davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (ND)

To Whome It May Concern, Comenity Bank has been trying to call me regarding my debt with a XXXX XXXX Credit Card. Whenever I answer, it's an automated voice telling me to call them back, never a real person. When I finally did speak to them ( XX/XX/year> ), I told them I had just started a new job, I don't even think I had even worked my first shift yet at that time, and I made it a point to inform them that I didn't know when that first paycheck was coming, and as a result I would try to pay it in full by early to middle of XXXX. They have been non-stop calling me day in and day out since. I got XXXX phone calls last week and it's only been XXXX days into the week and already I have been called XXXX times between Sunday ( XX/XX/year> ) and Monday ( XX/XX/year> ). They call from both Comenity Bank offical numbers as well as privet numbers. Both days, the calls start at XXXX and finally stop at XXXX ( ish ) in the evening, so they are at least following the law in regards to the time, however, I did tell them the last time they spoke to me not to spam call me like this and I feel very harrassed. It's already hard enough telling a credit card company that you lost the job, throwing in the harassment makes it XXXX times worse and really difficult to talk to them regarding my issue. I would like the calls to stop. I'm trying my best to get them the money that is owed, but this is boarderling on unethical levels of harassment. 

I am more than happy to provide proof of the phone calls as needed. 

Thank you for your time.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

My Discover credit card was used without my authorization and knowledge and XXXX dollars were charged without my permission. I don't know how someone obtain my information. This started on XXXX XXXX and extended to XX/XX/XXXX. I reported it to Discover on XX/XX/XXXX when I first learned about it. Additionally, in XX/XX/XXXX I received a letter from XXXX XXXX XXXX that there was a Data breach about a cybercriminal act and that my personal information could have been taken. Discover claimed that after investigating no fraud was committed and it had to be me who made these charges or loan my card to someone who did. They need me to proof it wasn't me at these locations making the purchases to dismiss the charges. This was a stupid request and has led me to believe that they never investigated and are using pure speculation rather than investigating to come to a fair decision. I would like Discover to do what's right and remove these charges from my account. I didn't commit fraud on my account and I hope you could help me resolve this problem. 

These are the unauthorized charges as shown on my statement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I am filling in regards notification on my credit report. The accounts reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

such XXXX CFPB complaint numbers : XXXX XXXX XXXX XXXX XXXX XXXX with the complaints were : 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. 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, 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. 


the second complaint to all three reporting agencies were also : did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX-XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX  XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Equifax is violating the law by not removing a fraudulent inquiry they are reporting in my credit files. 

Equifax m has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to equifax. 

Equifax has record that I have provided an identity theft report and police report outlining this specific fraud inquiry issue and you will see required documentation to order this fraudulent and non consensual inquiry as listed as : XXXX. XXXX, XX/XX/2022 I could see where this was precariously overlooked, but this reporting by equifax is unlawful and they have had time to remove this inquiry that is also listed in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove the XXXX  inquiry, thank you
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (IL)

I have several issues with this new company that bought the product and I let them know it. I made a payment one month and five days after payment they reported the payment was not made. I called and complained and shortly after this happens...... They have closed my Indigo Mastercard account and refuse to provide the reasons to me over the phone. I have not made any requests for this closure. I called and spoke to XXXX, Employee # XXXX at XXXX XXXX ( Parent Company ) at XXXX XXXX XX/XX/24 to discuss. I then spoke to XXXX, # XXXX ( XXXX XXXX XXXX ), she stated they could not disclose any information whatsoever. This company had XXXX reason to close the account and it will affect my credit ratings. This is retaliatory!!!!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Notice this XXXX account # XXXX that was open XX/XX/XXXX on my credit report in XX/XX/XXXX that don't belong to me. I did not open up this account and is fraudulent. I contacted Equifax about this matter, and nothing has been done i have included a police report and a identity theft report.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/2023 I received a text from Chase Bank alerting me to possible fraudulent activity on my debit card. Looking at the details of the transaction and being aware that I had not made it, I replied 'NO ' to an auto-prompt to cancel my card. At this time I realised that my card was lost/stolen. 
XX/XX/2023 Looking through my online statements I saw three additional transactions that were not authorised by me and had occurred prior to my card being cancelled, at a total of {$420.00}. ( These were three in-person transactions, two at a XXXX XXXX and one at XXXX XXXX XXXX  XXXX ' all in XXXX XXXXXXXX, WA dated XX/XX/2023 XXXX I live/was in XXXX, WA in the weeks preceding these transactions ). I called Chase Bank and reported the fraudulent transactions and a claim was opened. 
XX/XX/2023 I received a letter from the bank ( notice date XX/XX/2023 ) that the charges had been investigated and found that 'the transaction ( s ) was processed according to the information you provided or was authorised '. I immediately called the bank and explained that this was impossible and requested they re-open the case. I was told that the money would not be credited and it is up to their discretion should they choose to investigate further. I requested further information and was not given any. I immediately filed a police report over the lost/stolen card and fraudulent transactions.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

It has been brought to my attention that you are not deleting files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX  XXXX Balance Owed {$0.00} XXXX Bankruptcy Court XXXX  XXXX Bankruptcy Reference # XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX continuously contact XXXXXXXX XXXX multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXX XXXX XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.XXXX XXXX XXXX again contacted XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXXXXXX XXXX  sent my concerns to the fraudulent team. I am still waiting!
Consumer complaint received 2023-10-28
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. (FL)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (TX)

I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

We have a fraudulent transaction for {$95000.00} that was presented against our bank account. 
We run a small XXXX  business in XXXX, Illinois. My son bought a load of cattle in Iowa at an auction ( XXXX XXXX XXXX ) in XXXX, IA at the end of XXXX and we sent them a check in the amount of {$95000.00}. The check cleared our account with the XXXX XXXX  XXXX XXXX XXXX, ( in XXXX XXXX Illinois ) at the beginning of XXXX. However, when we received our XXXX bank statement ( in XXXX ) we noticed that the check was no longer written to the auction company, it was written to XXXX XXXX XXXX in XXXX, Mississippi. The check number, the date, and the memo all remained unchanged. We contacted our bank immediately to report the fraud, we immediately contacted our county police department, and contacted the auction company to see if they had ever received our check, which they had not. 

There was a symbol showing up on the copy of this check that was not showing on the other checks clearing on that statement, but we could not make out what it said, it looked like a security feature that is common these days. I called our printing company to see if they could decipher what that symbol said, and it was the printing company who noticed that this check was unlike the others in our statement. Our checks have a decorative border, this one did not, our checks have a grayed area for the signature, this one did not, but it was a surprisingly good copy! 

Our bank started the process to have the check returned to the bank that accepted it ( JPM Chase ) on XX/XX/year>, and on XXXX XXXX the funds were back in our account, and they assured us that if the funds were still there on the 4th business day, we would be safe and all would be well. The 4th business day came and went. After XXXX days ( XX/XX/year> ) our bank notified us that the Fed was withdrawing the funds from us again! Our bank has been getting the runaround from Chase, they filed a claim with their Claims Dept, who said they needed to start a case with their XXXX XXXX XXXX XXXX dept, who said we need to go back to the Claims Dept! I even spoke with someone at JPM Chase 's Executive office. The entire process is frustrating and shameful on Chase 's part, they sit around referring us to the same departments all while our company is out a huge part of our working fund! 

I have reached out to the FBI, the mail delivery theft department and I contacted the FDIC, which led me to contacting the Office of the Commissioner of Currency. They suggested filing a complaint with them against our bank but I am struggling with the decision to do that because I honestly believe that the responsibility for returning our money lies with Chase Bank, as does every person in the Corporate banking world we have gone to for help!! We are grasping at straws and my niece worked for CFPB a few years ago and she suggested I reach out to you.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (AZ)

I was XXXX XXXX  from XX/XX/XXXX through XX/XX/XXXX. During this time, medical bills and living expenses were paid on a Chase JP Morgan credit card. This debt was charged off in XX/XX/XXXX by Chase JPMCB without regard for the context of medical debt, and long term XXXX considerations. Today XX/XX/XXXX this account shows as a charge-off of a significant amount, and catastrophically affects my ability to obtain credit fairly regardless of my income level. This is an unfair adjudication by JPMCB, I have tried on numerous occasions to resolve this directly with Chase JPMCB including offering to pay the debt in full in exchange for removal from my credit history. This is an unfair adjudication by JPMCB, I have tried on numerous occasions to resolve this directly with Chase JPMCB including offering to pay the debt in full in exchange for removal from my credit history. This is a retribution by a large bank conglomerate against a private citizen with an unforeseeable and complex circumstance.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024, I submitted a dispute through Experians online document submission form, requesting a detailed description of the reinvestigation procedures for items they had verified as accurate on my credit report. I provided the necessary documents, including my photo ID, social security card, and proof of address, to ensure proper identification. 

To date, I have not received any response from Experian regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation and provide information on their procedures when a consumer disputes the accuracy of items on their report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports