davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have checked my credit report that the account from XXXX XXXX ( Acct:XXXX  ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " Lease-End Liability Invoice '' " up to 30-45 days after your vehicle has been returned '' XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for four months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (FL)

I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. 3 or 4 other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AIH Receivables Management Inc. (MO)

See original complaint : AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself. 


I originally submitted this complaint and AIH came back saying I was lying despite the fact I have the call logs to prove this. They sent a snarky message back. Here was my response, which I am sure they have ignored : Their claims are wildly inaccurate. They called a place I haven't worked at for SIX years. Again, this is a startup type company that is incredibly reliant on keeping the lines open for actually relevant calls. They called over 10 times and I would gladly pull the receipts on those calls if this complaint can move forward. They clearly called this place multiple times without a response, which is against the law, especially considering NOTHING on my account that was supposedly forwarded to them listed that place of employment or that phone number. They went fishing for a relative, found one, and harassed them. 

AIH is in violation of the FDCPA and they should be reprimanded for doing so. Their harassing way of action and lack of understanding of who they can contact and how many calls they may make is egregious and damaging to my father 's business.
Consumer complaint received 2023-01-05
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( multiple entries ), XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX ( multiple entries ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have all violated me 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 an 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MA)

I have noticed a hard inquiry from CBNA. From XX/XX/year>. I am not aware of this at all. I tried to call the number it has stated as well as gotten transferred/given different numbers to solve this issue. I have not gotten any luck. I believe this is fraud.
Consumer complaint received 2020-05-20
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

This a XXXX  complaint on a previously filed complaint number XXXX. 
When I initially filed a complaint, I received a call from the Barclays President office the same day. The men I spoke with assured me that there's no need to move forward with my complaint, as he will reopen the case and will make sure that my case is re-evaluated and the money owed to me will be credited back to my account. 

I trusted this individual and was waiting on my credit, which never came. I called the Barclays Bank again last week to follow up on my credit and was advised by an individual to wait about a week and not to refile the complaint, as she will submit my concern to their back office to process the credit. Again, I trusted the bank representative and when I called today to follow up on my credit, I was told that my case is closed and no credit will be issued. The Bank is operating on false pretense and acting not in good faith. I seek your assistance in resolving this ongoing issue. 

P.S On the XXXX of XXXX they also sent me an email saying that my response is in the system called XXXX XXXX, I tried accessing the system and to no avail. It is crypted and no matter what I did, I wasn't able to access it. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-03
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. (NY)

XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK (CA)

I realized I never received a check for my security deposit from moving out of my apartment in XX/XX/2022. I reached out to my building manger, who informed me 'the office ' had issued me a check in XXXX and it had been cashed on XX/XX/XXXX. My building manager sent me a copy of the cashed check. It had a signature that was not mine and a Nevada DL # written on it that also does not belong to me ( I have a California ID ). The bank called the managing office, spoke to someone named XXXX who confirmed they had written a check of that amount to XXXX XXXX. The bank is claiming they did 'due diligence ' in confirming this transaction and are not responsible. I am suspicious the ID used was fake, and feel that should've been caught by them. The bank is First Republic Bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( This is the bank the check was issued from and also the bank where the check was accepted for cash ) My building management is only known to me by " XXXX XXXX XXXX XXXX ''
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 have all violated me 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 an 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 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MO)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-01-31
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 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 2023-01-03
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: Upgrade, Inc. (FL)

I am writing about an Upgrade credit card which I was approved for back on XX/XX/22 for {$5000.00}. I had received several advertisements email and letter byl mail for over 2 years. I finally went to the website and filled out the pre-approval for the {$5000.00} credit line. I was approved and Upgrade sent the card out via mail. When I recieved the card and registered it over the phone it was set up and active. I did not use the card and had no payments due. Within the same month of receiving the card before I could even use the card Upgrade redued my {$5000.00} down to {$500.00} for no reason. 

I did not use the card and did not owe a payment they advised me it was due to my other credit card usage. I called and talked with a Supervisor that said it was due to my other credit card usage which had not changed. I asked the supervisor if they receive a lot of calls about reducing new card members credit limits and he said that Yes, it was a common call that came through. This tell me that this is a common practice which falls under a bait and switch practice. 

This is also misleading and it reduced by credit score by being approved having a {$5000.00} limit go on my credit that the next month was reduced to {$500.00}. I work for The XXXX XXXX Bank as a Vice President in sales and this practice of false advertisement is illegal and it caused my credit to be negatively effected. I was trying to obtain a loan for personal resasons which was effected by the fico score reduction. I want to pursue actions against this action and Upgrade for credit and personal damages.
Consumer complaint received 2023-01-05
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. (PA)

Went to a car dealer ship and was told they would only run my credit report with one bank, and they ran through 5 banks. 

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 No car was purchased. Did not ask for a inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was declined, did not ask for this. 
XXXX XXXX XXXX Did not ask for a increase. Denied. 
XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXXXXXX XXXX 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 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 2023-01-03
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: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I closed my JPMC ( Chase ) card account due to erroneous charges. 
In XXXX JPMC offered to settle the unpaid balance of approx $ XXXX at approx 31 % ( {$2000.00} ). 
In response to above offer, on XX/XX/XXXX I mailed Chase a settlement check for that {$2000.00}. The check was drawn from my own Chase checking account. Chase cashed it in XX/XX/XXXX. 
In XX/XX/XXXX XXXX  showed the account was still owing the balance of approx $ XXXX. When I disputed with XXXX  - furnished copy of Chase Check # 004 showing settlement check in the amount of {$2000.00} was cashed by Chase, Chase still 'Verified ' to XXXX  that the balance was 'still ' approx $ XXXX ; that the settlement payment of 2 years ago was just a payment towards the balance not a Settlement despite written all over it was Settlement. Thus XXXX  to this day continues to claim the above debt is 'verified ' as still UNPAID. I then closed my Chase Checking account, but still continue to hold a Savings account with them in order to keep open, transparent lines of communication since at least the past 5 year. 
In XX/XX/XXXX suddenly I started receiving collection letter for the remaining $ XXXX that was previously settled. When contacted by phone, Chase claims a third party named 'United XXXX settled the debt for 62 % thus my payment to Chase for 31 % in XXXX was only 'half ' of the total settlement amount and the 3rd party was to get the other 'half '. 
I've never heard such cockamamie practice/excuse before. As it stands, Chase has dug up old settled accounts in attempt to collect anew after its 5 years of silence on the matter.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

NAVIENT : They replied to my complaint, but they failed to comment on my co-signer 's XXXX  XXXX bankruptcy that last until XX/XX/2023. All other loans have not marked my accounts derogatory because of my co-signer 's XXXX  XXXX. Navient has also refused to talk to me over the period of several years. I'd like some kind of record of my calls, and refusal to allow me to speak to anyone about this. 

All other private companies have suspended payments until XX/XX/2023. They are not mentioning this and they have refused to speak with me over YEARS. 

I want their charge off removed from my account- they are criminal anyway, hence so many people getting their debt forgiven. 

I want a record of my calls, and I want them to address the XXXX  XXXX of my co-signer, and explanation over why " they weren't allowed to speak to me '' over YEARS, and now this mark on my credit score. they are predators.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Received call around XXXX on XX/XX/2023 from XXXX XXXX XXXX Police detective XXXX XXXX XXXX XXXX ) XXXX, informing me that they had recently came across a large scam involving multiple people and that one of the pieces of mail they found was in my name. The perpetrator involved had applied for and received a Bank of America XXXX Alaska Mileage credit card in my name. XXXX XXXX gave me their police report : XXXX. I called Bank of America and they informed me that their was a fraudulent credit card set up in my name with a credit limit of {$15000.00}. Thankfully, no charges were made on the card, and the Bank of America representative informed me that he card had been closed. I have contacted my financial institution, XXXX XXXX, and verified that my account is secure. I filed a police report with my local XXXX XXXX police department : XXXX. And I have contacted the XXXX credit bureau ( XXXX ) XXXX to report the fraud. I was informed my my local police department XXXX XXXX XXXX XXXX to notify the XXXX XXXX XXXX XXXX. Thank you- XXXX XXXX ( XXXX ) XXXX.