consumer complaint received 2022-03-03
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. (FL)

I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!
Consumer complaint received 2020-07-29
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. (IL)

Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.
Consumer complaint received 2016-05-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Order flowers from a company name XXXX to be delivered to my wife. The picture in their website vs what was delivered was a misrepresentation. Contacted XXXX for a refund per their guarantee and they would not honor it. I then contacted Chase customer service and they said there was nothing that can be done since it was a debit and there was no purchase protection at all on debit purchases.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

Chase is stuck with their wrong accounting and stopped servicing our home mortgage. 
Chase sent us back our XX/XX/XXXX & XX/XX/XXXX payments, and is asking us to pay {$22000.00} to bring it up to current. 
Chase is wrong. As of XX/XX/XXXX our mortgage payment was current. The remaining balance was {$350000.00} on Chase 's book ( see the Statement ; Book XXXX ) as was {$350000.00} on our book ( see Book XXXX ). 
Chase is wrong in saying that we did not make the payments since XX/XX/XXXX. 
Chase is doing a robbery and not servicing a home loan. 
Could OCC/CFPB stop Chase 's criminal act?
Consumer complaint received 2021-12-02
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$1500.00} XXXX {$0.00} XXXX {$11000.00} XXXX C XXXX {$180.00}
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION (TN)

Was seen in XXXX XXXX XXXX ER on XXXX/XXXX/2015, Paid {$25.00} @ ER balance owe {$750.00} ..I have paid {$25.00} on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. Received letter from Central Finanical Control stating my account has been with them for collection in amount of $ XXXXnot understanding why was my bill sent to collection and im attempting to pay what I can due to lack of work and illness