davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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)

My complaint is in regards to equifax and their inability to resolve my complaints about this account listed on my credit report as acctXXXX. My original complaint dates back to XXXX I request in validation of this account from all three bureaus. XXXX  along with XXXX  deleted this account upon completing their investigation ( proof is attached that reflects deletions ) but equifax hasnt removed the account they verified it as accurate. I was under the impression each agency reports the same information with accuracy. This is a violation to my consumer rights to neglect performing a thoro investigation. Certified mail is very expensive and covid has caused me hardships to the point I could barely afford it please remove this account immediately
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NC)

According to the Truth in Lending Act.15 U.S.C 1692. that protects XXXX XXXX XXXX a consumer the creditor ( Honda Financial Services ) fails to adhere to the laws under the TILA ,15 U.S.C 1692. 

Under the the FCRA U.S.C 1602. and the TILA 15 U.S.C 1692., creditor ( Honda Financial Services ) did not show that the consumer XXXX XXXX borrowed the actual price for consumer lease, creditor is charging additional insurance fees under the finance charge listed in 15 U.S.C 1692.
Consumer complaint received 2022-07-13
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. (CA)

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXXXXXX XXXX XXXX  Original creditor XXXX XXXX  Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (CA)

Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to Experian, XXXX, and XXXX to investigate and I have not received a response.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (CA)

On Saturday XX/XX/19 around XXXX  o'clock I went into Speedy Cash to pay off my loan for the amount of XXXX dollars. I paid the full amount with cash and asked for a receipt in which the teller gave me one. On XX/XX/19 at XXXX I get a phone call from Speedy Cash Corporate office in which they tell me I haven't paid off the loan and there's no record of me paying it off. I call the branch where I paid the loan and they show no record of me paying off. I asked if they have any cameras and if they could review the footage and the teller said to come over and we'll be able to review it. Around XXXX o'clock i go over to the location and the manager then says it'll be weeks before we could actually review anything. The manager did print a receipt for me showing the last time I paid my last loan on XX/XX/XXXX but not showing the XXXXThe thing is I have lost the receipt and the only way to prove i did pay is with security cameras.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

I initiated contact w JP Morgan Chase asking to cancel my card in order to reverse the {$95.00} annual fee I saw was charged to my account. When I called I was told I was over my cancellation date ( by about 2 weeks from what I could gather ) and JP Morgan Chase refused to refund my {$95.00} fee.

I then contacted the JP Morgan Chase executive office and once again my request to get my annual fee refunded was denied on the basis that my request was beyond 30 days. 
The terms for being able to cancel the card and get the annual fee refunded were not clear to me, the consumer. I do not know where these terms exist ( within pages of fine print perhaps when the card is initiated? ) Regardless, the consumer should be reminded of these terms regarding the refunding of this charge with each yearly subsequent charge. I would also argue that 30 days is not enough time as many consumers are extremely busy and not aware of charges on their account within that time period. 
The banks have consumers in an unfair situation by limiting this cancellation to 30 days as it often takes much time to transfer automatic payments being made on the account to another account, and no one wants to have a denied charge. When setting up automatic payments, every bank and credit card admits it 'may take up to 2 billing cycles to set-up '' yet we the consumer are not given the same courtesy of time.
Consumer complaint received 2023-03-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : OAG CHILD SU XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-26
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. (NY)

I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written 2 letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Consumer complaint received 2018-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I transferred funds to my friend XXXX at the end of XX/XX/XXXX through XXXX via my Chase app. The funds went thru ok. I attempted to send money to her again on XX/XX/XXXX. XXXX called me to confirm that she had not received the funds. I called Chase and they said that because the transfer was done before the weekend, that I should wait until Tuesday to check for the payment. When I followed up with XXXX on Tuesday, the funds had still not been deposited in her account. I contacted Chase and they advised that the email associated with XXXX was linked to another debit card, issued by a credit union. I called XXXX and she confirmed that she only had XXXX and had never had a credit union. XXXX informed XXXX that she should delete her XXXX app and set up a XXXX account with XXXX and the money would be deposited into her account - it was not. I contacted Chase yet again and they advised that I need to open a claim - this was on XX/XX/XXXX. I waited the 5 days before contacting Chase again and contacted them today, XX/XX/XXXX. Chase told me they closed the claim because XXXX had not responded to their request for additional information so that Chase could complete the investigation. I called XXXX with myself, XXXX and Chase all on the call. The outcome was that Chase had closed the investigation because XXXX did not respond and that I would not receive my {$160.00} back. 

When I contacted Chase initially, I told them that the transaction showed delivered and I wanted a resolve before the transaction was completed - that did not happen. I checked my account today and the money was delivered to the fraudulent debit card associated with XXXX  email address. 

Neither Chase or XXXX has returned my money, nor does it appear that they will do so. 

I just want my money back as it seems that the additional debt card was added to XXXX XXXX account without her knowledge.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MO)

I.C. Systems Inc. ( 3rd party collections for XXXX XXXX ) is in violation of the FCRA regarding this account of {$470.00} by attempting to collect on a debt older than allowable years for reporting amongst other violations : I am requesting assistance in having it cleared from XXXX in specific. This account was removed from XXXX and XXXX for FCRA violation ; the same as I'm requesting it be in this instance. 
I have disputed through the online dispute option. The dates being represented are misleading as to origination of the debt 's dates. 
Also, the debt 's time within a third party collection cycle has negatively impacted my credit for longer than the " reasonably stipulated '' penalty timing/ phase on a credit report.
Consumer complaint received 2023-03-27
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. (MO)

This is a follow up CFPB Complaint to the previous Complaints I submitted requesting that the Credit Bureaus correct the information being reported on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. I am confident that the information being reported by Credit Bureau are inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

on XX/XX/2017 our XXXX XXXX credit card was used fraudulently for the initial amount of XXXX the card/account profile continued be used fraudulently via identity theft until the debt reached XXXX and with interest and penalties it reached XXXX. 
A police report was filed on XX/XX/2017 with the XXXX XXXX sheriffs department. An arrest was made, the wallet recovered by them and communicated to us by the XXXX XXXX police department on XX/XX/2017. This was communicated to XXXX 's fraud department who has not expunged our record to this date. They through city bank played ping pong with us and sold the debt. I have communicated this to all the debt collectors only to have the debt resold and the issue never fixed.
Consumer complaint received 2021-07-11
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: Carvana Group, LLC (CA)

I purchased a user car from Carvana in XXXX, 2021. I obtained financing from their lending division, XXXX. There are three problems with this transaction : 1. It took over six months to obtain the California registration and I had to pay out of pocket to redo the smog inspection because the one they submitted had expired.

2. I paid off the loan in XXXX and have not yet received the title. After several calls to XXXX they sent me a letter that the title would have to come from the State of California. I should not have to apply for new title but rather should receive the title from the lender. 
3. XXXX has not yet reported the loan payoff to the credit bureaus. Today 's date is XX/XX/XXXX so it has been six weeks.
Consumer complaint received 2019-11-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eagle Accounts Group, Inc. (MI)

The child support agency is suing me for a debt they never proved I owed. No contract of any sort and they have suspended my persons drivers license without providing me any proof of the debt I owe them after me sending them numerous responses asking to see the contract or anything that says I owe them. I took them to court in XX/XX/XXXXand now the Friend Of The Court is saying that I owe them also. All of this is without anyone sending me any documentation of my signature on anything obligating me to any type of performance after I've asked multiple times. They are saying I owe them almost 2000 dollars for who knows what.
Consumer complaint received 2023-03-27
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. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Risecredit, LLC (CA)

Installment RISE LOAN ( Account number ) XXXX ( Amount XXXX {$3600.00} COmpany Rise credit or Rise Loan LOAN defaulted XXXX possibly XXXX XX/XX/XXXX and STILL remains on my credit report
Consumer complaint received 2018-11-21
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. (TX)

The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.