davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (FL)

ATTN : XXXX XXXX CEO at XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX CEO at XXXXXXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX CEO at XXXXXXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-07-27
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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
Consumer complaint received 2022-02-11
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (UT)

XXXX XXXX is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/XXXX.

XXXX XXXX attorney Contacted me when I was attempting to settle said that GM  advised me to call them and she gave me their number : XXXX.

I called them and they told me an outside agency named VITAL is collecting on the debt now. Their number is XXXX - XXXX   account number XXXX.

I called that company On XX/XX/XXXXI settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX  balance.

Now they won't return my calls and XXXX is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
Consumer complaint received 2022-06-14
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2015. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (FL)

I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.
Consumer complaint received 2018-12-10
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. (CO)

On XX/XX/2018 I submitted a challenge letter to Experian in regards to negative items being reported to my credit report. Per FCRA they are to investigate every letter sent to them. As of XX/XX/2018 they have failed to investigate these items and because it has been more than 30 days they are to delete them. On XX/XX/2018 I have sent another letter for those same items and they have not till this day done anything with that letter. I demand them to delete all negative items that are listed on my report for failing to investigate said items. 
Due to the obvious yet significantly INCONSISTENT and or INACCURATE and or incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHECK for : 1 ) physically verifiable document VALIDITY 2 ) physically verifiable evidence of COMPLIANCE OF REPORTING 4 ) testimony attesting to the factual FULLNESS of claim ( s ) truth, correctness, completeness, timeliness, ownership, responsibility, compliance to all applicable reporting regulations/laws/or standards AND the CERTIFIABILITY of the aforementioned FURTHER, Due to the obvious yet significantly incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHALLENGE the claim ( s ) : 1 ) based on MISSING aspects of CERTIFIED COMPLIANCE 2 ) based on DEFICIENT aspects of CERTIFIED COMPLIANCE 3 ) or based on ANY OTHER questionable aspect of COMPLIANT and CERTIFIED PERFECT REPORTING LASTLY, Per federal laws, VALIDITY of claim MUST be perfectly TRUE & CORRECT, and to REPORT the VALID and VERIFIED derogatory claim MUST be perfectly COMPLIANT " as reporting WHEN REPORTED ''. ANY deviation from that minimal criterion of validity or reporting compliance makes retain the derogatory data unethical and unlawful and gives consumer legal grounds to DEMAND immediate and permanent removal, so DELETE your unjust and injurious claims versus me NOW! ''
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase recently locked my account for security reason on XXXXXXXX. I tried to call and resolve the issue for numerous times without success. They promised to get back to me within 48 hours on XX/XX/XXXX. However its been 96 hours past and I still have not heard back from Chase. I tried to reach out and resolve the issues myself, and the customer protection service representative hanged up my phone call and has never called me back, even if he has promised so. Chase has refused to give me a chance to describe the circumstance, and breached their service level agreement by a large margin. This has posed a huge inconvenience on my daily activities. I have attached the receipt on the last successful transaction of the locked card.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PA)

This collection company call a lot of time, and in 2 ocasion i tell them, this amount is incorrect, but they said i have to pay, this = is what i old, i said not i old like XXXX why i have to pay {$440.00}, i want to dispute this, they said i can't this dispute this amount, that the only think i have to do is pay the XXXX i say no,,, i want to dispute this amount, and they reduce with a very bad behavior and rude. THe have now report this to all credit berue even without letting me dispute this, of give me the opportunity to dispute this amount. 

Also this deb company call for a lot diferente phone number, and use tactic like, can you put XXXX on phone, if i said is not here, the said this i a debt collection calling for XXXX on deb she have from XXXX, even if they don't know who pick the phone, my husband take the phone few time and they give information without permission, also the call saturday and sundays, and call a lot of time so when my husband pick the phone they hangoff..like XXXX to a woman to pick the phone guessing it is me.
Consumer complaint received 2022-06-14
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)

On XX/XX/2022, I contacted the bureaus regarding the inaccurate reporting of some accounts, one of which included an account from XXXX XXXX with an alleged owed amount of {$260.00}. A letter was sent to XXXX and Equifax using the METRO 2 Compliance Standards challenging the reporting of this account as XXXX had already removed it. I received their " debt of Validation '' showing how the account was verified as " valid '' however, I noticed that they were reporting 2 different service addresses with no unit number. I sent a letter to them on XX/XX/2022 in regard to the discrepancy and received a collection letter from XXXX on XX/XX/2022 in regard to the XXXX account.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove the late dates from my XXXX XXXX account on my credit report, as acknowledged by XXXX XXXX, who has already agreed to update the account. Uphold their promise to rectify the error and reflect the accurate status on my credit report promptly. I believe it's appropriate to remove the late dates resulting from a mistake and expect swift action. Ensure my credit report accurately reflects the resolution of this matter without delay. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

XX/XX/2022 I got a statement from Comenity National Bank for account # XXXX, a rewards credit card for XXXX 's XXXX. I immediately notified them by phone that this was a fraudulent account, and after hours of being transferred, I got through to the investigations department who assured me that they were closing the account and I wasn't responsible for the charges. I reported the identity theft to the police, I have a police report. I notified the XXXX credit agencies and froze my credit. At the time, my credit score was XXXX. At the time I also got inquiries from XXXX Bank and XXXX, who also manage store credit cards, but XXXX contact to each of those ended the new inquiries. Comenity sent me a form for me to fill out in wiriting, and attach a copy of the police report, which all was completed in XXXX, Meanwhile, the thief continued to charge purchases at XXXX XXXX and attempted at least XXXX more stores managed by Comenity. My credit score is currently down to XXXX. Comenity is still calling me about the " past due charges '' on the XXXX XXXX XXXX account and when I called the fraud department this week, they told me the investigation had been closed and it had been decided that I owed the charges. I was never notified in writing that the investigation had been closed. I doubt I'll be able to undo the damage to my credit score but short of spending hundreds of dollars on a lawyer I hope there is a way to make the bank do what they're supposed to do. Comenity manages credit cards for over XXXX retail companies and they are clearly having issues managing
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX {$1300.00} ( XXXXXXXX XXXX XXXX XXXX XXXX  {$540.00} ( XXXX ) XXXX XXXX XXXX XXXX {$8100.00} ( XXXX Reached out for documentation associated with the status of the accounts.Looked at my consumer report and we all closed and charged off.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items 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 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. Please remove ASAP.
Consumer complaint received 2022-06-14
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. (WA)

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-14
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. (WA)

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A subsection2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

A few years back in 2013 my identity was stolen, I was out shopping with my mom for my kids XXXX things and someone swiped my wallet, since then as long as that person knows my date of birth and Social they can pretty much access all my stuff, I filed a report but its still hard to catch this person. Now I cant open a simple account because I am in XXXX. Chase bank offers a second chance account that supposedly doesnt use XXXX. However after trying to apply for that account I found out that it does and it makes an impact on the very XXXX XXXX I am trying to fix. A lot of banking institutions that offer second XXXX banking still use XXXX even though they advertise that they dont. This isnt fair to peopl that are trying to fix their lives.
Consumer complaint received 2018-12-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

I received a foreclosure letter several months ago in XXXX. It was showing missed payments but not on correct dates. After finally figuring this out through my lawyer, the payments were caught up to date and the payment went directly through the law firm so there was a definite payoff trail. In a letter dated, XX/XX/XXXX it is stating we know have a forecloser date of XX/XX/XXXX stating again, the old amount and saying there has been no payment since. I have the payoff that my lawyer sent directly as well as every cleared check for each month after. 

Before, we were on autopay and never had this problem. As soon as we filed bankruptcy they canceled that even though no other company did. This was simply an opportunity for this company to hope we defaulted due to our perfect auto debit record so they could take advantage. 

I would appreciate, as I have already told this company, to have my auto debit reinstated and my account open to me. If my account can not be accessed, how am I suppose to know what has been paid and when it cleared. Closing access to my account due to bankruptcy that does not even affect this company is absurd. They are only trying to take advantage of a hard situation. 

Attached is the payoff in XXXX as well as the additional three payments the company is claiming I missed. You can clearly see all payments are made and have cleared my bank.
Consumer complaint received 2018-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN HONDA FINANCE CORP (NY)

American Honda Finance Corporation mailed me a check from a settled claim between XX/XX/XXXX and XX/XX/XXXX. 
The check however, was mailed to my old address and I was not made aware of it until after the check was void. 
I contacted AHFC about this issue and they claimed that it was too late to reissue the check. 
I am currently in possession of the original check.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting act XXXX Account name and account numbers 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 2022-06-14
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. (WA)

In accordance with the fair credit reporting act XXXX account number XXXX Bank Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXX and XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.