davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NV)

XXXX : On XX/XX/XXXX, i initially made a purchase thru XXXX XXXX XXXX  for XXXX XXXX  ( XXXX ) in the amount of {$64.00}. About XXXX minutes later, i found a FREE app that does the exact same thing of what i had just ordered so i cancelled the initial order. I never got a refund so i filed a dispute with the responsible business of the debit card i used ( Net Spend ). They issued a Provisional credit for {$64.00} on XX/XX/XXXX. Then on XX/XX/XXXX, they ( Net Spend ) debited {$64.00} from my account because they claim i purchased the product. My reply to them was i initially ordered it but cancelled. So why am i being charged for something i never received because the order was cancelled. They still denied my dispute and never responded. 
XXXX : On XX/XX/XXXX, i ordered a " scooter '' online and {$39.00} was debited from my account. Last week i still haven't received anything and called Net Spend to file a dispute on that order. I also asked for the merchants name and number. I made several attempts to contact the merchant but wasn't successful because there is no business. Once again i tried explaining that to Net Spend and i am being given the run around.

Not only are they charging us for every single little thing but they are also not helping us out at the same time. They're just ripping us off.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

I received an email XX/XX/year> from Chase bank that a credit card account was opened in my name. I was then sent emails that stated the address and contact information was changed. 
When attempting to contact Chase bank on XX/XX/year> about the issue, I was unable to reach a person. They kept asking for the account number, which I do not have. I was unable to reach anyone and inform them of the problem.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, shortly after receiving my permanent residency, I went to a Chase branch in XXXX, XXXX, with my wife to be added to her exisiting checking account and also applied for a Chase Freedom Credit Card. 

At that time, I was approved for a freedom credit card. The card was sent to my home and I activated it. However, when adding me to my wife 's account, the banker at the branch input incorrectly my details ( birthday and social security number ), and consequently this resulted in the bank account being frozen a few days later for a number of days. Sadly, even after the details were corrected by the branch manager, and my documents approved in person, I was informed by Chase that they will " no longer have any relationship '' with me, which led to a cancellation of my freedom credit card, just 4 days after it was activated, as well as not being able to join my wifes accounts. 

It is worth noting that Chase would not disclose any information or give me any explanation as to why they decided not to have any relationship with me, and I am not aware of anything I did wrong, only know that the mistake that occured was by a Chase XXXX. It is important to note that I never used the credit card. 

As somebody who has just immigrated to the XXXX, I do not have a credit score, and therefore am obviously in a much more sensitive position than the average person. Due to this situation a credit inquiry was made with the credit bureau. This can potentially create an unfavourable outcome to me with any future applications and affect my credit score. 

Given I was not able to use the card for an issue that was out of my control and was not related to my card application, I have asked Chase to remove this inquiry from my credit report. However, Chase refused. I have tried to dispute this decision by contacting them on multiple phone calls and also sent them a letter in the mail to explain the situation, but they refused. 

Just to clarify, if I had known that the credit card application could be affected by the mistake the XXXX made on another Chase application I would not have applied in the first place. That information was never discussed with me and the banker processed both applications for the credit card and adding me to the checking account at the same time. 

In conclusion, a mistake made by the banker ( her putting the wrong birthday and ssn ) to an existing Chase account of my wifes led to a decision made by Chase to stop their relationship with me without giving any reasons, which then caused the credit card I was just approved for to be canceled, affecting my credit report and lowering my chances to successfully build a decent credit score in the XXXX. Finally, I would like to add that since this issue has been dragged on for so long, my credit score has fallen down further due to inactivity.
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: CCS Financial Services, Inc. (GA)

I've contacted XXXX XXXXXXXX in regard to a late payment that they say I've accrued in with them. I've always paid my bill on time which i told them. I also told them the payment there saying I was late was not my fault that my wallet was stolen and had to get another debit card and had to set up my automatically bill pay to the new card which i did. I informed them of my wallet being stolen. I also mentioned to them that I've moved XX/XX/2020. I have put a change of address in with USPS to the address that I've moved to. I've told them that I didn't receive any mail from them pertaining to a payment being due or pass due because of how I set up the bill to be paid on the due day of every month it was due through my auto pay. I've talked to representatives that were promising me that they were going to remove the late payment, but it hasn't been removed. There are some other concerns with other agencies that I've tried addressing with the agencies, but they were not being really helpful when asking for validation. They were being really rude and what seems to me that they were just trying to rush me off the phone or not sending me validation.
Consumer complaint received 2024-05-28
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. (IL)

The following violations are happening after several requests have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please address the following : Who is the furnisher used to verify these accounts? Provide written consent giving permission to report these accounts. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts : 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 I revoke written consent . Any reporting of the following accounts is against my wishes, and I would like to receive {$1000.00} per violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclosed any information on my behalf.
Consumer complaint received 2024-02-02
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: Credit Karma (OK)

Credit Karma I filled of for the account thinking from advertising it would get me the credit card as advertised and instead it gave me their card and has continued to allow credit hard inquiries and soft ones I never gave permission to do in which has given me a low credit score I was building after divorce. It keeps running my SS number for it's own gain as well I never gave them permission and never got that credit card and I still keep it active due to not wanting to loss that information. I even filled my tax 's on it I was to get an loan off the taxes if filled through them and it's taxes XXXX and tax place and never received that pre taxes loan at all.
Consumer complaint received 2024-02-03
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)

I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-05-28
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. (IL)

The following violations are happening after several requests have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please address the following : Who is the furnisher used to verify these accounts? Provide written consent giving permission to report these accounts. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts : XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX XX/XX/XXXX & XXXX {$XXXX} XXXX XXXXXXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I revoke written consent XXXX Any reporting of the following accounts is against my wishes, and I would like to receive {$XXXX} per violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclosed any information on my behalf.
Consumer complaint received 2024-01-03
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. (TX)

Prior to moving to into my new home I was at a grocery store in XXXX Indiana where I lost my wallet that contained my drivers licese social security card and other identifying information and someone found it and used my information to open up several fraudulent accounts such as auto loans, motrgage accounts, credit card accounts, personal loans, and more. I would like for this informaiton to be removed from my credit report as soon as possible. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-08-16
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: Kikoff Inc. (VA)

Earlier this year XX/XX/23. A complaint was made about two fraudulent Kickoff accounts that was a secured loan and Kickoff charge off account that was reporting on my XXXX, XXXX and XXXX credit report. Both accounts was successfully removed from my XXXX account, but never removed from my XXXX nor XXXX account.
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Due to NETCREDIT 's high fees, which surprised me, I decided that they were engaged in predatory lending. Consequently, I asked them to close my account and offered a settlement to pay off the balance, which I provided below. They refused and now have added more fees and have notified me I am in their Collection Process. 

NETCREDIT Net Credit balance {XXXX I have decided that you are predatory lender. Thus, as of today I offer my terms to close and pay off balances as shown above at {$3600.00}. 

I will allow myself 24 months to pay off the above balance as stated above. I will not pay anymore Fees, Late Charges or interests. Above is the fixed amount I will pay. 


XXXX XXXX : I will pay monthly {$150.00}. XXXX XXXX XXXX XXXX Disqualifying factors to above terms will be Reports to Credit Bureaus XXXX Collection agencies, any form of harassment, which will mean no agreement and my payments will not start or will end on the day I find you have reported such to the either Credit Bureas or collection companies. Again, the balance at XXXX is fixed repayment to be paid. 

If no agreement or reports to as listed above. I will manage whatever move you decide to take but I will not pay until the courts decide, if that is your choice. 

I see numerous complaints and court fillings on you and am confident that a legal route could be of more benefit is to me but then this would be in the hands of the court. 

Again, I have decided you are a predatory lender and my terms to deal with you are as stated above. 

Consequently, close my account. Advise within 14 days of your decision. If you agree to the terms then I will set up direct deposit with Payment above to you as listed above. 

If no agreement then I will then I will stop payments all together, forever, and begin to prepare for whatever decision you have chosen outside of what I list above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XXXX I reported the issues of them reporting inaccurate information. My bankruptcy is the only negative items that should be showing on my credit report. However, they're showing more than that. None of those other negative accounts should be on their, as the bankruptcy wiped out all the items on my credit report other than XXXX XXXXXXXX XXXX, and one XXXX loan. All other XXXX loans was wiped out due to the bankruptcy. All things need to be taken off of my credit report immediately, as the only 3 things supposed to be showing on their, is the XXXX XXXX Bankruptcy, XXXX XXXX XXXXXXXX and the one XXXX loan that's a little over XXXX nothing else should be on their. The bankruptcy wiped everything else off of my credit. This needs done now. This is the last time I'm saying this needs, corrected before legal proceedings are done.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

The debt came from an ambulance bill. Per my insurance company, the balance of $ XXXX is not legally supposed to be billed to me, but they have balance billed me for the remainder. They refused to contact insurance to get things straightened out, and refused to take calls my insurance company had made to the ambulance company. 

I received a call in XXXX from XXXX from Commercial Acceptance Company ( collections ). She did not identify what company she was with, and after answering with only hello, she stated my full name, date of birth, full address, and the name of where the debt came from. 

I requested a validation of debt and a letter proving they have my debt. I was told no. When asking again for a validation of debt, I was laughed at, told they legally dont need to do it, and if I wanted it I would be required to request it in writing. I asked for info about where to send the request and got no information. At this point I still didnt even know the company name. She threatened me saying she would put it on my credit report if I didnt pay that day, and I asked how long I had until it was reported. I made her aware that she was breaking FDCPA guidelines, and she hung up. 

She called again and did the same thing over again. Refusal for validation of debt and a letter. Threatened to report me to the credit bureaus, and provided no information. I only figured out her company by googling her phone number, which led me to her personal XXXX page, which showed the name of the company. 

I reported the abusive actions of the collector to Commercial Acceptance Company. They sent me to a voicemail of a supervisor and have never contacted me since then. I believe that was mid to late XXXX. 

Now in XXXX of XXXX they have this on my credit. I still havent gotten any correspondence validating my debt. I called again today, XX/XX/XXXX and spoke with a supervisor named XXXX. He implied that no laws were broken, did no care that I was threatened, told me he refused to hear about it, and demanded payment immediately. When trying to explain why I dont believe its valid debt, he also told me they arent required to validate the debt and said it must be requested in writing. He refused to provide where the request should be sent to, and demanded that we set up payment arrangements on the phone. 

From the first phone call, I was under the impression this was a scam since I am familiar with the FDCPA since I was a collector years ago, and knew the tactics they were using was illegal. I met with a lawyer, who told me going after them in court would be costly, and to try to resolve with them directly. I have tried to resolve it, and continue to have my credit ruined.