davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 I sent Chase Card Services a message stating that I should have received 5x the points for charges to one of my cards. Per Chase 's promotion, restaurant charges are worth 5x the charges vs the normal 2x the charges during the promotional period of XX/XX/23 to XX/XX/23. I received a message on XX/XX/23 asking me to produce the receipts because Chase said the charges were for a hotel vs a restaurant. Hotel charges are credited 2x the points vs 5x the points for restaurants. On XX/XX/23 I sent Chase the receipts they requested confirming the charges were for a restaurant. On XX/XX/23 @ XXXX XXXX  Chase replied to my initial inquiry regarding this matter and stated I had reached the maximum spend of {$1500.00} for the promotion. In the meantime I had already sent another inquiry at XXXX XXXX  on XX/XX/23 regarding approximately {$1500.00} in restaurant charges on XX/XX/23, wherein I did not receive 5x the points. I don't recall that Chase informed me there was a {$1500.00} limit during the promotion period. In addition, why did Chase inform me after I spent another {$1500.00} on my card that earns less points. I could have used another Chase card on both sets of charges and earned XXXX more points.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (LA)

On XXXX, at XXXX AM, I received an email from Wells Fargo stating they were finished reviewing a Wells Fargo XXXX XXXX credit card application and were unable to approve it at the time. They stated they would send a letter in 30 days explaining the unapproved application. 
On XX/XX/XXXX, at XXXX PM, I received another email thanking me for the Wells Fargo XXXX XXXX credit card application. The email explained the application is pending and it provided a reference # XXXX. In the email, it explained what would happen next after verifying my information. The email contained a number to check the progress of the application at XXXX. There are XXXX another number provided to call if I didn't submit the application. I called XXXX, to report I didn't submit an application for a Wells Fargo XXXX XXXX credit card. The Wells Fargo agent name XXXX took my personal information and contacted the Wells Fargo XXXX Department. I then talked to XXXX who claims to be in the XXXX department. XXXX verified my personal contact information. XXXX also asked questions non-related to the incident at hand. XXXX asked did any other company extend credit to me at this time. And if so who was the company? I answered XXXX, and none of their business. XXXX also asked ; if I was ever involved in Identity theft. If I was when? I answered XXXX in XXXX. XXXX then stated she was going to get their investigation team to look into the fraudulent application. And she was going to report it to the credit bureaus so they can mark my credit report as XXXX and Identity Theft. 
XXXX was very unprofessional and want to ruin my credit file. I'm a small business owner and I always get businesses trying to ruin your credit or business or even your reputation. This is also discrimination because XXXX is a XXXX female and I'm an XXXX American female. I also feel Wells Fargo is breaking the Anti Trust Laws. I think it's unfair for businesses to compete with other businesses using scare and discriminating tactics against their customers. Following up, I contacted all three credit bureaus and there wasn't an application created in my name for any type of credit. My credit files are frozen and no one can establish credit in my name. Wells Fargo created and submitted the application as XXXX claim Wells Fargo files show a XXXX application on file for a credit card in my name. I never applied for an application for a credit card at Wells Fargo. I have a XXXX line of credit with Wells Fargo that had been paid as agreed. I will not initiate any new credit with Wells Fargo.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAIDXXXX XXXX XXXXACCOUNT NUMBERXXXXXXXXXXXXXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXXY ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
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. (IA)

I sent a dispute letter to Equifax XXXX and XXXX  to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have consolidated student loans and the XXXX XXXX XXXX XXXX has sent the corrected information to all XXXX reporting agencies and Equifax has still not corrected this information. There is only XXXX loan through the XXXX XXXX XXXX all separate loans through XXXX have been closed and paid in full. These should be taken off of my account at once. At this time Equifax has them listed twice for the consolidation loan and then separate old loans. 

I want these fixed ASAP so as to stop affecting my credit score.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

I received an alert from my IdentityForce protection on XX/XX/2023 notifying me that a debt collection agency, AR Resources , Inc. had put information on all of my credit reports regarding a {$1900.00} collection which I was NEVER contacted about by phone, email, letter, etc.! The only thing I can think of that this may be associated with is a hospitalization I had last XXXX which was so botched and traumatized me so much that I consulted with an attorney who advised me to file a complaint with them and wait for their response before going further with him and filing a lawsuit. I did that and received a letter back stating that they were looking into all of my complaints ( as there were many ) and would respond within 30 days. 

Well, they NEVER responded, but they never sent my any bills from the hospitalization, so I thought this nightmare was over until this AR Resources put a collection on my all of my credit reports without my knowledge! 

How is this possible? A company can just add something to your credit report without notifying you and without your knowledge?
Consumer complaint received 2023-05-19
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. (NY)

Hi, I signed up for XXXX XXXX  membership on XX/XX/ for {$490.00} using my Chase freedom unlimited credit card. I watched and followed XXXX XXXX  XXXX account for a while and decided to join their discord sever, but imediately regreted as there were some false/misleading advertisement. I contacted XXXX XXXX right the way, but there were no response, so I had to dispute with Chase. I called Chase once the transaction posted in my credit card account, but the customer service rep told me they can not dispute this charge as it is classified as investing service. I figure if I'm not satified with the service, I should be entilled for a refund.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I have tried twice to remove inaccurate addresses and names from my XXXX report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (IL)

Hello I am trying to contact you guys to make a dispute on this debt that is {$490.00} on the date XX/XX/22. I never made a purchase of anything to be in debt I currently just received this letter about going into collection I want to avoid that.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NJ)

XXXX XXXX, XXXX XXXX, continues to report on my credit report that I have a balance of {$780.00} owed. I wrote them a letter on XX/XX/XXXX of XXXX  asking to please send proof of this debt, provide me a copy of all of the information that was transmitted to the data furnished as part of their investigation. I never got a response however its still hurting my credit.
Consumer complaint received 2023-05-19
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. (GA)

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 Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Account XXXXXXXX  Account name : XXXX XXXX Account NumberXXXX 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.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (SC)

XXXX XXXX ; I would like to make a case a complaint against this company Mariner Finance. They sent out a letter with a check in it. My mother and I have basically the same name and live in the same house. I dont see the mail because my mom and dad are retired so when I come home my mail is in my area to received. I placed the check in my account and did as usual. When I can time to pay the check back, I downloaded the account and called the company to set up everything to come out of my bank account so I could build up my credit. Well, I found out that it belonged to my mom. I informed the company that this was a honest mistake. Could they just transfer it into my name so I could pay it. They stated they needed a statement from my mom, which she wrote and we both signed stating she knew nothing about the loan and didnt want a loan. My mother is XXXX XXXX XXXX. I was trying to build up my credit so I can get married this year and buy a house. They told me I had to get a loan to pay this loan off then pay that loan off. I told them I wasnt going to do that. So while going back and forth with headquarters and the branch office they wouldnt allow me to make the payment until they say that was going to transfer it over. I also told them Im the one trying to get the credit not my mom. Why would I make a payment in her name when she didnt sign any papers, there was not ssn number on the paperwork. I wasnt going to do that either. Then the manager XXXX XXXX stated that she could get me for Fraud and tried to intimidate me to pay it. I called headquarters again and stated what was said to me. Im more afraid of XXXX than any man. I try my best to not be in a situation to lie. It was an honest mistake. My divorced name is XXXX, I was born with XXXX as my last name just as my mom. So I had to borrow the money from my partners savings for our house to pay it back. Instead of them allowing me to pay the {$3500.00} back they charged me {$3700.00}. My account for this company was XXXX. Can you please help me recover my money back. All I was trying to do was build up my credit to get married and buy a house. Very heartbroken of trying to do the right thing.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

On XXXX/XXXX/2015 I filed a proper dispute on an unknown medical account with Equifax. On XXXX/XXXX/2015 I received a response to my dispute stating that they have researched and verified the collection account with XXXX XXXX. I then contacted the XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Equifax, re-disputed to Equifax with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute, which they received on XXXX/XXXX/2015. On XXXX/XXXX/2015 Equifax responded with an improper/incomplete dispute verification and have not delivered any proof to me as requested. I have not received any validation from XXXX XXXX. Equifax 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Equifax has also failed to denote this account as in dispute. Equifax is the only credit reporting agency that is erroneously reporting this unknown account on my reports.
Consumer complaint received 2023-05-18
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)

I have tried to get these hard inquiries off of my credit report because I did not authorize them. I tried on multiple occasions to get XXXX, equifax and XXXX to remove these unauthorized claims from my account. This is what I submitted to them. Notice of Dispute, Intent to Litigate for Impermissible Credit Pull.

I recently pulled a copy of my consumer report and I notice inquiries that I did not authorize.

The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : 1. Firm offer of credit 2. Insurance 3. Court order 4. Employment These inquiries do not have a permissible purpose they are not attached to an account : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove the listed inquiries from my consumer report they were not authorized Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows :
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

Citibank has been robocalling me at least once a day for the past month or so from XXXX. Instructions tell me to check my accounts on line ( but they do n't indicatecate what I am " checking '' for ). ( I did review my accounts at the web address they provided and all my Citibank accounts are current. ) The other option is to call them at XXXX because they " always love talking to customers. '' I did a XXXX search and found that Citibank has been harassing thousands of their customers with these ongoing robocalls. 
What can I do so stop these robocalls?