davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Delinquent account — 
Company: URS Holding, LLC (NY)

On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

During the summer of 2014 I entered in to a payment agreement with Citi for the resolution of my Sears credit card. I set up an automatic payment of {$74.00} a month, and they locked my interest rate at 9.9 %, and closed the card to new charges. My {$74.00} payment has never been late, but Citi has been reporting my account as late for the last 30 months.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08.

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice. XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, Customers bank filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

XXXX Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have would like to bring to your attention A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2023-04-17
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. (TX)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX 's discretion. If my information would have never been " hacked '' or " breached '' by XXXX   I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
Consumer complaint received 2017-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Fifth third bank has been calling my company paid for and provided cell phone for over a month using a computer. I have stayed on the line multiple times to let them know that they have the wrong number. Now they are calling with alive person. I think they are trying to collect from a XXXX XXXX. I told them I 'm not this person and that they have the wrong number. Their collectors will not identify themselves and will not tell me where they are calling from. This is a fdcpa violation. 

They keep calling even after I have told them wrong number XXXX
Consumer complaint received 2023-04-17
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. (KY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX 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 2022-08-09
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. (NY)

My identity was stolen and submitted all the documents needed to remove the account. It's been a few months I contacted Transunion and they still are reporting the account. 
Account number : XXXX Account Name : XXXX Amount : {$10000.00} According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2015-10-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (PA)

For the XXXX 2015 payment, I sent a check to GM Financial. Twenty-four days latter the check still was not cashed. I put a stop payment on it with my bank which cost XXXX dollars. 
I then sent out another check to GM Financial. The account is current and five months have passed. After five months, I still see this as outstanding on my credit reports. Like its some type of retaliation by GF Financial.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (MD)

There is a collection notice from the National Services Bureau XXXX Inc. on my XXXX report for a sum of {$86.00} on XXXX/XXXX/XXXX. I called both XXXX and the National Services Collection Agency to inquire about this. The XXXX agency referred me to the National Services Agency and they said it was related to an unpaid bill of {$86.00} to a XXXX XXXX XXXX, PA in XXXX. I called the National Services agency and they told me that something looked wrong and they would get back with me, they never did even after I followed up with an email. I have not lived in XXXX XXXX, PA since XXXX XXXX. I never took any animal to this XXXX after moving to XXXX, Maryland. I also never received any bills, statements or collection notices prior to this notice on my Credit Report. If not for XXXX XXXX, I would not have known it was even on my report. I want to lodge a formal dispute on this collections agency. Thanks, XXXX XXXX Here 's the excerpt from the report : hese are the collections accounts that are reported as open on your credit report : Agency Open XXXX BalanceNATIONAL SER {$860.00} account reported on XXXX XXXX, XXXX OpenAccount # XXXX $ XXXX XXXX INOriginal Creditor $ XXXX BalanceJul XXXX, XXXX DateJun XXXX, XXXX ReportedJointResponsibilityPlaced for collectionRemarksNote
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (IL)

I have Auto Loan with Wells Fargo Dealer Services and I have been paying on the loan for 2 years and making more than the min payment for 90 % of all payments made and they are not applying the extra to the principal as I have requested. I have called several times and they are not making the notes on my account. With every payment I call and they advise that I need to wait until that next payment posts to the account. 
This is allowing Wells Fargo Dealer Service to collect more interest and I currently have XXXX sitting in a Suspense account not being applied but being used to reduce the next payment due.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (PA)

I have been getting calls for months from a company called receivable performance management. They are calling to retrieve a debt for someone I do n't even know. I have told them many times to remove my number and do not call anymore. They said they would but continue to call many times everyday. They are very rude and usually hang up on me when I try to explain the situation.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

I was giving Wilshire Credit my payments and they send it back to me they made me now delinquent and took my car I, have proof they did that XXXX months in a row not, only that XXXX would call me XXXX times a day harassing me for the money I, spoke with XXXX the supervisor and still did n't have any answers or how we can fix this.
Consumer complaint received 2023-04-17
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. (TX)

When I review my updated credit report, I see that some of my accounts were erroneous. Experian and XXXX are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-27
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: Penn Credit Corporation (PA)

when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX XXXX discretion. If my information would have never been " hacked '' or " breached '' by XXXX I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told " we do n't have control over the Postal Service ''.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

I have used Chase Credit Card check for 3 % interest last year. I remember that I need to pay in full in XXXX, 2016. So I paid in full much early than due date Chase specified. But I still being charged for interest {$96.00} at interest rate 15.49 %. I am a very careful small business person. But I have still been tricked by these Cunning bankers. Banks and their politicians would like to get rid of CFPB so that they can suck our blood dry, these Greedy bunch. No wonder, American Peoples hate them.
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Last year I was solicited for a bumper to bumper warranty product from what turned out to be XXXX different companies that were both charging me for an un necessary warranty on a car I am leasing that has a full factory warranty in place. 
I would like a refund as both companies mis represented the facts to me claiming that I could n't use the other and ended up both charging my credit card. 
I eventually changed the Capital One Card number to avoid additional charges. 

I would like assistance in obtaining refunds from these XXXX companies who I feel turned out to be scam. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ Both companies were charging my card for {$110.00} and {$200.00} for roughly 8 months each. 

They were charging my Capital One Credit Card. 

I am XXXX and my son recommended that I reach out to the CFBP to help me in sorting out this mess. I do take some responsibility for providing my credit card, however I feel they mis represented facts and confused me and I didnt realize I was getting charged by XXXX different companies for many months. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (WA)

When purchasing books from Amazon.com, I was invited online to receive a Chase XXXX card, which would be used for this and subsequent Amazon.com purchases. After purchasing about XXXX items, I just received my first Chase XXXX statement on XXXX XXXX, 2016, which charged {$52.00} in late fees and {$4.00} interest. I called Chase Bank to explain and authorized my Amazon.com purchases to be paid from my online personal bank account. Chase, however, would not waive all late fees & interest. I then asked that Case close this XXXX account. However, since I did not receive any previous billings, I ask the regulatory agency to protect my credit reporting status and ask that late fees & interest be credited. I want to be responsible with credit purchases, but also think the issuing bank should be accountable. Thank you. XXXX
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (KS)

We have been trying to sell our home via short sale through CHASE HOME FINANCE. We submitted an offer to CHASE on XXXX XXXX, 2015. To this day, we have gotten no answers, just paperwork that is pushed around from office to office. The short sale was initially denied, we submitted an appeal and have yet to hear anything. This has happened on multiple occasions. We submit paperwork, they say they are working on it, and then I get a letter saying the paperwork is too old and to resubmit. 
We spoke with a representative on XXXX/XXXX/15, explaining the error in the expenses portion of our RMA. Never once did she advise us to resubmit a new XXXX. I assumed per our conversation, this was being taken care of. I advised her that the offer on the home expires on XXXX/XXXX/15. She said it should take but 7-10 days. I received a letter in the mail dated XXXX XXXX, 2015, saying they were investigating the question and they would get back to us. Is n't there a reasonable time frame in which things should be accomplished? The offer was submitted to CHASE on XXXX XXXX, 2015. Here we are 7 months later and still keep receiving letters saying the paperwork is incorrect or expired. Please help. This is absolute craziness. No one ever does any actual work at CHASE. The file just sits there and no one seems to care. This is our livelihood. We have done everything CHASE has asked of us and feel they owe us some kind of due diligence in the very least. 

This is the only offer to come in on the house in 16 months. If this falls through, our house will be foreclosed. That is totally unfair because we did absolutely everything that was asked of us and CHASE did not provide proper customer service.