davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
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: JPMORGAN CHASE & CO. (IL)

I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX  XXXX, XXXX, XXXX XXXX  and others havent been any help.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Accounts Service Team Inc. (TN)

I contacted Financial Account Services on XXXX/XXXX/XXXX to pay off an account originally through XXXX to XXXX. I was told the account would be deleted on XXXX/XXXX/XXXX. When it was not, I called back and they stated they report on the 1st of every month. 3 weeks later and there is still not a change. I called Financial account services and spoke with XXXX who was very rude and told me I need to figure it out on my own. I asked to speak with someone higher up and was transferred to XXXX in the legal department who told me they do not do deletions and do not have a certain day that report to the credit bureaus, that is done randomly. I believe this to be a lie. I 've never dealt with a company that does not have a specific date they report. A month later, even if that was true, my account is still showing a balance of {$340.00} which is also incorrect.
Consumer complaint received 2017-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (FL)

PayPal Resolution Center ignored their own policies in the determination of a dispute or complaint. I submitted a complaint to PayPal with whom I tried to buy a remote control professional grade bait boat from ( ( Seller info XXXX ) ) copied from the payment page on PayPal name shown. PayPal never gave me any fair chance to prove what actually happened. NOW PayPal is STALLING me from my listed ability by PayPal 's own regulations, that I can file an APPEAL since I do not agree with their seemingly biased decision in favor of the seller. PayPal declared the CASE CLOSED XXXX XXXX, 2017. YET they have NOT officially listed my case as CLOSED. This means I CAN NOT FILE ANY APPEAL. The deadline for my Appeal is XXXX XXXX, 2017. I have less than one week left to file, but am PREVENTED by PayPal. In all that has occurred, it would appear to any reasonably intelligent person that PayPal Resolution or their Complaint departments are NOT treating buyers and seller impartial and with fairness. Seller was allowed to upload images and edited text messages. I was NOT given the same opportunity even after writing and asking how I could submit my images unedited which would PROVE my truthful accounting instead of the fraudulent accounting the seller provided. I 'd hate to think PayPal in any department is compromised and part of International Fraud, but this is exactly how it seems and the only logical explanation for all I have been through. I CAN PROVE EVERY WORD I HAVE WRITTEN IF ONLY GIVEN THE CHANCE. Will you help me before time runs out? XXXX XXXX XXXX XXXX, FL
Consumer complaint received 2022-11-17
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 follow items if information any other adverse item of information, other than the 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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-04
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CR XXXX # XXXX 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 2020-07-14
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2021-04-04
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX CR XXXX # XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (PA)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that 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 late payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2021-04-04
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. (VA)

Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both XXXX  and Experian and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.
Consumer complaint received 2024-03-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I received a bill from PennyMac for XX/XX/year> for {$730.00} and I payed {$730.00} Which is in suspense and as of this billing to day it is still in suspense. The amount I should have been billed by the company was {$760.00}. On XXXX. XXXX I payed {$820.00}. XXXX, which was the {$760.00} for XXXX. {$33.00} owed for XXXX. {$23.00} Late fee for a total of {$820.00}. This not the only problem I have been having with this company about my loan. They have never returned the funds that have been my Escrow account after the insurance and taxes have been payed, which amounts in {$100.00} 's of dollars over the period tht they have this loan after buying it from XXXX of XXXX.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

LexisNexis has a phone number from 10 years ago. I have been calling since XX/XX/2019 to get it updated to no avail. I don't understand why they will not make any updates.
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX  and Transunion should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-11-04
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. (CA)

On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from navient removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact navient and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (VA)

I have already paid the debt for Onemain although they will not update balance on my credit. Paid in full on XX/XX/2020. 

XXXX will not update credit with Onemain and XXXX XXXX XXXX with correct balance. 

XXXX removed old pay off debt and reduced my credit score instead of raising the score up.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P. (TX)

This collection agency is trying to collect a debt for XXXX and XX/XX/XXXX, I contacted them to see why I never received a final bill nor did I receive anything from the collection agency prior to reporting the account to my credit report.  The original customer service agent stated they mailed me all of this and gave me dates and the address it was mailed to but those statements are 100% false because I was living at the address during the time frame she stated the letters where mailed.  I got extremely frustrated and upset when she told me that I need to just pay the debt I owe and pay my bills and then this stuff wouldn't happen.  I ended up hanging up the phone and calling back to get a different representative who then stated that the letters where mailed to me but they were returned to sender as undeliverable.  It's my understanding that if the mail is returned to sender then they can't just take it upon themselves to report it knowing that I was never appropriately notified nor given the opportunity to rectify the account.  I then spoke to a manager that AGREED the debt shouldn't be on my credit and because it was already so late in the afternoon and they where closing, she gave me her name and told me to call  back the next day and she would take care of it. When I called back the next day, it was an act of congress to get the same supervisor on the phone an dwhen I spoke to her she acted as if she had no clue what I was talking about.   XXXX I reminded her of our XXXX hour conversation, she then stated she was going to get with her manager about the rude comments fromt eh original customer representative and she was also going to get with him about removing he account and starting over to follow the laws put into place to prevent things like this from happening.  On top of all of this I requested  validation that the debt was even mine because the rediculous amount of XXXX is what was claimed that was owed and my bill never exceeded XXXX a month.  Obviously if you don't pay, they disconnect your electricity, they don't let you go XXXX months without paying.  Once the supervisor got her supervisor on the phone, she then denied ever telling me anything that she did and said her manager said their was nothing that could be done and even though the mail was returned they weren't deleting it and I just needed to pay it.  Their are laws for a reason but when they aren't required to follow them what is the point in even having them.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

My personal credit was affected by 30 points because of a 30 day late payment which I was not aware of. 

This lease is a company lease and all notices are send to our company address. the dealer had a bad phone number on the account for our company. We never received a late notice by mail nor did we receive any phone call. We did not supply them with that phone number. The dealer may have gotten it off of an old website listing. That number has not been operational since 2014 when we moved to our current address. 

The finance company claims they made calls to my residence but since I have a block on auto-dialers, the phone will not even ring to my residence. They claim they made manual calls but I know this to be untrue. If a call had been received at my residence I would have addressed it promptly. Also, we received no written notices to our business They reported this on my personal credit report as 30 days delinquent but since I received no notification personally I was unaware of the delinquency. This is a corporate debt which I guarantee and I believe that the 30 day delinquency should be removed since they only use dialers to contact people and I was never spoken with or given the ability to pay by phone. 


They never sent any notification to my personal residence either.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

In accordance with the Fair Credit Reporting Act and the FDCPA this debt collector LVNV FUNDING LLC 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 states a consumer reporting agency can not furnish an account without my written instructions. 

A debt collector furnishing an alleged debt to my consumer report as an mean 's of coercing you to pay an alleged debt is extortion. Collection of extensions of credit by extortionate means is a violation of 18 U.S.C. 894 and also carries a criminal liability. 

Under the FDCPA, debt collector was required by New Jerseys Consumer Financing Licensing Act ( NJCFLA ) to be licensed as a consumer lender in my respective state this Debt collector Isn't allowed to operate in the state of New Jersey. 

Moreover, According to the FDCPA I'm clearly entitled to XXXX dollars per violation.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: COMMERCE BANK (MO)

According to the consumer finance Non-sufficient funds ( NSF ) fees An NSF or non-sufficient funds fee may occur when your check or electronic authorization is not paid due to a lack of funds in your account. This is commonly referred to as a returned or bounced check. 


I am charged at least 7 times a month for nsf on transactions. They pay for my transactions thru debt because I have money in the account at that moment but when pending stuff comes thru it goes negative and charges my account nsf fees even though the debit card paid for that transaction. They are not charging me overdraft fees. By law this is unfair practice
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I had a fraudulent charge on my credit card so I reported it. Chase cancelled my card and sent me a new one. Chase then determined I made the charge somehow. I never received the new card. Chase texted me saying a purchase was attempted at XXXX on my new card and they thought it might be fraud. I said it was because I never even received or activated the new card. Chase took one of the purchases from target off but left the other one on my account. I disputed it and they said after their investigation they determined I was liable for the charges. I disputed the charge again, telling them I never received the card or activated. They said the investigated again and determined I was liable. I now have a {$350.00} charge from XXXX that they are making me pay and a {$8.00} monthly charge from XXXX that I have no idea where it came from. I dont even use this credit card. It hadnt been used is XX/XX/2021.
Consumer complaint received 2022-02-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX