davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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)

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts and paid, never late.

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions Please Update to Never Late ) XXXXXXXX XXXX Account Number : XXXX Dates that need to be updated to current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I had 7 personal credit cards with Chase bank. The first since XXXX. There was a total of {$98000.00} in credit available to me. Every month I paid the balance in full early or on time. I do not believe I ever incurred an interest charge. Last XXXX I disagreed with the CEO, XXXX XXXX on social media. On XX/XX/XXXX I received a letter stating that all mu accounts would be closed within 30 days due to a public records search. No specific reason was given and all my cards were closed.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I opened my Flagstar checking account on XX/XX/year> and applied the {$250.00} promotion. The promotion stipulates that I must ( XXXX ) make a minimum opening deposit of {$50.00}, ( XXXX ) receive an XXXX deposit of {$500.00} or more, and ( XXXX ) maintain a minimum {$500.00} balance for 90 days. I made an opening deposit of {$61.00} in cash on XX/XX/XXXX and a XXXX deposit of {$500.00} on XX/XX/XXXX. I maintained the {$500.00} balance for more than 90 days and inquired when I can expect the promotional bonus to hit my account. The different customer service representatives provided varying explanations as to why I don't qualify for the bonus. I explained my situation and was told to reach out to the branch that opened my account. The branch XXXXanager informed me that I do qualify for the bonus, and that I should see the bonus hit my account in a couple of days. I reached out to the branch manager to follow up, and was told that by banker that the branch manager will call me back. I have yet to heat back.
Consumer complaint received 2024-04-12
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently looked on my credit reports from TransUnion website, My Fico.com and XXXX XXXX  on XX/XX/year>. I noticed several inquiries that did not have " Permissible Purpose ''. According to the Fair Credit Act, anything that's reporting on my credit report must have Permissible Purpose according to USC 1681 B. I sent a notarized and letter to TransUnion dated XXXX informing them to delete the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX, XXXX, & Equifax continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Inaccuracy reported by credit reporting agency which asked to correct Paid as agreed no lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MO)

SHELLPOINT XXXX XXXX previously known as XXXX XXXX XXXX XXXX has requested proof of insurance multiple times. I have responded each time they sent me a request. And I have uploaded the actual policy in PDF format at least twice. In spite of my efforts, the company, on their own, purchased a policy on my behalf and have added {$330.00} each month to my mortgage bill. It was {$400.00} total previously. This unilateral, draconian action has raised my mortgage payment to {$740.00}, which I am struggling to pay.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (TN)

While applying for a home loan I discovered that I had a collection reporting from a Zion debt which i did not recognize so I contacted the company to see who they were and when I had an agreement with them and for what services ; and I was only transferred and kept on hold. I have tried for days to get this resolved with the company so that I can move forward with my home purchase but I am not getting a response from them anymore. 
I believe that is account is due to fraud ( which also happened around the time this account was opened ) and would like for it to be removed form all of my credit files. 
This is causing my credit to be adversely affected and preventing me from obtaining a home loan to purchase my home.
Consumer complaint received 2024-07-22
Product: Credit 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: Affirm Holdings, Inc (GA)

This issue is related to a fraudulent transaction for a XXXX XXXX from an online retailer named XXXX in the amount of {$92.00}. I purchased the watch with an Affirm Visa card ( ID : XXXX ). The watch was never shipped and never delivered. I emailed the merchant through the info provided on their website with no response. I disputed the transaction with Affirm ( Case ID Number : XXXX ). I am currently getting delay tactics when I inquire about the status. This is their normal run-around process when inquiring about a resolution status. This can be confirmed through a XXXX search on Affirm Customer Support ... many XXXX complaints. I reached out to Visa who said the issuing bank for the card was XXXXXXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX. The bank was quick to tell me that they were not responsible for chargebacks. I called Visa again who agreed to host a 3-way call to help resolve the issue. When we called the bank and asked for their chargeback department we were transferred to a company named XXXX who said they did not represent the bank but suggested that I submit a complaint with this organization. Chargeback is the normal path when you purchase with a XXXX and the merchandise is never delivered. Please assist. Thanks.
Consumer complaint received 2024-06-15
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: WELLS FARGO & COMPANY (UT)

Wells Fargo refuses to provide its customers with an itemized bill for their charges and are unable to terminate a customers credit card with them. I spent no less than 3 hours with representatives at Wells Fargo to get a claimed owed balance of {$100.00} explained ; I talked to no less than 6 or 7 representatives to get an itemization of that bill and had to repeat my predicament to each representative ( which was a sheer test of patience and tolerance ). A dishonest person used my credit card illegally and made 2 charges on it a couple of months ago ; Wells Fargo told me that they made a full recovery on both items. So, those expenses have no relevancy with the current {$100.00} charge. Of that {$100.00} balance, they can only show I approved 2 billings on that credit card ( 1 for {$21.00} and a 2nd for {$17.00} ). So the only charges I authorized ( and that they acknowledge ) total {$38.00} ; when asked for an itemization for the remaining {$65.00}, I was refused. All they wanted to talk about was the activities of the dishonest person they caught and got financial restitution from, not what I had authorized. Unable to come up with an explanation for the {$65.00} charge [ and identify the retailer ( s ) associated with that charge ], I was simply passed onto another representative to repeat my concerns all over again in a deliberate attempt to frustrate ( and they succeeded ). I do have a rewards balance of {$30.00} on their credit card and they refused to apply it to the {$65.00} balance or offer the benefit directly to me.

Unable to appreciate Wells Fargo total disrespect and their claims that their bank is above the law and not required to justify anything, I then demanded that they ( Wells Fargo ) invalidate, void and terminate my credit card. They refused to honor that demand.

That dishonest person tried to rip-off Wells Fargo for {$300.00} and for {$50.00} ( on the same day ). How the {$100.00} balance is formulated makes no sense ( the one dishonest charge was for {$300.00}, so why the balance is not {$410.00} remains a mystery [ {$300.00} plus {$100.00} ] ). If Wells Fargo lied about the financial recoveries they made from the dishonest person ( or company ) ; well, that is reason for a second complaint. If Wells Fargo wants to punish a customer because their recovery team is understaffed, inept or slow to react, that is also reason for a second complaint. Of course, I am operating under the assurance that Wells Fargo offers theft protection ; if not, then that is reason to amend this complaint. All I ever wanted was to talk to someone who knows what their talking about or demanding and was refused.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

XXXX XXXX XXXX sold a fraudulent debt to Vance & Huffman collection agency. The XXXX debt was fraudulently opened via identity theft. I had reached out and provided documentation ( along with the police report ) years ago proving the debt was not mine. Therefore, XXXX stopped attempting to collect. However, they've now sold the fraudulent debt to Vance & Huffman, who placed a collections account on my XXXX credit report. I notified XXXX that the debt was fraudulent, but they have not removed it from my credit report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Under the Fair Credit Reporting Act, the information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The above accounts have violated my rights. 

Names : 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 XXXXXXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate items. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

According to 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

XX/XX/year> in XXXX of XXXX my credit report was showing a dispute allocation from the dark web from my XXXX XXXX business account phone. My account was showing two data breaches from XXXX  and XXXX severs send grid arising disputes of employment from my account. i am showing a background record of the trespass from my business XXXX XXXX XXXX employee in XXXX. So I filed a XXXX business affidavit along with the XXXX due process of collection from my bank. I also submitted a report with the FTC and Office of comptroller of banks. I also am following up with the OIG office of inspector general showing my account was expired by a list of credit bureaus from the attorney general. My account restoration officer opened a case her name is XXXX XXXX with the XXXX XXXX breach showing the account was hacked with a XXXX business affidavit from a XXXX phone from my XXXX account using my log in credentials with XXXX and XXXXXXXX XXXX XXXX  showing my account has been identified as a XXXX security criminal using my alia as a fraudster to gain access to my files and distort evidence proving my account was a log in breach report with the local agencies. I have opened the XXXX XXXX business account with XXXX XXXX and my info was on the dark web showing a dark web data breach. I also want the files showing error in allocation of the dispute arising on the date was breached on the dark web showing reports for the case number filed in the section. I have a case worker and report from my team support making a dispute charge using my XXXX phone XXXX there was a XXXX suspension on my account when it was used for filing taxes in XXXX XXXX  walked to the XXXX. I have a broken screen has not been replaced I still have the phone but my account was hacked and my computers were stolen. I have a missing report on my XXXX report. I also have a case manager who state the phone was hacked with XXXX credit bureau credentials using my log in termination. So I have ended my plan with XXXX and my phone is not sending in the XXXX XXXX  log in without the phone number that has my error of dispute with identity theft from the credit bureau. My account was expired and breached on the dark web. I have a list of XXXX tax forms due process of payment from my bank and it was not showing on my credit report from XXXX business. Starting with XXXX XXXX XXXX XXXX. I would like to open a identity theft dispute of my business account from XXXX XXXX XXXX and property assets with the mortgaged certificate of origin from the error of dispute identity theft of my bank account.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (FL)

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. Chase gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. One month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. Chase lost it. I submitted another dispute form and it magically disappeared again ( my guess was Chase wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. CHASE LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my XXXX dispute form over the course of several months. Chase lost it again. When I finally submitted my XXXX dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and Chase refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (GA)

XX/XX/XXXX - This collection was removed before from my report, because another company had no validation or proof of debt XX/XX/XXXX - this collection was placed back onto my account by this company ( rent Recovery ) XXXX Disputed these charges because once again this company has not provided me with anything. 

XX/XX/XXXX - noticed this collection was on my account again XXXX I contacted company, they gave me refusal of account information XX/XX/XXXX - contacted company I was told by the agent handling my account that I will not be receiving a Validation of Debt Letter because they do not have to provide one anymore. I explained that was against the law to tell me I have no right to challenge the debt. I provided a mailing address where they could send the information and was once again denied. 
This claim was from XXXX and is also past the Statue of Limitations, I have asked this debt collector several times to remove this.
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (AZ)

This company sold this loan after telling me they would wait several months until I had a settlement come in, then they never told me they sold the loan to a company called XXXX XXXX. 
XXXX XXXX just placed the debt on all my credit bureaus with zero notification or a chance to confirm or deny this loan, this caused another creditor to disqualify me for a loan that would have paid the balance off in full! 
When I contacted XXXX XXXX they have no idea they violated my rights or my rights under the ADA. 
I was told they would remove there entry on my credit files as well as Oportuns entry. 


Oportun has closed this account and stated it was 100 % paid in full. But then states several negative things that hurt my credit and overshadow any positive results.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have documentation proof that Equifax provided other bank lenders inaccurate information as it pertains on a credit reference. But the problem still remains until they decide to remedy the situation. Another issue is that its been over 60 days in waiting for a status. Recently I mailed a written personal disputes letter in accordance with FCRA addressed to Equifax Disclosure Department. Their response was for me to identify credentials to them via mail as proof even though the letter identified w/my credit report digit XXXX.