davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MT)

Chase Bank has a promotional offer called " My Chase Plan '' which allows you to pay off large purchase over a period of time at 0 % APR. After making a substantial purchase ( {$3400.00} ) which posted to my account, I clicked on the create a plan tab on the website for my Chase account which directed me to the " start a plan '' option. When I wanted to start a plan, it did not show that purchase as being eligible. Per their guidelines of current purchase being over {$100.00}, it should have been eligible. After several messages back and forth with Chase 's credit card specialists, none of them could tell me specifically why that purchase was ineligible, furthermore there is nothing stating pre-purchase which may or may not be eligible until after you made the actual purchase. The fact that they could not tell me exactly why the purchase was ineligible other than " the purchase can be ineligible for various reasons '' and that the " My Chase Plan '' was clearly available to me since the click to start a plan was an option on the Chase website for my account is purely a bait and switch scam.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 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 2022-06-28
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: Professional Recovery Management (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-22
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. (IL)

I have no business with XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NC)

Sometime in XXXX or XXXX this derogatory remark of this company appeared on my credit showing that I owe XXXX from a company name Hunter Warfield and creditor name XXXXXXXX XXXX XXXX 
I tried to dispute this over and over again for the last few years but nothing was ever done XXXX XXXX XXXX. 
I called this creditor on XX/XX/XXXX to address the issue and what to do about getting this off my credit report. They instructed me to file a police report and notarized affidavit along with 2 forms of I.D . 
This is not my debt and a fraud attempt someone has used in my name.
Consumer complaint received 2021-11-02
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. (PA)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (FL)

My XXXX XXXX daughters, ages XXXX and XXXX received " Your Dispute Results '' letters from Experian dated XX/XX/XXXX, XXXX. Neither of these daughters has ever submitted a dispute as stated in the letters. Neither did either daughter request a credit report as also stated within Experian 's letters to them. In addition, I long ago directed that Experian Credit Locks be placed on these XXXX  accounts. Your immediate attention to this apparent fraudulent activity is requested. Efforts to contact Experian as directed through their web site have failed.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the Capital one contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. My account was paid and the agents still call me. 

Acct # XXXX Acct # XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

I was a victim of a series of multiple attempts of fraud using my identity that followed an armed robbery on XX/XX/2022. A hard inquiry from SyncB/JCPenney appeared on my credit report, to which I made several calls to the company to get information on an attempt to create an account using my credentials. Though I was able to retrieve an associated address over the phone, I have since been unable to retrieve a hard copy, even after the detective in my case made a call himself. I was told to write a letter to a given po box to address the issue, but I have had trouble getting an update on the matter over the phone and I have not been able to verify if I will be receiving my requested documents. The detective is requesting hard proof of the said address and other information involved in the fraudulent attempt to create an account via SyncB/JCPenney.This information is needed to identify a potential suspect who was involved in the armed robbery.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

My name is XXXX XXXX I just think my mom and her friends are using dark web to get into my account My transactions include XXXX cable and mobile dont want her locked up or nothing just want help to get out this situation its been happening since I was young. Things start looking good then outta know where alot of switching im not perfect by any means but I've worked for mines I want her to have her own not mines.
Consumer complaint received 2023-03-10
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-13
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. (PA)

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX  and experian..this account has obviously been reaged another violation
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (PA)

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX  and XXXX..this account has obviously been reaged another violation
Consumer complaint received 2022-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

Per my agreement I agreed to my account being charged weekly on my payday which is ( Fridays ). Since the 1st payment they have not charged my accounts on the correct day. I had payments taken out the immediate ( Monday ) before my payment was due from my checking account originally. They caused me 2 NSF fees attempting to draft from my account on ( Monday ) instead of taking the allowed payment ( Friday ), as per the agreement. I moved the payment to a secondary account for my debt card to be charged, and had a billing rep move my due date to ( Saturday ). cima has tried to withdraw 2 payments from my account Monday XX/XX/22 & Tuesday XX/XX/22 which were not on the scheduled date. I spoke with a Supervisor at cima and had them remove automatic payments and any other accounts or debit cards from the account before they made anymore payment attempts not on the agreed day. After removing automatic payments a week ago the tried again to charge my account on XX/XX/22 a day that was not my agreed upon due date. cima is now trying to charge me a NSF fee and late charge for them once again not withdrawing from my account on the agreed upon day which should be Saturday.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

In my last statement from JCPenney dated XX/XX/2021, I notice a late fee of $ XXXX.I called the company customer service department and spoke with one of their agents. I explained that my due date was the XXXX of the month and I had paid the bill on the first of the month through my Bank. I was told that the payment had been received on the XXXX of the month and had been applied to the previous month of XXXX. I had paid the XXXX bill the first of the month so it was not due, in any case, the agent told me that since the payment had come in after the XXXX I was being charged the {$38.00} for the previous month and my next payment was due on the XXXX of XXXX. He then decided that he would wave the & XXXX late fees after he could not explain to me how my paying within the time before my closing date but after my due date when a payment was paid before my due date was already on the book. I asked that all my fees that had been charged to my account be applied to my balance and was told they only return fees once a year as a courtesy to customers. I told him that I would be reporting them to the XXXX  and the Federal Government because this could not be legal. I told him I had never been penalized for paying an account early. I also asked about interest charges that are continually being charged on an account that I closed better than a year ago. Was not given an answer.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2022-07-28
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. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (SC)

I had a credit card with Barclay 's Bank Delaware in XXXX, during that time I got XXXX and my wife at the time didn't take care of the responsibilities. The account was closed in XXXX and the balance charged off was {$1400.00}, but I'm being charged {$1900.00}. I recently lost my XXXX XXXX because of this negative mark on my credit report, I've been trying to contact the company for the last 4 days and some foreign guy always answers the phone after me being on hold for almost an hour and then he is no help. I wanted to try to pay off the account and get some conformation, but he refuses to take a payment over the phone and refuses to give me any documentation about trying to correct the issue.He puts me on hold again and says he will transfer me, but I only sit on hold again for another hour just to be transferred again. I'm trying to get this issue resolved ASAP, but I cant get any assistance from this company.
Consumer complaint received 2022-10-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Eye would like to know whos been making payments on Regarding Employees from XXXX XXXX. Department of Education has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the XXXX XXXX Social Security XXXX and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All XXXX XXXX XXXX XXXX With all due respect, This is a big scam because the non affiliated financial institutions which are XXXX, XXXX, and TransUnion are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet XXXX sent an email to XXXX stating congratulations on an 8 month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or congress Member whos a Man and/or Woman?
Consumer complaint received 2022-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.
Consumer complaint received 2022-09-27
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: CITIBANK, N.A. (AZ)

According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2023-04-12
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XX/XX/2021 XXXX XX/XX/2021