davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/18. I went to town for shopping. When we got to town ( 2 hours commute ). I realized I forgot my bank ATM/ debit card. I did have my capital one credit card. And had about 900 available balance. 
So i decided, I will use this card. Everything was ok until we went to XXXX. My total amount was XXXX. And my card was declined and the machine stayed to call the credit card company. I did call them. They stated my card was flagged for suspicion of fraudulent use. I told them and they cleared me, stating it was me. It might have been flagged because I had not used the card in so long. They " unlocked '' my card. That's was 20 minutes of being on hold and trying to clear my account. And we had to stand outside the store because there was poor cell signal. My daughter had to stand with me in the heat. We went to our next place- XXXX XXXX XXXX. And my card declined for 80 some amount. My XXXX XXXX XXXX started getting frustrated of her mom talking on the fone for another 25 minutes. She crawled under the cart and got frustrated. They " unlocked '' my fone again. I stayed on the fone with them as we went to XXXX. I wanted to talk to a supervisor. The guy started being a bit to sarcaisc because I demanded to talk to a supervisor because I already answered all the questions needed to unlock my card twice and did not want to go thru this again. He sed " I explained this already and it was recorded, '' i told.him, well, the recording will.show how long i was placed on hold and how long this is taking. Not to mention, the recording will also show you, not transferring me to a supervisor. I was so was embarrassed and, by now, I got so frustrated, my daughter and I didn't enjoy our trip to town. I even forgot items because I was on the fone for a long time. Then he finally started to transfer my fone call, he transferred me to another customer service persons who spoke to me in some other language. He finally spoke back to me in English. He stated he was a customer service representative for Spanish speakers. He finally transferred me to a supervisor. He assured me he over wrote the system and I should not be worried my card would not decline. I told him, if I cleared all the questions that it was me, then why did I have to call again and to be embarrassed and afraid to use my card. I have been a loyal customer. And a month ago, I went to XXXX XXXX and used one of my other credit cards with no problem. 
We got home. We did not enjoy our trip to town. I spend so much talking and waiting on hold. I even had to make another trip to XXXX because I forgot items. And we got home, I still forgot several other items we needed. 
I needed to make 3 more stops but i was so afraid my card to decline, we didn't go.
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the inaccurate information on my credit report. Specifically, the following items are incorrect and are affecting my credit score negatively : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$25000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX Card Services ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$25000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$20000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

ACCOUNT NAME : XXXX XXXX  Services ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$32000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

COLLECTIONS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$18000.00} Reason : I have never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it, or delete this account. 

INQUIRIES EQUIFAX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that you investigate and correct them. I recently checked my credit report and saw that these items are only listed on my Equifax account, not on XXXX. I've already reached out to the credit reporting agency and the data furnisher, but the issue is still unresolved. Please look into this matter quickly and update my credit report with accurate information.
Consumer complaint received 2023-08-17
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. (FL)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

Every month I make both my credit card and Autoloan payments in person at chase bank locations around XXXX XXXX California. I make these payments by check in person and generally the tellers are knowledgeable about my account balances, minimum payment amounts, and payment due dates. I needed to rely on them because the Chase App would constantly log me out and block me from seeing these balances. It typically is very difficult to log back in and is in my opinion a waste of an hour and a half each attempt ; since it would just happen again a few days later. In XX/XX/XXXX I initiated a balance transfer between XXXX XXXXXXXX XXXX and Chase bank. The purpose was to pay down the Chase Credit card all the way to XXXX. The transfer was completed although unknown to me there was an interest charge which actually kept a balance. 

For the next two months I would go into Chase Banking locations to continue to make check payments on my auto loan. When I asked the tellers each month if I still had a balance on my credit card, they told me no that it was XXXX. In XX/XX/XXXX, I was surprised to find out from a senior teller that I did actually have past due payments required. Obviously I made a scene in the branch and demanded to speak with the Branch Manager. I asked her to please submit a complaint and resolution request to her central offices. she denied my request and stated that I should have been reviewing the payments from my chase app. She said it was my fault for not knowing I needed to make the payments. I told her that I would purposefully visit Chase Bank locations in order to receive updates about my accounts and to make payments in person. If the tellers from XXXX and XXXX would have informed me that a payment was due on my credit card, I would have paid it to XXXX.I even asked her for disclosures, I was denied and that I believe is also a violation of Chase Bank against their Charter. 

I even complimented the teller that informed me about the passed due payment. Without her help my credit would have been effected much more severely by Chase Bank.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX  regarding XXXX ( XXXX ) unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Attached to this complaint is a Federal Trade Commission Identity Theft Report, identification documentation and a partial XXXX credit report showing they deleted the XXXX credit inquiry which is still listed on my XXXX credit report. The following accounts and credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX XXXX, XXXX, {$3700.00}, XXXX XXXX Bank, XXXX, {$570.00}, XXXX XXXX Bank, XXXX {$570.00}, XXXX XXXX Bank, XXXX, {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX, XX/XX/XXXX. The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent Experian and XXXX the Federal Trade Commission Identity Theft Report along with a police report case number, but Experian and XXXX continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX  XXXX account has been deleted and removed from my Experian and XXXX report twice, by Experian XXXX XXXX, but the XXXX  XXXX account is back on my Experian and XXXX credit report. I sent Experian and XXXX all kinds of documentation proving I am a victim of identity theft, but Experian and XXXX continues to put fraudulent accounts and the same fraudulent accounts, Experian and XXXX has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate Experian, XXXX and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because Experian, XXXX and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-17
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. (MO)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-06-25
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. (AZ)

I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-08-24
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: AMERICAN EXPRESS COMPANY (WA)

Dear Sir/Madam, I hope this email finds you well. I am writing to express my deep concern and frustration regarding an ongoing issue I am facing with American Express, specifically concerning the transfer of points from my Membership Rewards ( XXXX XXXX account. The purpose of this email is to bring to your attention the challenges I have encountered and seek assistance in expediting a resolution to this matter. 

For the past week, I have been attempting to transfer points from my American Express XXXX XXXX to another loyalty program. However, despite following the designated process and fulfilling all necessary requirements, I have been met with significant roadblocks. Each time I try to initiate the transfer, I encounter error messages and obstacles that prevent the successful completion of the transaction. 

What adds to my frustration is the response I have received from American Express customer service representatives. After spending considerable time on the phone explaining the issue, I was informed that resolving this problem could take anywhere between XXXX to XXXX weeks. Such a delay is not only unreasonable but also places an undue burden on me as a customer. The inability to transfer my points in a timely manner significantly hampers my ability to utilize the benefits of my XXXX XXXX effectively. 

I am deeply disappointed by the lack of urgency and responsiveness from American Express in handling this matter. As a loyal customer who has diligently adhered to the terms of the XXXX XXXX, I believe I am entitled to a seamless experience and timely solutions when facing technical issues of this nature. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in expediting the resolution of this issue. It is my hope that your involvement will prompt American Express to prioritize the matter and provide a satisfactory resolution within a much shorter timeframe. 

I genuinely appreciate your attention to this matter and your commitment to ensuring fair and equitable treatment of consumers. I believe that your intervention will not only help resolve my personal situation but also contribute to enhancing customer satisfaction and maintaining the integrity of consumer-business relationships. 

Thank you for your time and assistance. I look forward to a swift resolution to this matter. 

Sincerely
Consumer complaint received 2018-09-11
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. (OH)

Chase card increased my credit card rate to nearly 30 percent despite the fact that my FICO score is XXXX and I have never had a late payment. I called Chase and they refused to explain the rate or offer a lower rate.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MS)

Hackers attacked my Chase checking account costing me {$1400.00} unauthorized XXXX XXXX  transactions to purchase XXXX & I don't even know what that is. Chase voided all my disputes telling me to go 3td party? The time i used XXXX XXXX & XXXX XXXX is to send my grand daughter gas money. It took me getting with an IT Expert to find where hackers have been in my accounts since last XXXX but Chase could not see that fraud was happening & denied me access but allowed hackers to do whatever. 
They allowed hackers to reverse my XXXX XXXX payment & not its in legal repossession 3 weeks after I made my payment. ALL was done on the same day showing hackers in my account attached XXXX XXXX Chase statements & hackers from XXXX, CALIFORNIA & TEXAS. I live in XXXX & use XXXX XXXX XXXX. XXXX Department was notified at less a dozen times. I phone recording emails text messages also.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IN)

I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from XXXX