davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting 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)

XXXX Name : ** XXXX XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** I am filing this CFPB complaint to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, as the credit reporting agency , block the information on my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate information includes personal apartment rental accounts and collections from : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of the hard inquiries and a copy of my XXXX credit report, which shows these fraudulent items. I do not recognize these accounts, collections, or hard inquiries. They were not initiated by me and are the result of identity theft and fraud. 

Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX from the US Federal Trade Commission, verifying that these accounts, collections, and inquiries are the result of identity theft.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX ) XXXX XXXX
Consumer complaint received 2023-01-16
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-16
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: JPMORGAN CHASE & CO. (NC)

I checked my credit score on the Chase Credit card website and it says that I have various credit cards recently open, but I've never had a credit card in my life, so I think someone stole my identity.
Consumer complaint received 2021-05-04
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. (MD)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person
Consumer complaint received 2020-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (OH)

On XX/XX/XXXX, I went to XXXX to get pre-qualified for a loan. I pre-qualified for an offer from Sofi. I then proceeded through the application on Sofi with the same information and was initially denied. I tried again with the exact same information and got a quote that was 200 basis points higher than the XXXX  offer. I reached out to Sofi and was told to proceed with my application and that they would attach the XXXX  offer to it. Therefore, I proceeded with the application and had my credit pulled. After that, I was told that Sofi would not actually price match the XXXX  offer. Again, I provided XXXX and Sofi the exact same information. Sofi told me that they might be able to reduce the rate, and came back with a 0.125 % reduction. Despite the fact that XXXX was a pre-qualified offer and I provided the same information to Sofi, my rate ended up being higher and I was misled into submitting my application by being told the XXXX offer would be attached. Sofi also emailed me back using the wrong name, which was concerning, but I assume an accidental oversight on their part.
Consumer complaint received 2023-01-15
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)

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. 
FXXXX 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 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 2023-01-15
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. (CA)

I was incorrectly overcharged by {$1200.00} by merchant XXXX XXXX on XX/XX/XXXX, and have an email from XX/XX/XXXX where the merchant agreed I was overcharged by {$1200.00}. The merchant said they would issue money back and I asked them to resolve via the Chase dispute process based on advice from the bank. Chase denied my claim on XX/XX/XXXX so I provided the merchant documentation to Chase and reopened the claim on XX/XX/XXXX but they denied it again on XX/XX/XXXX.
Consumer complaint received 2017-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On  XXXX / XXXX /  XXXX  , I received an email notification that  XXXX   XXXX  received my {$85.00} payment from PayPal. I did not recognize the name or amount and checked the transaction on Paypal 's website. There was a note to  XXXX   XXXX  stating " bill for next month '' that I did not write.I do not know this person I opened an unauthorized transaction complaint through PayPal and received the following response : '' Our records show that this payment passed  one  or more security checks ( such as phone or SMS authentication ) at the time of the payment. The security checks are completed using information known only to the account holder. As a result, we 've closed your unauthorized transaction claim ''. I have requested copies of the documentation  PayPal  used in its investigation.
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (SC)

XXXX was performed at XXXX hospital in XXXX, GA on XX/XX/XXXX.  Insurance was filed with XXXX. Received EOB that part of the claim was denied due to XXXX not obtaining appropriate precertification. Bills started coming from XXXX and at least one phone call a month asking to be paid. EOB stated that I was not responsible for the fee. Called and spoke with XXXX and they stated they would pursue with insurance company, XXXX. Kept receiving bills and phone calls once or twice month. XXXX issued a new EOB that the previous denial had been reversed and paid more money toward claim and again stated the bill was paid in full as the rest of the balance was a contractual write off with the insurance company and XXXX and that I could not be billed. Again, the phone calls and bills kept coming. Spent many hours on the phone talking to both companies to resolve the issue. Had XXXX and XXXX on a three way call for XXXX to inform XXXX that I had satisfied my responsibility for the bill and did not owe any more. Still the calls and bills kept coming. Received a call from XXXX XXXX XXXX collection agency on XX/XX/XXXX, without written notice, that the debt had been turned over to them and they were trying to collect. Again, tried to explain that I do not owe. Again called  XXXX and they attempted to call XXXX and they refused to talk to the agent.
Consumer complaint received 2023-01-15
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. (NY)

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in MayXX/XX/XXXX, Equifax became aware of a data breach where over 148 million consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 10 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, higher car loan rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future.
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** XXXXXXXX XXXX has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-15
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)

Opened a dispute with Chase [ XXXX ] about XXXX purchases that were not delivered, because of XXXX refusal to deliver XXXX and I refused to drive XXXXXXXX XXXX miles roundtrip to retrieve. 

I promptly closed that ChaseAmazon Credit Card on or about XXXX after these ongoing problems continued, and also shuttered the Amazon account ; which never issued regular receipts describing items purchased with anticipated delivery dates included on their acknowledgement email. 

That dispute was Opened on or about XX/XX/2022 by phone. I immediately paid the undisputed amount {$350.00} by personal check XXXX on or about XXXX which was cashed. 

Chase never, until receipt was had on or about XXXX of two letters dated XXXX and XXXX, provided andor requested any written communications, whatsoever, subsequent to that initial phone dispute being filed XXXX requesting I provide any documentation I possessed but simply tried calling and calling and calling and calling until I had enough and actually stopped accepting all imcoming calls on or about XXXX. 

The demands dated XXXX and XXXX indicate now that if they do not receive the demanded documents by XXXX { two ( 2 ) mailing days after receipt of their only such request for production } that " we may close our investigation and you may be responsible for the charge ( s ) and any related interest and fees. '' in the meantime they woefully acknowledge having resolved some { mostly undefined } pending disputes. '' I am sending copies of the " Postal We Missed You '' ( PS FORMS 3849 ) documents left when delivery was supposed to have happened { the carriers simply refuse to deliver for Amazon and Amazon is well aware of this as it occured while Amazon Home Delivery was at my residence delivering and witnessed one such episode, firsthand }. But USPS has had ongoing issues with rural carriers employed to service my address since my purchase back on XXXX except for a few years before Amazon and XXXX struck up their deal that in essence screwed all the Postal Carriers [ as was explained to me by two ( 2 ) prior carriers one also a XXXX and my carrier for nearly 3.5 years and his replacement who was married to a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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. (MS)

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/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, Account Name/Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Account Name/Number : 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 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 2021-05-04
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-04
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. (WI)

I have tried countless times to get this take care of. I have sent in FTC ID theft aff, police report everything. Please do something. I just need to stuff removed as it is fraud. I am at my end. XXXX XXXX ( has 2 cards? ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Chapter XXXX bankruptcy, all of these inquiries. I am tired of yelling, sending letters, hiring lawyers, etc. These credit bureaus have cost me so much money and emotional distress that I am not sure what to do besides sue them again but at a class action level. This is sad how they treat people. I have had my information stolen from 2 breaches and a ex roommate who was XXXX  last year and now that I am trying to actual learn and use credit I can't. REMOVE THIS STUFF FROM MY CREDIT. there is a police report, FTC report, Evidence on public record that at the time some of these were open I was in prison.
Consumer complaint received 2017-11-05
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: CITIBANK, N.A. (CA)

In late 2016 I received an email from XXXX XXXX XXXX offering me XXXX bonus airline miles if I got their credit card and spent $ XXXX dollars with it within 3 months. Before applying, I called them to verify that I was eligible for the promotion, since I knew I 'd had a similar card at some point in the past. I was assured that I was qualified for the miles. I got the card and spent the money, noticing some time later that I had no bonus miles. 
I called XXXX XXXX XXXX to complain, they told me that I was NOT qualified for the miles, since I 'd had the same card in the last 3 years. They explained that they did not positively verify eligibility in advance, only AFTER customers get the card and charge the required amount. I feel this is fraudulent advertising. I cancelled my card immediately. 
Only now, XXXX XXXX XXXX has again sent me an email saying I could get the same bonus miles with the same card. This is something both they and I know I am NOT qualified to receive. This is a fraudulent offer. I 've attached a screenshot of the email I received today. It includes my XXXX member number as a reference. I 've also attached the final bill from my cancelled account.