davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX has flagged my credit report with several late payments and my account is set up on auto pay. but furthermore, please see below
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15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXX  Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX XXXX Balance : {$380.00}
Consumer complaint received 2024-04-09
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. (WA)

( SEE ALL ATTACHED DOCUMENTS TO THIS COMPLAINT ) XXXX XX/XX/XXXX Dear Experian, There is information on the consumer credit report you have assembled with my name, XXXX XXXX, that is a result of identity theft. I did not initiate, nor did I provide any instruction for the identified transactions to be furnished on my consumer credit report. I am now requesting that you block and remove the specified information from my report within four days as specified by law. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. I obtained no possession of goods, services, or money as a result of these fraudulent transactions. The identified transactions are not information related to any transactions by me as the consumer. Please block and remove the following items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have mailed your identity theft department all documents as well. 
Regards, XXXX XXXX
Consumer complaint received 2024-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Under my knowledge after checking my credit report and doing further research I request further investigation under my knowledge a charge off can not have a balance being that the company has filed a 1099-c meaning the debt has been paid .Please DELETE this inaccurate.information form my credit report
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

Chime closed my account because I filed a dispute on a charge that was fraud. I called customer care and was constantly over talked by the representatives who were obviously reading from script and after asking for a supervisor for over 45 minutes I was transferred to someone who said they where an escalation supervisor who did the exact same thing so I asked who do I file a formal complaint with if I want to complain about chime as a company the agent kept putting me on hold and offering unrelated information after the conversation escalated the call was ended I violated no policy of chime they didnt want to give me my money back then after closing my account for no reason they deposit a refund and say I have to wait 14 business days just even get a check sent out Ill be waiting months to cash a check thatll cost more to cash than its for all because chime didnt like that I was rightfully upset that someone was agin able to steal from my account and I had to suffer this is harassment and discrimination the constitution protects my right to freedom of speech that should not have closed my account I will be taking legal action I expressed to them that chime wasnt a good bank and that after my refund was deposited and I withdrew I was closing my account and obviously it was used against me literally the day after they email closing my account they email me depositing my refund
Consumer complaint received 2023-12-27
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. (SC)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XX/XX/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
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I agreed to have XXXX install a system, they would own, on my roof. They would provide electricity to XXXX, local electric utility, which would reduce/eliminate my bill. I would pay $ XXXX. 
After 18 months XXXX installed and turned on system ( seemed long ). Began to charge me $ XXXX. I objected to the new cost. XXXX ignored my hard copy mailings. Made harassing phone calls demanding immediate payment. 
After 6 months XXXX shut off the system. 
& demanded I pay them {$37000.00}. 
I have an attorney to deal with that, however... 
XXXX turned the matter over to Caine Weiner, a collection agency, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I have demanded an accounting of the debt from Caine Weiner. 
They have ignored several certified mailings. 
The failure to provide an accounting is the matter foundational to this complaint now
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

Upon divorce, I changed account information to a private, non-shared account. That was done in XXXX. They have since been sending account information to the wrong email address for 4 years. 
Today, and only today, they have acknowledged on a recorded line that they violated my personal privacy rights by sending it to an incorrect email address.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America ( BOA ) apparently issued a credit card to someone else using my name. The " fake account '' was able to run up a balance of {$30000.00} before BOA closed the account. All three credit bureaus showed this fraudulent account on my credit report as 120 days past due. I contacted BOA in XX/XX/XXXX, as soon as I knew that this was taking place. I contacted BOA again on XXXX. Beginning XX/XX/XXXX, I have contacted them over a dozen times. In each case, I get transferred around to get the " right department ''. I have been hung up on twice and had employees refuse to identify themselves. They have made promises and done nothing to fix this problem. I submitted a FACT Act request for information. BOA has sent me the statements of the account. However, they declined to send the application for credit for the fake account in my name. I have filled a dispute with all three credit bureaus. XXXX and XXXX have removed this false information from my record. However, XXXX maintains this false information on my record based on corroboration they received from BOA. BOA caused this problem and has refused to correct it. This has affected my ability to obtain credit.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX Department EDU Acct # XXXX US Department EDU Acct # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint : 15 U.S.C 1681 I didn't authorize anyone employed by these companies to make any inquiry and view my credit .This is a serious violation of the fair credit Reporting Act Section 1681b ( c ) a serious breach of my privacy rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : its also states a consumer Reporting agency can not furnish a account without my written instructions therefore this need to be deleted off my account ASAP
Consumer complaint received 2024-05-23
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. (TX)

A fraudulent claim was made through my online bill pay where someone set themselves up as a payer and sent themselves a check through my checking account. The bank initially refunded the funds and then withdrew them stating that the charge was not fraudulent and appeared to be legitimate. I did not make this payment and the person 's name, phone number, and address are falsified. Chase has denied my claim over 5 times and they say there is nothing they can do and there is no recourse. I live on a fixed income and this amount of money means missing mortgage payments and other bills. Chase does not offer any other recourse.
Consumer complaint received 2024-07-25
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. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Personal Finance Center (GU)

the company refuse to tell me why there is a large pay off when the Loan matured on XX/XX/2023, they will not tell me way or show. or send paper work to way Now they say there going to sue me for a payment. Of XXXX. XXXX of which is not mine this is a Predator. I am XXXX livening on SS The want me to take a loan out to pay them. At a rate of XXXX present Please help sincerely XXXX XXXX
Consumer complaint received 2024-02-02
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: SANTANDER HOLDINGS USA, INC. (AL)

I'm in the process of purchasing a home and I realize that I had damages on my report and according to 15 U.S.C 1681this is defamation of character
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
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: JPMORGAN CHASE & CO. (TX)

I signed up to become a member of a ( scam ) company called XXXX on XX/XX/XXXX. No specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated 2-3 weeks. At the end of 2 weeks they extended the date another 2-3 weeks, and so on and so forth for about 4 months. The company kept hosting XXXX  meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$490.00} to become a franchise on my chase debit card On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I immediately filed a dispute with Chase for non-receipt of merchandise. Even through it has been more than 120 days from the purchase Chase 's polic it has NOT been more than 120 days since the company promised us our cards and website access that had been continually delayed due to " numerous issues '' and it has NOT been more than 120 days since I was notified that the merchandise would never be sent. On XX/XX/XXXX Chase denied my claim for the 120-day rule. I called a manger and explained that although it was 120 days from the purchase, it was NOT 120 days from the " new '' date of the promised product to be sent. I told the manager at Chase that I never received any request from Chase to provide documents. My XXXX  XXXX  also paid {$25.00} each on their debit cards to get tranzact cards which they also never received. In XXXX we received email from the company stating that the new company launched named XXXX, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their zoom meetings but I never recorded the meetings. 
I believe Chase is being abusive in their application of Regulation Z, because the time clearly starts following when the product is to be delivered/received. In this case, the " delivery '' date was moved every few weeks, so we were never more than 60 days outside of our promised delivery date. I have filed an FTC report about the fraudulent company : XXXX This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in Utah back in XXXX. The charges pertained to XXXX running two Ponzi schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXX count of XXXX of Unlawful Conduct ( page 3 ), a XXXX XXXX XXXX XXXX XXXX XXXX' )
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (WY)

On XX/XX/XXXX, I messaged Comenity Bank 's Customer Care Team regarding my XXXX 's Credit Card being charged a minimum interest balance of {$2.00} on a XXXX balance, which proceeded to accrue late fees and other minimum interest charges to a total of {$30.00} as of XX/XX/XXXX. I had fully paid my credit card with them down to a XXXX balance as of XX/XX/XXXX, but had been charged a minimum interest charge of {$2.00} as of XX/XX/XXXX, XXXX stated it was because my account was not paid in pull by the billing due date, which it was. The billing due date, in this case, was XX/XX/XXXX, and my card was paid in full as of XX/XX/XXXX. This caused a string of late fees as well as additional minimum interest charges to accrue on this card from XX/XX/XXXX, to XX/XX/XXXX, which I believe is incorrect on the company 's side. I ended up discussing further with the Customer Care Team and was refunded the majority of the late fees and finance charges, however they still negatively reported against my credit score and labeled me as XXXX days past due. The entire reason that I was considered as " past due '' was due to their charging of a minimum interest balance on a XXXX balance, which is illegal. I ended up paying an additional {$5.00} to this company as of XX/XX/XXXX, for the charges they did not refund, which is the same date that the reported me as " past due '' to my credit reporting agency. I strongly believe that this entire situation is not correct and should not be reported against me to my credit reporting agency. 

I called this company on XX/XX/XXXX, to inquire on how to dispute this situation, and was met with a runaround on who to contact and how to contact them. Seeing as this got me no resolution, I turned to writing a letter with my statements enclosed for their viewing. I sent this letter to multiple different departments of this bank on XX/XX/XXXX, and still have not heard from them and my XXXX XXXX is still negatively impacted. I feel that this is a gross injustice as it is likely affecting not only myself, but thousands of others that have cards with this company.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Caine & Weiner Company Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to Caine & Weiner Company Inc . I am requesting debt validation. I am requesting the purchase agreement between Caine & Weiner Company Inc. and the original creditor XXXX. I am requesting proof that Caine & Weiner Company IncXXXX Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
XXXX. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of Caine & Weiner Company Inc. communicating with me through email/text/calls. 

Sincerely, XXXX XXXX