davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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: JPMORGAN CHASE & CO. (MA)

I currently have a Chase Credit card in good standing. Over the past year, Chase has attempted to open XXXX fraudulent credit cards in my name, including hard credit checks. Under FCRA, I understand I have the right to receive a copy of the fraudulent application that was filed in my name. I have made numerous requests to Chase and they state they are " unable to provide this information. '' As recently as tonight, I spent XXXX hour on the phone with Chase. I was escalated to supervisor XXXX. I again informed her that I wished to exercise my rights under FCRA. She stated that her instructions were to inform the customer that she Chase is not provisioned to provide that information and to transfer to a phone number. I asked repeatedly if this phone number was another department within Chase and she said yes. Ultimately, she transferred me to the automated FTC identify theft line that provides pre recorded advice about freezing ones credit. I am filing a complaint, because Chase is refusing to comply with FCRA. My desired resolution is that Chase provide me with all documents it is required to provide me with under FCRA, redo its call center procedures to comply with FCRA, and compensate me for my time. Additionally, I think its ridiculous that Chase continues to open fraudulent accounts for an existing customer when I have informed them numerous times that I have no desire to open another account with Chase, and have asked them to flag my name and perhaps call me first ( they certainly have my contact information ) before proceeding with opening additional lines of credit.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp. (MA)

Tru Accord XXXX XXXX XXXX XXXX contacted me about a charged of debt. {$470.00} XXXX XXXX XXXX XXXX XXXX Automated Agent ) ( TrueAccord ) XX/XX/2024, XXXX XXXX Hello XXXX, XXXX, XXXX Please read below for important disclosures.

TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. We are required under state and/or federal law ( XXXX ) to notify consumers of certain rights. This does not include a complete list of rights you may have under state or federal laws or regulations. Federal Law or other state laws may also provide you with similar or even greater rights. 
Nothing on this page changes any of the rights we have previously explained to you. 

XXXX TrueAccord is licensed by the Department XXXXf Financial Protection and XXXX, license number XXXX. 
XXXX  Our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, license number : XXXX XXXX TrueAccord Corp is licensed to operate under permit number XXXX. 
XXXX  XXXXrueAccord Corp is licensed by the 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 2024-06-25
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: CMG MORTGAGE, INC (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-06-25
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. (NY)

Dates : XX/XX/2024 around XXXX in the morning. 
I recently purchased a bacon bbq mother cruncher sandwich at XXXX, and upon inspecting the food, I discovered mold on the burger bun. This is extremely disappointing and unacceptable, as it poses a significant health risk. I have attached photos of the moldy bun for your reference. I went to the store the next day, they refused to give me a refund. Also one of the employees said that sometimes there are molds on the buns, its normal. I tried to dispute with my chase bank credit card, but the dispute got refused. The credit card company wasnt helping me with this issue. So, once again, I kindly request a full refund for my purchase.
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Systems International, Inc. (TX)

Credit Systems International Inc has defamed my character, and creditworthiness and continues to commit periodic invasions of my right to privacy. They have furnished an unverified alleged debt to multiple third parties, including but not limited to XXXX, XXXX, and XXXX. This has caused me financial harm, emotional distress, and embarrassment. Due to their unfair furnishing of this unverified information, I've been denied credit on multiple occasions.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (MA)

I am writing to formally dispute several unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me and have negatively impacted my credit score. Below are the details of the inquiries in question : XXXX Report : XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Entries ) Inquiry Dates : XXXX, XXXX, XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX Equifax Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Entries ) Inquiry Dates : XXXX, XXXX, XXXX Type : XXXX XXXX XXXX  XXXX Dates : XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXXXXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. Section 604 of the FCRA specifically states that a consumer report may only be accessed for certain permissible purposes, and I did not authorize these hard inquiries, which means they should not have been included in my credit report.

Due to the unauthorized nature of these inquiries, I request that they be removed from my credit report immediately. These inquiries are damaging my credit score and affecting my financial health unjustly.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-06-25
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: Rent Recovery Solutions (GA)

I've recently received my credit report from all credit bureaus about the charge off account. According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. I am writing to formally request the issuance of IRS Form XXXX ( Cancellation of Debt ) for the account that have been charged off by your institution. After checking my most recent report the updated information stated that you purchased the account from XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report, Especially, if the account was bought or sold to another lender. Please send the XXXX form.
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (AL)

A week or two prior to leaving my residence of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, I called XXXX XXXX and asked them to terminate my service at the residence on XX/XX/year>. When I paid my last bill, they told me that was my last payment ; however, they sent a bill to collection to Online Information Service for {$81.00}. Now, if you can go back and see my paying history, you will see that every bill I paid to them was paid on time and paid in full so I would not have left owing a bill for just {$81.00}. They mislead me telling me that my account was current and paid in full ; therefore, if this is not removed due misleading of information, I will be taking legal action for violating the FCRA Act for the amount of {$2000.00} if this is not removed off my credit report within 30 days.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Control, LLC (CA)

I recently received a debt collection request from XXXX  XXXX XXXX XXXX  XXXX account credit control for {$2400.00}. I did not open this account and i don't live or have ever lived in that address. Please remove from my name, cancel this fraud card and please remove from my credit report and stop the harassments i keep receiving via phone calls and emails. When is this going to stop. i have my personal information blocked with all XXXX  credit agencies why or how does this continue.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL,XXXX  XXXX XXXX XX/XX/XXXX Last 4 SSN XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ Truist ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Select Management Resources, LLC (TX)

XX/XX/XXXX to XX/XX/XXXX I was out of work not able to pay my loan to loanstar title loans in the amount of {$360.00} a week XXXX  {$32.00} a day until Im able to pay it off @ loanstar title loan on XXXX XXXX XXXX they repoed my car now the tow truck company is making me pay a fee of {$60.00} to pick up my belongings an the loan company is refusing to get that fee waived she also caught a attitude because I didnt have the money to pay for the loan r the fee
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

On XX/XX/year>, I received a email from TrueAccord demanding {$1300.00}. On XX/XX/year>, I called the company to dispute, and I was transferred to an account specialist. I provided the account number provided by the email and the collector kept asking me questions about my identity in order to create a contract. I explained that the account was not mine and that by law they supposed to produce the original paperwork of the debt, also I stated that the debt was over 7 years old and that by XXXX it was illegal to procure the collection. They failed to produce paperwork.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/2024 XXXX Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with VANCE & HUFFMAN LLC, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/2024 I have reviewed my credit report from [ XXXX XXXX and XXXX XXXX information regarding my account with VANCE & HUFFMAN LLC XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an a credit card account under an open and consumer credit plan as late for any purposes.
Consumer complaint received 2024-06-24
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. ()

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

I am a federally protected consumer and Berlin Wheeler has violated my privacy, and has continued to violate my privacy. Berlin Wheeler has knowingly and willfully obtained my information under false pretenses and this is a direct violation of 15 USC 1681q. I am demanding Berlin Wheeler to provide proof of this alleged debt, specifically the original application or contact signed between I, the consumer, XXXX XXXX, and Berlin Wheeler, notarized and sworn under penalty and perjury for Berlin Wheeler to collect this alleged debt. Berlin Wheeler needs my written consent to furnish anything to my credit report and I have not given Berlin Wheeler any authorization. Berlin Wheeler has committed fraud by using my identifying information without my authority. I have a right to make sure my private information isn't shared, which is backed by 15 USC 6801. I am now opting out of any and all authorization, I, the consumer, may have given you written, non written, verbal, and nonverbal per 15 USC 6802 EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (LA)

XXXX I am a XXXX XXXX Veteran who had to be hospitalized due to the following triggers and wrongful acts, errors, and commissions of criminal acts. 
Due to Theft, Embezzlement, and hospitalizations I was unable to obtain all and or sufficient proffers necessary and relevant documents and evidence to submit with my complaint. Unsubs, known and unknown have committed federal and state criminal actions in violation of the ancillary codes. The Unsubs committed disruption, conversion, theft, and mail frauds contemporaneously with other crimes and civil violations ; namely but not limited to defamation, forgery, identity theft, pawning of stolen goods, XXXX XXXX, violations of the Mann Act. 
I was unable until XXXXXXXX XXXX. today XX/XX/year> with the help of U.S. DEPARTMENT OF VETERANS AFFAIRS XXXX Employees, XXXX and XXXX, and Personal Assistant XXXX XXXX to gather and complete evidence ( proffers ) necessary to support my complaint. I can only receive texts due to damage to my cellphones, hearing impaired phone, Theft, fraudulent take over of my identity and brands. 

I have an extensive documentation set which consists of police reports, other victims of identity theft, theft of the U.S. Postal Mails, credit card and check theft, misuse, bank fraud etc. I am currently unable to forward this dossier set in my possession but would like any and all assistance to do so. Thank you kindly.
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (NJ)

XX/XX/XXXX i purchased auto from carvana XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX the auto i purchased is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIN : XXXX I have verified the VIN above is indeed the VIN of auto. 
I have picture 's of same. 

the loan document says the auto is XXXX, lists a different VIN than on the auto itself and lists auto as XXXX when indeed it is XXXX. 

attached PDF document ISSUES has complete details of what i briefly describe above. 

I feel like this is some type of Fraud.