davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting Compliance with Texas FCRA Identity Theft Fraud Laws Dear DISCOVERBANK, I am writing to address a grave infringement concerning the unauthorized reporting of information to my credit report, as mandated by both federal and Texas state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Texas Finance Code Sections 392.301 and 392.305, alongside the pertinent identity theft fraud statute, Texas Penal Code Section 32.51.

It has incontrovertibly come to my attention that DISCOVERBANK Account Number : XXXX has unlawfully engaged in reporting to my credit file without securing my explicit consent. As stipulated by federal law, particularly the FCRA, consumer consent is an absolute prerequisite for any such reporting endeavors, as outlined in Section 1681b ( a ) ( 2 ).

Furthermore, Texas state legislation, including Section 392.301 of the Texas Finance Code, explicitly underscores the imperative nature of consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code delineates explicit directives for the equitable reporting of consumer credit information. Simultaneously, identity theft fraud statutes, like Texas Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal data. 

I affirm with utmost certainty that I have not provided authorization for DISCOVERBANK Account Number : XXXX to disclose any information to my credit file. This glaring absence of explicit consent constitutes a blatant violation of my rights, potentially inflicting harm on my creditworthiness and flagrantly flouting federal and state statutes. 

I demand, unequivocally, that DISCOVERBANK Account Number : XXXX promptly cease any further disclosure of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to recognize that obtaining consent is not a discretionary prerogative but a legal imperative under these pertinent sections of the FCRA, Texas state law, and identity theft fraud statutes. This is not open to negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect DISCOVERBANK Account XXXX : XXXX to expeditiously rectify these egregious violations, upholding my rights under federal and state statutes. 

In good faith,
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (HI)

I called the Chase Covid-19 Relief Payment Assistance line ( XXXX ) XXXX on XX/XX/XXXX, XXXX, XXXX and XXXX and I am going to continue to call them asking for a lower interest rate due to my unemployment since XX/XX/XXXX. 

Each time they said they couldn't lower my rate from the " prime '' 23.99 % I am currently at because in the last year it had dropped from 25.99 %. 

Regarding my Chase Freedom card : On XX/XX/XXXX I was charged {$210.00} in interest. 
On XX/XX/XXXX I was charged {$210.00} in interest. 

Regrading my Chase Freedom Unlimited card : On XX/XX/XXXX I was charged : {$54.00} in purchase interest & {$110.00} in balance transfer interest totaling {$160.00} in total interest. 
On XX/XX/XXXX I was charged : {$61.00} in purchase interest & {$110.00} in balance transfer interest totaling {$170.00} in total interest. 

This is insane & unreal ( and didn't it used to be illegal aka : " usury ''? ) especially considering XXXX XXXX, with whom I have had years of issues, dropped my rate across 2 personal and 1 business account with a collective {$33000.00} ( way more than with Chasxe ) of debt dropped my interest rate to 5.99 % FOR THE NEXT 12 MONTHS!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Collection {$430.00} XXXX XXXXOriginal Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (VA)

I have an account with KIKOFF that is supposed to be some credit management repair service, etc. like XXXX. 

I pay two monthly fees to them for a loan and something else and it is supposed to help increase your credit scores etc., which is supposed to help increase your credit scores, I do not know how they obtain the credit scores for all three credit bureaus however I recently found out that the information they are reporting as far as the credit scores are not the same as what I am receiving vs. what KIKOFF is reporting. 

They also charged me for disputes that went nowhere and it was only when I disputed everything myself that I was able to receive the results that I paid them for and should have received. 

So what am I paying them for what I can do for free myself is the real question here and why do they have different credit scores vs. what I am receiving from the actual credit bureaus and where are they getting this information from?
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

LL Bean Mastercard -a Citi company I have had this card for over a decade, it switched from Visa to Mastercard and from XXXX XXXX to Citi . I pay my balance in full EVERY month with a little extra. Recently, the balance that they have told in me is the the " true balance '' and so for the last 2 months, I have been charged interest on unpaid balances. When I called, them, they were unable to explain why the balance I am told in the " paperless '' statements is not the true balance and that I am being charged interest because I don't pay the true balance. I would assume that the electronic balance should be the same as it is on a paper statement and to be true and accurate. If I pay it in full, then there should not be any interest. I do not feel this has been the case and I do feel that this is probably happening to other people.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly that I am ( 120 180 ) days late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Its inquires on my report that I didn't authorize so I know for a fact that they can't be verified. So therefore they can't be reported on my report and must be deleted immediately.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NV)

Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

I received notification via a credit monitoring service that this company named DIVERSIFIED ADJUSTMENT added a fraudulent debt from XXXX on my credit report. DIVERSIFIED ADJUSTMENT HAS violated my rights under the FDCPA AND FCRA ACTS. This fraudulent debt was previously purchased by IC System and I sued them and won monetary relief for their contribution to defaming my character. I also will be adding the original id theft report along with my complaint I did with the cfpb and result of it being deleted and removed.

I was never notified of this debt in any way fashion or form to request validation before they reported negative information on my credit report. Im seeking immediate monetary relief as well as deletions to all credit reporting agencies not just the major three but all data repositories and data furnishers. Here is also my Debt Validation Request! Dear DIVERSIFIED ADJUSTMENT, I am writing in regards to the collection account DIVERSIFIED ADJUSTMENT reported to the CREDIT REPORTING AGENCIES I have no knowledge of this alleged debt. I am requesting that you provide me with full validation of this account as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and I am requesting that you provide me with the following information : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. The date of the alleged debt. 4. Documentation proving that I am responsible for the alleged debt. 5. Itemized statements showing all charges, including fees and interest, associated with the alleged debt. 6. Amount of debt 7. Proof that you are licensed to collect debt in the state that I'm in 8. Proof of the last payment made on this account I am invoking my rights under 15 USC 1681G of the FCRA to request this information, which requires that you provide me with a complete and accurate accounting of the alleged debt. I am also requesting that you cease any and all collection activities until you have provided me with this information. Also if your reported negative information to any and all credit reporting agencies you must removed until a full investigation is complete. If you are unable to provide me with this information, I request that you immediately remove this alleged debt from my credit report and cease any further attempts to collect on this debt. I have no problem suing your company as a whole, along with its companys shareholders, employees, and register agents Thank you for your attention to this matter. Sincerely, XXXX
Consumer complaint received 2023-07-18
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. (NJ)

I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by XXXX, XXXX, and Equifax. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with XXXX, XXXX, and Equifax reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I may face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I have tried to work with Discover for months but unfortunately the information that I provided is all I have. They requested information about my IRS and want to play games with my account because I choose to Bank with an online bank. XXXX XXXX is the Card I use XXXX XXXX XXXX  building credit. Your account protection service needs to bring the account to the Office of The Presidents for approval.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (MA)

On XX/XX/2023, I received a phone call from Avent computer about a possible fraud due to some game charges I was playing and it's a great feature to have. 

I got the call at around XXXXXXXX XXXX. EST. 
It was advent 's computer calling about a fraudulent charge and the computer is the only way that they send you a message to verify if the charges are valid or not so your account could be unlocked. They said no email they send no text it's only by phone. I hadn't done anything in hours. So I called them. 
Ask them when the original charge that it frauded was for time and what it was. That's when the representative told me that it came in and they used there time zone but for mine it was at XXXX something XXXX. and I didn't get the call from the computer until XXXX XXXX 

I will attach as many of the email copies as I can. 

I apologize if you have duplicated attachments or if you need more it's very hard for me to be doing this and copying emails.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (IL)

On XX/XX/21, Purchased a XXXX XXXX gift card for {$200.00}. On the receipt it says activation successful but went to go use the card and it would not work. Called the 800 # which is Vanilla Visa and they said the card was not activated. So I went back to XXXX and they said they can't do anything call Visa back. So I did. I provided copies of the card, receipt, and ID. They came back and said the receipt said misc even though all the numbers from the gift card are on it... they wanted a receipt that said Visa on it. XXXX  went to their receipts and said they do not have a more detailed receipt. They said they emailed Visa. That's was 5 days ago. I am tired of going back and forth and want my {$200.00}. I have done nothing wrong but yet paying the price. 

XXXX  ref # XXXX Vanilla Visa ref # XXXX
Consumer complaint received 2023-07-18
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: Esusu, Inc. (TX)

On XX/XX/2023 I received an email from XXXX stating that I was signed up for their credit reporting service as a result of renting my apartment from XXXX XXXX in XXXX TX. I had never agreed or expressed any interest in this service and it was the first time I had even heard of it. The email had a link where I could cancel this service, however, it returned a 404 error indicating there was no such website, although XXXX appears to be a real company involved in credit reporting. I am not interested in this service and want them to cancel whatever account I might have with them and delete any records and information associated with me.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Improperly charged payments, fees, and interest from their customer Illegally charged sudden overdraft fees : For years, from XX/XX/XXXX XXXX XXXX, XXXX, Wells Fargo unfairly charged surprise overdraft fees. fees charged even though consumers had enough money in their account to cover the transaction at the time the bank authorized it. Our overdraft fee for items paid into overdraft is {$35.00} per item. The basic fees applicable to all accounts at Wells Fargo are overdraft fees, returned item fees, stop payment fees, and wire transfer fees. Wells Fargo checking monthly maintenance fees are {$10.00} for Everyday Checking and {$5.00} for Clear Access Banking. Also, on debit card transactions and ATM withdrawals. Also, the bank was transferring funds between accounts and enrolled them in online banking, and told customers their products were more important than they actually were. 


Wells Fargo Corporate Offices Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX ( XXXX ) XXXX Website : https : //www.wellsfargo.com
Consumer complaint received 2021-08-27
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. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.