davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX  # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (FL)

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

my mother while I was in the military starting from XX/XX/18 took out 2 credit cards in my name using my social security number. I was unaware of these cards until the banks said that the accounts were closed due to inactivity and no payments were being made on the cards. the amounts were around XXXX on each card which but I am unable to look at the amounts since both accounts are closed now and the debt is still in my name. And now is on my credit report. the company were bank of America and XXXX card.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, On XX/XX/2021, I reported a few ACH transactions on my Chase checking account number XXXX as unauthroized. Please see attached, the fraud claim form that I was asked to fill, and send back, which was received by the bank on XX/XX/2021. The transactions were done by XXXX, which I have NEVER had an account with, or have done business with. 

On XX/XX/2021, after I filed my claim, I was then connected to another agent from the fraud department. He restricted my checking account, so that fraudulent activity could no longer continue. He informed me that the account has been blocked, it will be closed down, and I would need to go to a Chase branch with 2 pieces of ID to open a new account. 

I have not yet had the chance to go to a branch in person, and open a new account, due to a busy schedule, and traveling. However, as of today, XX/XX/2021, I noticed my checking account ending in XXXX has been completely closed down, and I can no longer view it online. I have contacted the Chase claims department multiple times over the past few days, and all I have been told is that my claim is pending approval by the back-office for the temporary credits to be posted onto the account. 

It is important to note that prior to the unauthorized activities that took place on my checking account, the available balance was {$86000.00}. 

Since I can no longer view any of the activities occurring on my checking account ending in XXXX online, I am very concerned about my money, where it is going, and how I can regain access to the funds that have been stolen from me I, hereby, request Chase bank to issue credit ASAP for the unauthorized ACH transactions that have taken place on my account, and since the account is closed, and I, no longer, have access to it, send me a check, for the entire balance of my account, prior to all these fraudulent ACH transfers taking place, to my mailing address on file : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX. 

Please make sure that I receive this check via expedited mail with a tracking number, and signature delivery, so that it does not get lost in the mail. Please provide me immediate access to my funds. 

Thank you for your time and consideration. 

-XXXX XXXX XXXX Account # XXXX Debit Card # XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an Unauthorized inquiry on my Transunion credit profile. I submitted FTC report and all necessary identification and it is still on my credit report. the Unauthorized inquiry is from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (IN)

In XXXX of 2020 my children and I tested positive for XXXX. I missed quite a bit of work and needed money fast to cover bills. I unfortunately came across a website for Majestic Lake Financial. The interest was high but I was desperate and the appeal was I would have the money the next day. I borrowed {$1100.00} from them. They have been deducting payments bi weekly directly from my bank account since XXXX. I mentioned this to my boss and he did some research and found that this type of loan is illegal in the State of Indiana. Indiana has a cap on interest rates of 71 %. They are charging me 528.0063 % for 8 months. I have already paid them {$1500.00} to date. I am not looking to receive any money back. I borrowed the money and I am responsible for paying it back, however they're charging me 528.0063 % interest which I am seeing now is illegal. I have more than paid the loan back. I have paid the principal and well above the legal amount of interest. I am looking for some clarification of my rights in this matter. Thank you for your time.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander bank keeps reporting to the credit bureau that I am late with my monthly payment. I reported Santander bank to the credit bureau two different times. Santander fixed it both times, but I never was made whole because the points I received after fixing their mistake were far less than what was taken from me. Santander bank recently reported a third time that I am late with my payment. My credit score in the past was in the XXXX range and I worked very hard to get my score above XXXX only to have Santander bank report falsely that I have been late three separate times. XX/XX/XXXX is the first time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is the second time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is their latest mistake and they falsely reported that I was late and my score dropped XXXX points. Please make them stop.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Social security # XXXX Good morning I have a little over two weeks of trying to get a new card issued for my unemployment benefits and have already fax all the information that was requested from me such as identification and proof of residency. Ive called Reliacard services and no one has helped me fix my address so that I can get a new card issued. I keep getting transfer over and over and I do not mind the wait time If only I was getting the assistant that I need. Ive tried calling different numbers and I cant get any help my benefits for unemployment have already been issued to the Prepaid Reliacard. My rent is coming up and I am having a bit of anxiety that I cant get a card sent to my correct address.
Consumer complaint received 2020-11-04
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. (SC)

I got a new credit card from Chase with Marriott XXXX XXXX that promised XXXX points if {$5000.00} were placed on the card within the first 3 months. Due to COVID-19, and having to cancel all my trips and plane tickets, I called Chase company and the customer service person said that I was a couple of hundred $ 's short, but not to worry since Chase has extended the period by another 3 months to meet the {$5000.00} limit. I am sure they recorded this call.

So, I did that. In fact I put {$10000.00} in purchases in the card. I called them today to ask why there are no points added to the card yet after so many months, and they said they applied for the extension, but it was rejected. So no points and there is no chance of ever getting those points. 
What?? On the phone they said everyone gets the extension, there was no talk about waiting for approval. I feel cheated. If I knew I would have thrown this card in a drawer and use my other ones. Any advice what to do next? The person on the phone said there is no one else she can transfer me to to complain. It is a done deal.
Consumer complaint received 2022-11-03
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. (IL)

In accordance with the Fair Credit Reporting Act this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. ; XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX. Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX XXXX XXXX Account # has violated my rights. ; 15 USC 1681 Section 602 It states I have a right to privacy.

15USC 1681 Section 604 A Section 2 its also states a comsumer reporting agency can not furbishaccount without my written instruction.

15USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than crimes which antedate the report by more than seven years.

15USC 1681s 2 ( A ) ( 1 ) states a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable causeto believe that the information is inaccurate.
Consumer complaint received 2022-11-03
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (MO)

I closed the American Express credit card after being an good customer for numerous years. They continued to charge me an annual fee of {$500.00}, interest charges, and legal fees ( approximately {$1400.00} ). 

American Express representatives harassed me, my brother, my parents, former coworkers, and friends on a daily ( and sometimes hourly basis ) even after they were told on numerous occasions not to contact people about my personal financial issues. They would tell these people they were attempting to collect a debt and leave long voicemail messages when people would not answer. 

Then, they filed a court case against me for their own administration and legal fees.
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. (NC)

I have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the XXXX  about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an XXXX report for identity theft.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (IL)

I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

I received a letter in the mail with an attached US Bank Cash+ Visa Signature Card that was stated to replace my current US Bank Visa Platinum card. My current card does not expire until XX/XX/XXXX. The wording on the top of the letter states : " Congratulations, your account has been upgraded to a new U.S. Bank Cash+ Visa Signature Card . '' For clarity, I intentionally do not carry a rewards card as I am familiar with interchange fees and try to consider my small, local businesses whenever possible. I am also employed by, and work very closely with, a small business owner. I see exactly how much extra money goes out due to processing rewards cards vs. regular credit cards. 

When I called US Bank to figure out what was happening, I got several responses ranging from " Your current card is no longer offered '' ( It is currently advertised on their website ) to " We do automatic upgrades for cards that have been inactive for 2-5 months '' ( My last activity on the card was a purchase on XX/XX/XXXX for {$970.00}, a purchase on XX/XX/XXXX for {$94.00}, and a purchase on XX/XX/XXXX for {$67.00}. These were all paid off within two weeks of the purchase date and none fulfill the claim of 2-5 months of inactivity. 

When I asked if I could simply not use the new card for the reasons stated above, I was told that the change affected the account and not the card itself. So, while I received no communication, submitted no request, and gave no approval or permission, my current card was changed to a rewards card in early XXXX. When I asked them to simply change it back, I was told that it wasn't possible to change back, and I would have to close the account and re-apply. I was later told by the manager at the call center that the product services department usually ran offers 2-3 months after automatic upgrade campaigns to downgrade cards back to their original status. I was also told by the same manager that the campaign affected around 5200 customers after being told by a previous employee that it affected 52,244 customers. When I pressed to get in touch with someone who could change my account status I was told that no one above her takes calls from customers and that I was free to fax or write them my questions/requests. 

I felt like this situation was relatively ridiculous considering my end goal was simply to keep the card I had. When looked at ethically, it becomes more questionable on the larger scale. It is reminiscent of the XXXX XXXX scandal in recent memory. Especially when you consider the lack of communication or input from the customer side.
Consumer complaint received 2021-04-09
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: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank is saying that I owe on a loan that I never took out this loan was opened when I was XXXX on a XXXX XXXX for over a year I never signed or opened a loan at regions Bank regions Bank can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking regions Bank to court and Sue them for my lawyer fees and my light detector test regions bank has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make regions Bank pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which regions Bank will have to pay my lawyer fees and for the lie detector test result I present in court
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc. (CA)

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from MONARCH RECOVERY MANAGEMENT , INC . MONARCH RECOVERY MANAGEMENT, INC has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). MONARCH RECOVERY MANAGEMENT, INC has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). MONARCH RECOVERY MANAGEMENT, INC conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. MONARCH RECOVERY MANAGEMENT, INC has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). MONARCH RECOVERY MANAGEMENT, INC has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified MONARCH RECOVERY MANAGEMENT, INC in writing that I refuse to pay the alleged debt and wish MONARCH RECOVERY MANAGEMENT, INC to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since MONARCH RECOVERY MANAGEMENT, INC has failed to comply with provisions of 15 usc 1692 MONARCH RECOVERY MANAGEMENT, INC is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).