davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (VA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRB-40, LLC (ID)

XXXX XXXX XXXX stated they had no debt with me yet XXXX XXXX and Diversified Recovery Bureau are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against XXXX XXXX XXXX the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, being XXXX, XXXX  and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (VA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-07
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)

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX accounts above havrle 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 the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

XX/XX/XXXX my debit card was closed, my online banking was disabled, I called customer service said to call the next day. on XX/XX/XXXX I called the fraud department and they said they would call me back. I did not get any notification that my accounts would be restricted. I was trying to get food on my lunch and I don't have access to my accounts. this is unprofeccional, I have 4 mortgage payments due, my direct deposit from work arrives and I don't have any founds just my credit card. I need this to be resolved and I need someone to give me a call.
Consumer complaint received 2022-07-07
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. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am definitely not ok with this decision as longtime customer and the way I was treated from the beginning was absolutely not kind. Also the fact I was told on Wednesday night my account would remain open if I could bring current. Your one representative treated me so unkind as I spoke to 5 total one being in executive branch. I was also told several different things from different reps and believe that reopening my account should be honored. I plan to continue to take steps and definitely voice how I was treated. You do not treat longtime customers. I guess because I am not a wealthy XXXX  vase doesnt value its customers. I am a mom struggling as is after Covid getting back on feet and live paycheck to paycheck so I guess doesnt meet your standards. I deposited something believeing the person who gave me so instead of punishing them you make my life harder. All of my XXXX  accounts which money has tried to pull my sons XXXX  and everything else in our lives is tied to this account and I just believe in common decency and this is not. I understand you have the right to close and what I read. I also XXXX XXXX XXXX XXXX so I definitely know how it works and maybe you need to train your customer service on all ends to be kind and if they something honor it. I definitely made above and beyond every effort since Wednesday when speaking to representative on phone yo bring my account current to remain open as promised. You rejected my deposits Friday XXXX so then I was advised by an incredibly helpful branch manager to hold off and the XXXX. I made to deposits yesterday and one today XXXX. All rejected so this is absurd. I am not trying to be difficult or unkind myself but after how I was treated I definitely plan in filing a more formal complaint. I do not agree and would appreciate your reopening my account. I am doing this alone and its not easy. How about lifting your customers up and having my back and not pushing me down or making things harder especially for customers 10 plus years. I dont deposit bad checks and never would. I trusted the person who gave it to me and now my life is turned upside down and I am punished. All they got hit with was probably a fee. I am sorry honestly if this is how you choose to treat customers I should want to bank with you but after working for you I also know your better than this and hoping you do bette. 
Thank you XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Was notified by a mediator about being sued for a credit card from XXXX. Florida statues states they can not collect after 7 years. Also did not receive any written notice. this gentleman stated the notice was ignored
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number Is an obligation of the United States In accordance with 18 U.S.C 8 and being that you Eastern Account System of Connecticut INC is attempting to collect a debt from I, the consumer makes you guilty and In violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

Eastern Account System of Connecticut INC is In violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me Into making payments on alleged debt not owed. 
I DID NOT AND DO NOT CONSENT to you Eastern Account System of Connecticut INC furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This ls also a NOTICE exercising my rights to prevent the processing of my personal data by Eastern Account System of Connecticut INC for the account you alleged that i owe. 

Delete the account from my credit report immediately, you have XXXXdays period.
Consumer complaint received 2023-02-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX DEPTEDXXXX DEPTEDXXXX-900000xxxXXXX DEPT OF EDXXXX DEPT OF EDXXXX US DEPARTMENT OF EDUXXXX US DEPARTMENT OF EDUXXXX 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 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 at XXXX, I called Chase Credit Card company to inquire about a credit limit increase for my Chase Amazon Credit Card . I was never informed this would require a hard credit check and would reflect on my credit report. They ran a hard credit inquiry without my authorization. I have requested and received credit limit increases on other credit cards I have prior to this and have never had a new hard inquiry hit my report as a result of a credit limit increase on an already established credit line. I called Chase and spoke to XXXX ( a credit bureau specialist with Chase ) and requested to have the hard inquiry taken off of my credit report as I was unaware that would happen and was not notified of it, therefore it was not authorized by me. He then told me that Chase customer service should have informed me and had failed to do so when I spoke to them. However, he said he could not reverse the hard inquiry because it didnt qualify. I feel as though I was taken advantage of and that Chase knowingly did not inform me of this procedure and blindly took it upon themselves without my personal authorization to run a hard credit check on my behalf. I would like this immediately removed from my credit report and would like Chase to take responsibility for their actions.
Consumer complaint received 2022-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received an email from Capital One, checking on a duplicate charge. 
I called the number from the back of my credit card, but I switched the digits, and was connected to someone pretending to be Capital One. 
The number I wanted to dial was XXXX, but when I re-checked it, I had pulled part of the international number from the back of the card. I dialed XXXX instead. ( the XXXX  number on the back of my card is XXXX ) At XXXX, XXXX answered, and told me that the call was being recorded, and suggested a new number XXXX to use in the future. I did not like that answer, and began to be suspicious, but continued to confirm my card information. 
I then hung up on him. But shortly after that, I also received another email from Capital One checking if I had made a purchase. I had not. So I called XXXX at XXXX and spoke with XXXX XXXX She told me that she couldn't do anything right now because their systems are down. I was to call again later. 
I just called again and this time spoke to XXXX at XXXX in the Fraud dept for Capital One. I have told this same story, and asked to cancel this card immediately and please to reissue a new card because I think that I compromised this account. He agreed, and has begun this process. 

I wanted to report the XXXX phone number as fraudulent and hope that you could address this for others.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. This account does not belong to me please remove 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 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (PA)

I sent PNC credit the following on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unit XXXX XXXX PA XXXX PNC Consumer Credit Bureau Investigations XXXX XXXX XXXX XXXX, OH XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX and XXXX regarding me being an authorized user on the account of deceased XXXX XXXX ( credit card XXXX XXXX XXXX XXXX ). I have circled the items I dispute on the attached copy of my credit report. 

This item- XXXX XXXX as an authorized user on credit card under XXXX XXXX XXXX card XXXX XXXX XXXX XXXX ) is inaccurate because she is deceased and the card should be currently closed. I am requesting that PNC have the item removed and to immediately stop reporting to XXXX XXXX credit file. Any debts she has should be filed through her estate. 

[ It is showing on my profile that the account is active and debt is owed. which is bringing down my score significantly. She passed away XXXX of last year. ]
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MD)

Buy Now Pay Later loan would Prove to be Unmanageable. 

Was approved for an Affirm, buy now pay later loan through XXXX 's checkout as a option to pay for {$100.00} order successfully placed on XX/XX/22. 

I was welcomed into the Affirm family of products and service where transparency, flexibility, and fairness is key to their brand and mission. https : //www.affirm.com/how-it-works/why-affirm. 

Received a friendly reminder notice in my inbox on XX/XX/22 informing me of my first payment date. 

Displayed in the body of message was the current payment amount, due date, and the only time I would see a remaining balance associated with this loan. 

To accomplish most if not all tasks on Affirms products and services online will require logging into an established account to manage your loan, request documentation, or respond to support request. 

I was not able to setup my account due to complication in Affirm 's account records. 

A call to Customer Support at XXXX XXXX ( the only number that is available to contact Affirm ) on XX/XX/22. 
I was told that the account connected to my loan was under the name and number of a different party. They would not offer details on the account beyond that. 

Customer service would only offer to escalate my request to the next level and make a promise to me a for a call back within 3-5 business days once a solution was found. I would never received that or any call from Affirm ( for anything ).

I made my next 4 payments on time and in full over the phone with Customer Service. Each time spending hours on the phone with customer service getting nowhere. 

I made a request for help setting up an account to manage my loans, asked for receipts, loan balances and due dates to be sent to my addresses at each conversation. 

I never received a call, statement, payment receipt, loan balance or payment schedule for this loan. I was never granted access to an account to manage my loan or offered a resolution for my many support request. 

Affirm failed to be transparent, fixable and fair on all matters associated with this loan.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX  account they also open a XXXX leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Consumer complaint received 2022-07-07
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. (IL)

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a XXXX  leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and Equifax with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith