davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OK)

I was mistakenly {$20.00} short each month on 24 payment XXXX procedure. When 24 months were up, XX/XX/year>, next day they charged interest on the whole {$4800.00}. I sent in {$690.00} to cover shortage but still want me to pay {$2300.00} interest charges. I called # on back of card and all said nothing they could do and would not transfer me to a superior. Wrote a complaint to company and received same answer. Im willing to pay 29 % APR on {$480.00} for 2 years and/or late fee. I also went paperless.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (CA)

My name XXXX XXXX during pandimic i worked started my small bussiness at covid i appled for XXXX small bussiness loan i was approved for XXXX XXXXXXXX of XXXX a XXXX  loan of XXXX and loan for XXXX as soon as it hit chase bank was frozen and account closed said loan got not bussiness account which XXXX  can be personal account recive the funds i have proof all my bussiness i got tax paper ive turned in proof the bank refuses return loan from gov and now told pay money back refuse give i showed everything bank still refuse to send money back to XXXX  or have access its over XXXX took hold and im told time pay loans back if dont pay im told go prison be charged also im XXXX on ssdi through social security payment went in stole that with the loans i never got XXXX loans now XXXX XXXX me to pay loan back that chase bank refusrs give back they XXXX  all money i need help im being threaten from gov i dont pay prosacute me for loan chase bank refuses to give back send back to XXXX  holding it for years XXXX stressed out over the amount loan i got approved sba and XXXX ssdi payment refuse give back its illegal take ssi payment so closed account refuse give anything back if dont pay what chase bank taken refuse rreleade funds XXXX told go prison sba see account got money soon hit was froze the told suspended i did nothing illegal or wrong i looked up online get help bank stealing loans if need to send u all proof of loan bussiness to XXXX XXXX stressed out money stole is my responsibilty loan but i never got any of money so bottom my XXXX can u investagate my case please i beg u its loan through gov and told go prison if dont pay what they stole i please please beg u help me im so lost what to do i want report chase bank robbed everyone XXXX XXXX  and XXXX loans and on XXXX XXXX stole a XXXX  payment i lost everything when stole froze funds they got all bussiness info ever time try say need more i can send u all proof bussiness my rax papers please beg u hel me im breaking down amount my life XXXX  with jail if dont pay loans to gov back please hel me what can do so XXXX  over the robbery chase bank did
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST MERCHANTS CORPORATION (AR)

I have been charged the monthly dormant fee in XXXX 2024 and onward. The dormant fees starting from XXXX 2024 should not be charged because I clearly had two activities on my account ( two separate deposits from another bank ). The rule of the banks is that if an account has no activity for 12 consecutive months, there will be a dormant fee. In my case, since I had activities in XXXX 2024, I should not be charged for the dormant fee in XXXX 2024 and the following months. 

I called the bank requesting to close the account and get a refund for the dormant fees. I finally talked to a higher-level manager. The higher-level manager said that she would close the account and refund me for the dormant fees. On XX/XX/year>, the higher-level manager called me and mentioned that she just closed my account. I then asked her about the dormant fees. She said that she forgot to refund me for the fees before closing the account and since she just closed the account, there is no way to issue a refund. She firmly said that once the account is closed, there is nothing she can do, and there is no way at all to refund me for any types of fees.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Raised limit on a secured credit card without my authorization XX/XX/XXXX The Mortgage dept did a credit inquiry without my authorization XX/XX/XXXX WF signed me up for overdraft protection and connected it to a WF CC without my authorization, XXXX WF took off overdraft protection end of XX/XX/XXXX without my authorization I deposited a paper payroll check on XX/XX/XXXX and there were insufficient funds, no overdraft protection WF put a hold on the payroll check from XXXX WF put overdraft protection back on my acct XX/XX/XXXX connected to a WF CC until XX/XX/XXXX without my authorization and then it was removed without my knowledge XX/XX/XXXX Recvd letter WF enrolled me in a XXXX party Affinion product, identity theft protection policy from XXXX ( they wont disclose the monthly charge nor give me bank statements ) XX/XX/XXXX Recvd letter WF enrolled me in a XXXX party affinion product, Accidental death policy from XXXX. 
XX/XX/XXXX Recvd a letter WF enrolled me in a XXXX party affinion product, Credit Defense policy from XXXX I stopped banking at WF after they put the extreme hold on my payroll check XX/XX/XXXX, I paid on the WF CC until XXXX when i noticed unauthorized charges, WF continued to charge that WF CC that reported written off, charge off and closed in XXXX for that accidental death policy until XXXX. Allowing a CC with a limit of XXXX to extend to XXXX.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (TX)

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent. Please delete from Experian XXXX XXXX.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with ( company name ) for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

There is an account on my EQUIFAX report that is out of date and does not look familiar to me. I have made this account aware to EQUIFAX, yet they state the account is verified but it's not been updated since XXXX.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Security Credit Services, LLC (NJ)

On XX/XX/2023 I sent out a dispute letter for validation of the debt thats in collections and the company security credit services did not or could not validate the debt. I reported the alleged debt to the police and I also reported it to the identitytheft.gov that the alleged debt was fraud and I did not apply for merchandise or receive the allege merchandise for this alleged debt. XXXX and XXXX has removed this alleged debt from my credit profile while XXXX is still reporting this alleged, fraudulent debt on my credit report.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I called XXXX XXXX after calling 7 other credit card companies ) to explain I am getting ready to get a divorce and wanted to make sure my name was not listed as an authorized user and to remove my name if it was. The agent told me there is no way unless speaking to the primary. I had already provided sufficient information to get the account accessed and the agent had it in from of them. I asked for a supervisor. I explained to the supervisor I work at a major credit card company as a supervisor and have called 7 other companies today who were happy to advise if my name was on the account or not since I am not asking for more account specific information. Not only did the " supervisor '' tell me they can not without the primary cardholder but said I could not file a complaint with the bank but need to go to Kohl 's website. When I asked what bank they worked for the supervisor said Kohl 's. I asked again and said you work for a bank not kohls... Which bank do you work for, the supervisor finally told me capital one. I then asked for executive information and was told hours. It took pulling it out of the supervisor for an actual phone number.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (OR)

This card and 1 other were opened XX/XX/XXXX and I have never had this card in my possession. I reached out to the company XX/XX/XXXX and was told that I would get a call back and never did. I called again in XXXX and same thing happened.
Consumer complaint received 2024-09-02
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. (MA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2024-05-24
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: ALLY FINANCIAL INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear ALLY FINCL, I am writing to address a concerning violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the laws of XXXX XXXX 

It has come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, the laws of XXXXXXXX XXXX emphasize the importance of protecting consumers from unauthorized access and misuse of personal information. 

I assert with certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the laws of XXXX, XXXX Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXXXXXX XXXX laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is ALLY FINANCIAL Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Dispute requested multiple times. My account is missing payments from my report therefore marking account late. Was not 30 days late for XX/XX/XXXX, missing payment on credit report. 
-not 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
-Payments reported on wrong months. 
- was 30 days behind for XX/XX/XXXX and XX/XX/XXXX. 
- have proof that they only sent me late notices for XXXX and XX/XX/XXXX. 
-Company changed names late XXXX. 
-Paid twice some months. 
-Was late XX/XX/XXXX, paid in XX/XX/XXXX and made XXXX payments online in XX/XX/XXXX. 
-Monday, XX/XX/XXXX. Requested letter stating months I was late, she stated she would get back with me but no response.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my NUMEROUS 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 Balance : {$0.00} 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 2024-05-20
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: AMERICAN EXPRESS COMPANY (MD)

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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