davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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: JPMORGAN CHASE & CO. (FL)

Chase credit claims to offer fraud protection. I have a chase card I use for business only. In XXXX and early XXXX of 2022, I discovered XXXX  charges for XXXX items fraudulently charged to my card, I called Chase and they assured me I would not be responsible for the charges. My card was canceled and reissued. A month later, Chase put back all of the charges on my card except for one. They claimed I benefited from the transactions except for one of the XXXX. I was stonewalled by Chase and rudely told to take up my case with XXXX. I do not even have an account with XXXX!, When I contacted XXXX, they informed me that they could not help me because a dispute case was opened outside of XXXX, They also indicated that they do not mention that I benefitted from a transaction, so it appears that Chase is deceiving their customers and blocking recourse.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Financial Freedom Group, LLC (AZ)

Debt blue has been taking {$180.00} a month since XX/XX/2019 to pay off my debts. They take some fees for legal help but when I was sued for a debt last year they didn't provide legal help to me. I complained and never heard from them about this issue. I paid out of my own pocket to file the lawsuit in court, took off work to go there, and they never reimbursed me. I never was contacted by a legal person til the day it was due to be filed and I already had filed it earlier that day. They drug out the last debt if mine I called repeatedly to settle and they had zero communication with me about needing my signature notorized and continue to draft {$180.00} the whole time. They settled it on phone last week and told me I wouldn't be getting more drafts monthly from my account and that I would even be getting money back I paid into this program and apparently that is not true!!! Now because no one made a " note '' of telling me that they are acting as if I am lying. Had I known I was going to be paying fees for services they weren't providing I would have fought paying them and never ever gone with this company. I am now XXXX, have no income and they are telling me I owe them {$460.00} for the last settlement for a " performance fee ''. I'm the one who requested they settle my last debt after having enough money to cover it in my account with them and pushed it now they are continuing to charge me for their " performance ''. This company has well overcharged me for the services they did not provide and told me today they saved me 66 % on my debt but will NOT answer to any of the issues I've had with them with the legal services they didn't provide that I have paid for monthly! And the dragging debts out when I had enough money to cover them while they just enriched their own pockets sitting on my money! This seems super unethical!!! Super!
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Point Up Inc (CA)

I opened my XXXX XXXX on XX/XX/2022 through my friend 's referral link via text, a screenshot of the text is as attached ( including my virtual card number that I checked right away ). Here is the offer : https : //www.point.app/legal/referral-21-march-2022-general, and the offer email ( with referral 's email and referral code ) is also included in attachment, this email was just a reminder to my referrer that she had this offer back then. The sign up bonus is spending $ XXXX before XX/XX/XXXX to earn a {$100.00} in points, terms are attached. Note that my referrer 's Point REFERRAL CODE is XXXX, and my email on file with Point is XXXX, FYI, to find my account. I confirmed that I have met the requirements of this offer but Point XXXX  claimed I was enrolled in another offer and issued me an incorrect XXXX points instead of XXXX points. It was impossible that I was enrolled in a different referral offer because I opened my account through clicking my partner 's text message. Please fix this error caused by Point team and credit {$100.00} each to my referrer 's account and mine, per offer terms.
Consumer complaint received 2022-07-10
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. (AL)

To whom it may concern, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not in error, nor is my request to block bring made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 
1. All inquiries 2. XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX 3. XXXX XXXX XXXX XXXX | XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX  | XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX | XX/XX/XXXX 6. XXXX | XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (IL)

On XX/XX/2021, I was reviewing my credit report and to my surprise I noticed Jefferson Capital Systems , LLC reporting a charge- off account on my credit file in the amount of {$2500.00}. So, I wrote the debt collector Jefferson Capital Systems , LLC a letter asking this company to validate the debt they are saying I owe their company on my behalf. The collector failed to validate the debt under 15 U.S. Code 1692 ( g ) Section 809 ( b ).

The collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature. 
The Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above -alleged account. The Collector failed to provide an affidavit signed under XXXX XXXX XXXX that Collector or any agent ( XXXX ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. 
Jefferson Capital Systems has been harassing me, committing mail fraud and identity theft for using my identifying information on behalf of this alleged debt.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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 XXXXXXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B
Consumer complaint received 2022-01-05
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and TransUnion. Thank you!
Consumer complaint received 2022-07-12
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)

In accordance with fair credit reporting act XXXX account 1234 has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 


XXXX  XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXXL Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion dark web illegal activity tldr ; Transunion has two separate websites and trick users. One is a marketing site XXXX XXXX XXXX XXXX XXXX where they try to get ppl to buy a {$25.00} product, and then phish for more information. The other seems like the regular websites. They also deceive users into thinking the sites are the same ( they are not, the log in info is different, you can't use the same credentials on both sites ) and XXXX XXXX results produces the " ads '' result first so it tricks users into clicking that first. 

Details : I XXXX 'd " Transunion '' in the search bar. 

XXXX returned two results as you can see from the image ( https : XXXX ) The top result is an " ad ''. It goes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The bottom result in XXXX search looks the same, but it goes to a different site : XXXX XXXX : XXXX '' I clicked on the top result because it says it's the " official site '' It brings me to a marketing page ( image here : XXXX XXXX XXXX ) I clicked " Get Started Now '' I brought me to another page to sign up ( image here : XXXX XXXX XXXX  ) I am already a user, ( or so I think ) so I click " Login Now '' This brings me to XXXX XXXX XXXX which looks like XXXX XXXX XXXX XXXX XXXX' I log in and it brings me to a home page that is basically trying to upsell me to buy a {$25.00} product https XXXX XXXX XXXX XXXX XXXX They also have a Profile section and other sections to try and get you to fill in personal information about yourself so they can collect it XXXX XXXX XXXX XXXX  Additionally, if you login on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the credentials dont match the credentials for username and pw for the marketing site XXXX XXXX XXXX 

It looks like theres precedent here with Transunion in the past : hXXXX 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: EQUIFAX, INC. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-04-26
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. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXX XXXX.
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX, 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 instruction
Consumer complaint received 2022-07-12
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)

Hello! 

On XX/XX/XXXX I called Experian about two inquiries I had on my report : One from XXXX card and one from XXXX XXXX XXXX. I was just trying to understand why they were furnishing my credit information to companies without my clear written instructions according to 15 USC 1681b ( 2 ) which falls under the FCRA. After calling them several times, they told me to reach out to the credit company themselves. I don't know if the FCRA governs credit companies, but they directed me back to the Credit Reporting Agencies. After going in circles several times I was told that a supervisor would reach out to me between the timeframe of 24 and 72 hours. Here is the case number that they gave me : XXXX. It is now XX/XX/XXXX and I still have not gotten a call back from a supervisor. I called them several times today to follow up on why I was not getting a call back from a supervisor and they kept passing me off to other employees. I still do not understand why they are furnishing my information to companies without my consent and they have not addressed that question with me or even acknowledged that they are required to do so by law. Thank you for taking the time to read this and I hope you have a wonderful day. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

DISCOVERBANK XXXX
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Stellantis Financial Services US Corp. (IN)

I was on leave of Absent from my job and I can thems and ask can I get car Refinance in first investor told me they dont do than I ask can one of my payment to be put at end and they said they dont do that..And I told them I was coming back for my car.and they sell it to the Auction now they want me to pay for the towing and change the lock on car and Title..but it at dealership in XXXX for {$19000.00} I had pay it down to XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (GA)

XX/XX/XXXX, I ( XXXX XXXX XXXX, called XXXX XXXX XXXX to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that XXXX & XXXX had lied just to get account information and to receive payments. I specifically asked XXXX & XXXX to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to XXXX & XXXX again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX in XXXX XXXX, XXXX. XXXX & XXXX also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

AS AN CONSUMER AGAIN, I CAN NOT BE DENIED CREDIT. I TOLD THESE PEOPLE I NEVER OPENED AN ACCOUNT WITH THEM AND THEY STILL CLOSED THE INVESTIGATION WITH FOOLISHNESS. AGAIN THEYRE VIOLATING my federally protected consumer rights 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002. I Sent them a Adverse notice through an email I was provided. So again try again. NEVER RECEIVED A FRAUD # AS WELL. So what information are you even talking about to be exact?
Consumer complaint received 2022-04-26
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Public Record/ Bankruptcy # 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. 

I have asked XXXX and Transunion for proof that this Public Record belongs on my file, with absolutely no response! 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the letters. 
I would really aprerciate the CFPB 's help with this matter
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK IS CHARGING ME NEARLY {$700.00} IN OVERDRAFT FEES. IV'E TOLD THEM OUR COMPANY HAS EXPERINCE COVID 19 HARDSHIP AND THEY REFUSE TO WAIVE ALL THE FEES. THIS UNFAIR AND WILL SEEK LEGAL COUNCIL
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXX, OH XXXX