davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (TN)

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have several credit cards with Chase. Two of these cards end in XXXX and XXXX. I make my payments online every month and have never been late making a payment. However, during the past several months it has become increasingly difficult for me to make my payments online because Chase has been making it almost impossible for me to login and make my payments. Chase has a very difficult system to use and even after many attempts which have resulted in my being locked out of my account, unable to make a payment. To add insult to injury, I am using the correct login password, account name, and whatever additional password they require for me to login to my Chase accounts. 

It is difficult to determine if these increasingly difficult payment roadblocks are intentional or not. However, I often have to spend an hour trying to login to my credit card accounts. This is not only customer-unfriendly, it is also unnecessary. I have other credit cards where I never have this problem.

Perhaps Chase is creating this online obstacle for online payments in an attempt to generate late fees, discourage customers from having online access to their credit card accounts, or for some other undisclosed reason.

That being said, paying my Chase cards is becoming a time-consuming burden that is making it difficult, and in some cases impossible for me to pay my Chase credit cards online.

This must stop!
Consumer complaint received 2022-06-09
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. (TN)

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Consumer complaint received 2022-09-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-30
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2022 my daughter was offered a Kohl 's charge card with a discount for opening the card. Her charges were put on my card instead of hers. When I discovered this on XXXX, I was told by Kohl 's oh well at least you know her and they hung up. I tried calling again on XX/XX/2022 only to be told the couldn't help and they hung up. On XX/XX/2022 I went to the store and was told that they couldn't help me I would have to call. I tried calling as soon as I left the store only to be told there was nothing they could do. Called a fourth time and someone looked into it further, but again could do nothing. 

My daughter opened her own card for the discounts. I did not authorize the two charges on my account from XX/XX/2022, in the following amounts, {$17.00} and {$160.00}. My request was they can see that she placed the order, so I want them moved from my account to hers. They can clearly see this, but won't do anything about it. They are allowing and unauthorized signer to use my account. 

They are also misrepresenting the offer made to my daughter, but not giving her the discount.
Consumer complaint received 2022-11-09
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: CCF Intermediate Holdings LLC (CA)

I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023, XXXX XXXX denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with Experian credit agency, so im not sure how that company can report something that isn't my account. I explained that XXXX XXXX, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by XXXX XXXX XXXX XXXX  on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your XXXX XXXX XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ). 
XXXX XXXX and XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated 12/15/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-09
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. (MA)

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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (IA)

Security Credit Services is a debt collector that bought my account from XXXX XXXX This account was opened XX/XX/XXXX and is being reported by security credit services as being opened XX/XX/XXXX. Its being falsely reported and the date is more than 6 years of a difference. I called the original card company and they told me when the account was opened but could not provide me with an email or letter stating this. I called security credit services and they asked me for my income, what bills I pay a month and other personal information and stated they no longer have this account. They told me it was sold to another debt collector but security credit services is still reporting it. How is this fair and legal? They are negligently ripping off consumers and falsely reporting arrogant dates to credit reporting agencies. I am a victim of fraud and they are parking this debt on my credit report unfairly!!!! Please help me figure this out. 
I also have XXXXXXXX XXXX XXXX on my credit report. It was also opened over 7 years ago. They also are changing the opened date to false dates. Saying the account is nearly 7 years newer than it actually is. Please help me!!
Consumer complaint received 2024-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I discovered {$3700.00} withdrawn from business savings account XX/XX/XXXX, not by me or anyone at the business. the bank claims a withdrawal slip was used a branch in IL, see attached. At the time I signed off an affidavit for signature fraud. As of today XX/XX/XXXX they have yet to provide provisional funds back in the form of a check or credit to new savings account opened the same day, XX/XX/XXXX. 
As of XX/XX/XXXX I received a Customer Statement to complete which I did at a local branch on XX/XX/XXXX. This document should have been present and completed at time of affidavit XX/XX/XXXX, they failed to provide or indicate any further documents. The time and effort this has taken is beyond what any individual or business should ever have to deal with for the mistake this institution has caused.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Theft of money from my Chase Bank account. 
On XX/XX/XXXX, I borrowed XXXX $ and deposited in my Chase Bank Account. Unknown persons hacked into my Chase Bank account and stole the {$10000.00}. They distributed it to unknown persons. 
I had nothing to do with this theft from my Chase checking account, but Chase bank will not honor my claim of theft and will not restore my funds.
Consumer complaint received 2022-12-01
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. (MO)

In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I called a number listed as a " US number for XXXX XXXX XXXX '' and spoke to a lady who told me her name was XXXX XXXX, that she was with the " Consolidation Dept '' with XXXX XXXX XXXXXXXX. I was calling XXXX XXXX  to rebook a flight from XXXX XXXX to XX/XX/XXXX or XXXX. XXXX XXXX assured me she could help but the amount of the ticket would be {$9600.00}!! She explained that THE ENTIRE AMOUNT would be refunded to me within 40 days. In actuality, I was charged {$8800.00} because she gave me credit ( approximately {$1400.00} ) for the return ticket I had already purchased.

When the 40 days elapsed I noticed that the refund did not occur and I called XXXX XXXX. She told me " the third party companies who do the ticketing declined my refunds. '' I knew this was another lie and when I researched the company I discovered they are on a list of scammers and go by a couple of names : XXXX  and XXXX They also have several numbers, all of which have been flagged : XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX  direct line ) I have spoken to Citibank numerous times and they have rejected my claim and maintain, that, despite this company being a major scammer and charging me an exorbitant amount, I am solely responsible for the charges and interest. 

I am retired and on a very limited income. The amount of these charges, with interest, will be over {$10000.00} and I can not afford to repay them. The company that scammed me has been flagged by the XXXX XXXX XXXX and scamming agencies as well as many consumers, like myself, who got " taken '' thinking we were carrying out a bonafide business transaction ; instead, we were dealing with on airline impersonator!! 

In addition to sending letters to my credit card company, I have filed a complaint with the FTC and XXXX XXXX XXXX. 

Thank you for your time. 

XXXX XXXX
Consumer complaint received 2022-08-19
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 am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf
Consumer complaint received 2022-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (UT)

As part of Covid relief, payments after XX/XX/202 on student loans were eligible for a refund. I called and request a refund on XX/XX/22 and am eligible for somewhere between $ XXXX {$2500.00} back. 
I called on XX/XX/22 for an update and was told that my refund request had been approved. 
I called on XX/XX/22 and was told it will take 4-6 weeks to see any progress. 
I called on XX/XX/22 and was told the process can take up to 12 weeks. 
It is now XX/XX/22 and I have seen no change to my account balances and no refund has been issued, this is well past the XXXX week window that I have patiently waited for.
Consumer complaint received 2022-06-09
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: Credit Plus Inc (IL)

I have an inquire on my credit from credit plus from XX/XX/XXXX I never provided any one on that date with verbal or written consent to pull my credit. I do not recognize this inquire. I have reached out to credit plus several times but still will not remove the un know inquire from XXXX
Consumer complaint received 2024-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a notification from a credit monitoring agency regarding a hard inquiry from Capitol One on XX/XX/XXXX. This inquiry had incorrect employment information as well as incorrect address listed. I called Capitol Ones Fraud department, who stated they were unable to locate any account with my information, including my social. They then gave me another phone number associated with the applications department who was able to locate an outdated account from XXXX. They stated there are no open accounts or inquiries. This is false, as have a current credit report with a hard inquiry from the XXXX of XXXX. They did not escalate the issue, and were unable to resolve or dispute the inquiry. I have frozen my credit and will be filing a Fraud report with the FTC as well.