davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX {$14000.00} also Account XXXX XXXX  {$18000.00} also Account XXXX XXXX {$16000.00}, 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 2022-11-23
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. (WA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : XXXX  XXXX XXXX XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : JPMCB Card Services- {$4600.00} and {$3800.00} -Company 3 : XXXX XXXX {$1000.00} -Company 4 : XXXX XXXX- {$1600.00} - Company 5 : XXXX XXXX XXXX {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (NM)

Ally Financial is guilty of the following federal crimes : Violation of 15 USC 1681 Violation of 15 USC 1692b. ( 2 ) Violation of 15 USC 1692d.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2017-01-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (FL)

In recent review of my credit reports from the XXXX major credit agencies, I see that XXXX different creditors are reporting the same account. I request a total deletion under the FCRA, according to my understanding of the Fair Credit Reporting Act, their duty as creditors is a to accurately report all accounts and to correct any and all mistakes as found by their accounting department or by myself as a the consumer. I thank you in advance for upholding the federal law as indicated by FCRA, and removing these accounts immediately. 

XXXX / XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX account # XXXX Midland Credit Managemnet XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I had a checking and savings account with HSBC. I am in the XXXX and had direct deposit go into those accounts. While I was XXXX overseas for the XXXX, someone used my debit card and made many transactions in stores and online. Once I found out about this I notified my XXXX who told me to notify the bank about the fraud. I called HSBC bank and reported the transactions which totaled over {$3200.00} of my hard earned money gone. I waited for some type of credit to my account so I could pay my bills. Three days after HSBC stated they would not be able to approve the claim. They did not even bother to investigating it. I was devastated and in shock because I really worked hard to save that money. Not only did they not investigate but they also notified the branch manager of the location that i opened my account to close it once my funds were depleted because my account was a victim of unauthorized transactions.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (NC)

Carvana is using consumers desperation to force them into paying high down payments. Any down payment is a violation of the truth in lending act 15 USC 1605a & 15 USC 1662. Pursuant to 15 USC 1602 of the truth in lending act, a consumer can regularly extend credit, since I refuse to violate consumer law my extension of credit is being denied which is a violation of the Equal Credit Opportunity Act 15 USC 1691. Violations of truth in lending carry both civil penalties and criminal charges, I have every intention of filing similar complaints with the state and the federal attorney generals office.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed. 

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

Thank you.
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMB, Inc. (NJ)

RMB Inc., XXXX XXXX XXXX XXXX, XXXX, TN XXXX, telephone number XXXX is attempting to collect a debt for client XXXX XXXX XXXX when I am making payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX for all of my open accounts. I am Social Security XXXX recipient and under medicare.
Consumer complaint received 2022-11-23
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: GOLDMAN SACHS BANK USA (MN)

This complaint is in addition to the previous one # XXXX I bought TWO XXXX  XXXX but was double charged and another charge on the statement I dont recognize. 

Attached is the screenshot of the long explanation, correctly explained and I have circled in red where the problems are. At this point I can tell there are a few capable person available to work at Apple Card. 

In the attached screenshots, taken from the Apple Card explanation, there were TWO charges of {$2000.00} and {$2000.00}. This is where the mistake is. I bought TWO XXXX  XXXX at the price of {$990.00} each. So TWO iPhones should costs {$990.00} x 2 = {$1900.00}. Plus taxes it would added up to {$2000.00}. So the charge of {$2000.00} on the Apple Card would be correct ; but there are TWO charges of {$2000.00} instead of one. And who authorizes the charge of {$2000.00}? For what? MAY I KNOW?
Consumer complaint received 2022-01-04
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. (NY)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCES, COERCION OR FORCE FROM ANT THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2022-11-23
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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. (TX)

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. 

XXXX account number # XXXX, XXXX XXXX  account number XXXX XXXX XXXX account number XXXX, XXXX account numbers XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX XXXX # XXXX 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 2022-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I placed my debt with debt management company for a Citibank debt, and they are still reporting that I owe them. However, refuse to provide debt validation report on all the payments made to the account. I spoke with agent # XXXX to resolve this issue, but she refuse to assist me. I ask to speak with a supervisor and refused helped or a connection to speak with a supervisor.
Consumer complaint received 2018-05-28
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. (KY)

XXXX XXXX continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with Equifax since XX/XX/XXXX. Equifax states that XXXX XXXX XXXX continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it
Consumer complaint received 2015-08-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center (GA)

Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (NC)

In XXXX I left a company, and several months later a collection agency contacted me stating that I owed {$26000.00}. After several months and years of contact, no contact, could n't figure out where the debt sat, I was served with a lawsuit in XXXX XXXX. However, I hired a lawyer, he demanded verification of the debt. When we received that, it was a man made excel spreadsheet with many many errors, including duplicate charges with different amounts, overlapping charges, as well as the amounts did not sync with their claims. It was eventually taken before a judge and the judge dismissed the claim in CA court. Now the statutes of limitation has ran out, but they refuse to take it off of my credit report ( they said in XXXX XXXX it was n't on there, but it has been there since XXXX XXXX. ) They keep telling the reporting agencies that instead of resolving this, I need to call them. However, the contact uses very threatening and intimidating language and tactics and I am not comfortable doing so. Even my lawyer was shocked at how aggressive and threatening he was. 
Also, they accessed my credit report without my consent or knowledge.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union froze my accounts due to a late payments. They would make me call them to unfreeze my own account with my own money even if it was a day late. They also withdrew money from my savings account without consent for any overdraft in my checking account. Also when a company tries to withdraw money and there are insufficient funds, navy federal charges XXXX dollars and they do not even bother to charge you. They did that about 3 times for XXXX dollars each time. I do not understand this, I am in the military and having to deal with my account not working while I 'm trying to buy food or personal thing, because it is my money, is absurd.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I had an agreement with Wells Fargo that this was a pay for delete account. I paid in full after charge off but Wells Fargo failed to stick to their end of the bargain and did not delete this account as agreed.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Please investigate these accounts immediately.
Consumer complaint received 2019-12-16
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: MoneyLion Inc. (NC)

On, XX/XX/2019 at XXXX EST, I placed a call to MONEYLION using the number ( XXXX ) XXXX and due to the extended hold times accepted the option for a callback. The call-back came in at XXXX EST, on XX/XX/2019 from ( XXXX ) XXXX, and I spoke to representative named # XXXX. I informed the representative that I had previously attempted to call the company, in order to update my banking information, as I was a victim of Identity theft/fraud, but after holding on the line for well over 45 minutes, I was unable to reach anyone. I then immediately inquired about the account and was told the account was past due, which I was not aware of. 
I inquired about the previous payments and the full payoff amount for the account and was given several different pay-off amounts for the loan. Respectfully, I felt extremely uneasy about the information provided by this representative and requested to speak to a manager. I was told a request would be submitted and to expect a return call within 24-48 hours. I never received a return call from a manager and decided to send a certified debt validation letter ( enclosed in the attachments ) on XX/XX/2019, as the company had reported late payment information to XXXXXXXX XXXX XXXX 
As of today, XX/XX/2019, I have not received any correspondence from MONEYLION. On XX/XX/2019, I made payment for the remaining balance on this account. ( enclosed in the attachments ) However, I was alerted that MONEYLION reported additional unverified negative, late payment information to the credit reporting agencies listed above, further damaging my credit report. MONEYLION is in violation of federal and state crediting reporting laws, i.e. FCRA Section 623 and in addition, has what appears to be intentionally and willfully, defamed my character. Under law these actions may constitute fraud.