davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (AS)

My father is a Chase cardholder. Last year ( unbeknownst to myself and my father ) Chase issued a card to my name XX/XX/2015 ( it could 've been XX/XX/XXXX but if I remember correctly from what their rep told me it was XX/XX/XXXX or XX/XX/XXXX ). XX/XX/2015, I XXXX ( my father 's daughter ) received the physical credit card in the mail with my name on it. I was under the impression that I had been approved for a credit card with Chase until one month later my father said he has charges showing on his billing statement that he did not authorize. I looked at it and saw that they were charges I made and apparently " my '' Chase account was not really mine but my father 's, and I was obviously an approved user added to his account. My dad has refuted this action as he has told me and the Chase staff that in no manner, shape or form did he request to add me to his account prior to this incident ( XX/XX/XXXX ). For whatever reason Chase had issued my dad a card to me ( his daughter ) without my dad 's express consent. They have been calling seeking payment for these charges but my dad ( and he is a military vet and in his XXXX 's ) very firm about being held accountable for something he is not liable for ( unauthorized purchases ), and especially stemming initially from an unauthorized action taken by Chase Card Services. The company has informed me that they too, are concerned about this " unauthorized '' issuance card matter and would investigate and get back to me. For several months I 've not heard from them. And just today they called me and said 'Oh bad news, but your dad 's account is beyond resolve, unfortunately, we have to forward ( or have forwarded ) to collections. ' But I said 'Quite odd, I had been waiting all this time and you never got back to me. ' Oh well, we are telling you this is no fraudulent activity surrounding the purchases on this card or issuance of the card but clearly your dad called and requested to place you as a cardholder- no other explanation. ' ( Even after I told them that my dad had previously spoken to customer care and stated that he did not request issuance of card..still they insisted that my dad did call and request or they believe my dad " forgot '' this detail. This is utterly absurd-negating the facts. Also they said they could not provide evidence or date and time my dad called to request issuance of card. ) I feel that they had not proceeded this matter with collections but because I had stated today that if their fraud department could not assist ( as they stated they would get back to me ) that I would have to contact Better Business Bureau or a consumer rights attorney and learn what my rights or protections are available to me and my father. 

I need your help please! 

XXXX
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

LVNV funding and XXXX is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked LVNV for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from my credit report.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX account # XXXX date opened XX/XX/year>XXXX XXXX
Consumer complaint received 2023-09-17
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. (GA)

this Person ( XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. Also, they have violated FDCPA unfair Practices and by law are liable to pay up to {$1000.00} for each violation under Civil liability.
Consumer complaint received 2023-09-17
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. (NC)

XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX  XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. XXXX XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . XXXX XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Reported for : OVERDRAFTS Date of closure XXXXXXXX XXXX  / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX XXXX  : XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX XXXX  / ACCT # : XXXX Charge off amount : {$3900.00} Inquirer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirer Date ; XX/XX/XXXX Inquirer ; XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX On Behalf Of ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX XXXX Date : XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$2500.00} XXXX XXXX XXXX/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX XXXX/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-10-26
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (NJ)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : Capital one bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX Capital one XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

My payments are mailed on the XXXX  or XXXX  of the month for a payment due date of the XXXX. They are telling me that seven to ten days is not enough time for my payment to arrive at their facility. They seem to be processing my payment the day after the due date and then charging me a XXXX XXXX dollar late fee every month. I HAVE HAD THIS XXXX  credit card for XXXX some years and never had a problem with paying on time. Since this Comenity bank took over there has been problem after problem. It seem they are getting the payment then waiting to process it to generate a late charge. I believe their banking practices need to be looked into. Im working on getting another loan to pay that card off so I no longer have to deal with these people any longer. But if they are doing this to a lot of other people then they could be generating a lot of income besides the money they are already making off the interest. Seems like a scam to me. I could be wrong. Hope some one will look into this. By the way. The payment is leaving XXXX Pa To go to Texas. Which I could drive there and back in four days thats with a ten hour break every day. Thanx XXXX XXXXXXXX
Consumer complaint received 2024-05-17
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. (TX)

The reporting of the account from XXXX XXXX XXXX # XXXX BALANCED AT $ {$350.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b.

Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2023-10-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending XXXX statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Consumer complaint received 2024-05-17
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. (TX)

The reporting of the account from XXXX XXXX XXXX XXXX XXXX  AT {$1000.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off XXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( XXXX ) ( b ) and SECTION XXXX 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

I'm asking Chime to provide the documents used to open the account using my name without my authorization and my knowledge. The documents I'm asking for is ID, proof of address, phone number, email, tax report, etc. Also, as per statement provide by Chime, the address used is an address that I lived there until early XX/XX/XXXX. Note that the account was open on XX/XX/XXXX. 

BY LAW TO OPEN AN ACCOUNT MUST BE PROVIDE A VALID ID, SSN, PROOF OF ADDRESS, .... 

Chime must provide HOW obtain fraudulent my information and provide the DOCUMENTS used to open the account. Chime and their banks partner must follow the law. 

The company Chime responded with a generic response without saying anything. 
Chime must be responsible for the accounts opened, as per law, to open checking account they obtain a valid ID, SSN, proof of address, etc. 

I want to know how Chime obtain my information without my authorization. Since I never ever had any contact with Chime. 

Also, in one of the emails the Chime sent to me when I asked the documents, contains the statement of other Chime 's client, showing that Chime does not have any control, did not complain with the law and does not protect the client 's sensitive information.