davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

For past years, Bank of America - Bank has charged a " Check Image fee ''. It seemed to be only kicking in once a year. I would call in and they would refund the fee and promise that they would fix it. It usually was just a once a year issue, but now it is EVERY MONTH issue ( Even after calling in every month to have it removed ). 

In XXXX, XXXX, XXXX, XXXX and XXXX- it kept happening. I would call in and they would fix the problem and refund the fees. 

In XXXX, I reached out to the CEOs office about this- with some investigation I was ASSURED IT WOULD NEVER HAPPEN AGAIN! There was a full depth analysis of this from that office. 

Well on XX/XX/XXXX - It happened again. I was assured in XX/XX/XXXX ( Don't have exact dates on conversation ), but they refunded me. 

I tried calling the bank tonight ( the male rep at XXXX disconnected the call ). I called back and I accidently hung up on the rep. 

I never authorized for this check image fee to be on my statement. We went through the settings in my profile and on the website. The fee is only {$3.00} per month, but still! 

The bank needs to take corrective action on making sure that I am not getting charged for this fee. For me to keep calling into the bank costs TIME = $ $ $ as a small business. This is about the 10th call in attempting for this to be fixed.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-02
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-14
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Money Management International, Inc. (MI)

On XX/XX/2023 I enrolled in a debt management program ( DMP ) with Money Management International ( MMI ). I included 3 XXXX XXXX credit cards in the DMP. two of the card 's due dates were XXXX and the other was XXXX. before enrolling in the program I advised my counselor XXXX that I would not make the payments for XXXX since I was enrolling in the program. He stated that would be fine because the creditor would receive the payment from MMI in XXXX. I had no idea that MMI would not send the payment to XXXX XXXX until the XXXX of XXXX. I also had no idea that because they were sending the payments so late after my due date I would become overdue with my payments and that I would be reported to the credit bureau as 30 days late with my payments. The purpose of enrolling in the DMP was to protect my credit not to destroy it. This has caused my credit score to drop. I have made several calls to MMI the people are not knowledgeable at all. No one wants to assist me. I was told by one rep at MMI to change my due date with the creditor unfortunately I can not do that because the account is closed. I feel like I was not presented with all of the information that I needed when enrolling in the DMP. I've asked to speak with a supervisor and no one has called me back. This is extremely frustrating. I had to make an extra payment of {$130.00} on today to bring all three cards current.
Consumer complaint received 2024-10-23
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. (CA)

RE : TXXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$7200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo refused to credit back to XXXX XXXX from my account that they put into my account after i did an accidental triple transaction through my city. When i contacted Wells Fargo initially on XX/XX/2023, i called them to recall XXXX of the XXXX transactions. At that time, the agent i spoke with told me that it was happening automatically, and i had to do nothing. Also during this time, i was never told of, or made aware of, that two provisional credits that were attached my account, nor was i ever given a Claim number in reference to these recalled transactions. 
When i called Wells Fargo on XX/XX/2023, They denied everything i said, and claimed that i had been given a claim number and even sent it via XXXX mail and in my online Banking message center. I even told them that the local government contacted me directly and reversed two of the transactions, yet Wells Fargo still had the audacity to go into my account and pull the provisional credits i was never told of or had in my account. 

The XXXX XXXX account XXXX, denied everything i said, and blamed it on me, saying that i had started the claims process ; which i never recall happening, since the agent i spoke to on XX/XX/2023 never said there was going to be a claimed opened, that they were just going to reverse the transactions automatically on their end.
Consumer complaint received 2024-10-23
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. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-03
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. (FL)

Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 2023-09-14
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-03
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. (FL)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ,  FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX , XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

I was the victim of a bait-and-switch cash back offer from Chase. They offered 20 % cash back on a purchase at a specific store with very clear terms. My purchase met all of their terms, but they have repeatedly refused to credit my account accordingly. The reason that they cite is that the charge didn't post until after the offer expired, but their FAQ page explicitly states that it's based on the transaction date not the charge posting date. 

Please see the attached document for a detailed timeline with supporting evidence. Also, please note that this is neither an isolated case nor an honest clerical error. Chase has repeatedly been made aware of the issue including through prior CFPB complaints yet they continue to bait-and-switch their customers with these shady " Chase offers '' on a regular basis. 

There are also many posts on XXXX from users who experienced the exact same bait-and-switch scam from Chase. 

Sure, it's a small amount of money, but the biggest bank in the country shouldn't be allowed to scam its customers with impunity regardless of the dollar value.
Consumer complaint received 2024-10-23
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. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (PA)

I reported a discrepancy in the total amount of loan I had taken and that I had made two payments on the loan that had not been noted. Further I reported that a former address was not a single family home but no changes were made. The property was my former college address.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

A discrepancy between the promised and actual reward for a credit card application. I applied for and received a Prime Visa credit card from Chase. According to the advertisement at the time of my application, I was supposed to receive a {$200.00} gift card, not the {$50.00} one I eventually received. 

Here are the detailed events : On XX/XX/XXXX, I saw an advertisement on Chase 's website regarding the application for an Amazon co-branded card. For the standard Amazon Visa, the gift card reward was {$50.00}. However, Amazon Prime members could apply for the Prime Visa with a gift card reward of {$200.00}. ( Unfortunately, I did not take a screenshot at that time, but even now, the Chase website shows a {$100.00} gift card for Prime Visa, higher than the standard Amazon Visa 's {$50.00}, as seen in XXXX ' ). Consequently, I subscribed and paid for Amazon Prime membership ( proof in XXXX ' ) .After this, I proceeded to apply for the Prime Visa XXXX XXXX XXXX XXXX, the sole application channel for this card. Even if one clicks on the application link on Chase 's site, it redirects to Amazon. I ensured during the application that I was indeed applying for the Prime Visa with a {$200.00} gift card reward. 

Shortly after, I received an email stating that I was approved for the standard Amazon Visa card with a {$50.00} gift card. I immediately found this unacceptable and called Chase. I informed them I had applied for the Prime Visa, hence should get the {$200.00} gift card. The representative mentioned they only received data for the standard Amazon Visa from Amazon. I explained that as a Prime member, I should be entitled to the Prime Visa, and expressed my intention to cancel the card and reapply. The card was subsequently canceled. However, when I attempted to reapply the next day, the website indicated I already held such a card. I contacted Chase, and they confirmed the card was canceled. They weren't sure why I couldn't reapply, but offered to issue a Prime Visa card directly over the phone, which I accepted. I believed that this should come with the Prime Visa 's welcome reward. Yet, to this day, I haven't received the reward I'm entitled to. I raised this issue with Chase, but they have refused to provide me with the {$150.00} difference in the gift card reward ( refer to XXXX ' ). From both the standpoint that I should have initially received the Chase Prime card and the perspective of being directly issued the Prime card after my phone complaint, I should get the matching reward for the Prime card : a {$200.00} gift card.
Consumer complaint received 2024-10-23
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> SXXXX 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 REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO OPEN ACCOUNTS. I DID NOT APPROVE ANYONE TO PULL MY CREDIT. 


To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection/ charge-off accounts listed on my credit report under the account. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (LA)

I recently filed a XXXX, in regards to collection company, NCB XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my XXXX XXXX XXXX emails and saw no mail images, from XXXX  XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX  XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, XXXX. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with XXXX. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX  XXXX, XXXX XXXX. 

After doing some digging for possible emails from XXXX, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX  XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that XXXX did their due diligence, in order for me to pay off the debt, being it was sold.