davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (GA)

Received a letter from CBE Group regarding a collection attempt for debt, however, I haven't received any documentation of exactly what the actual bill is for, why I am being requested to pay bill by a third party in which I don't have a contract with, no information on if the the statute of limitations has expired regarding the bill, if the company can legally collect in my state and there is no statement that says " this is an attempt to collect a debt '' on the corresponding letter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-19
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. (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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Currently trying to buy a home and in doing so I've found multiple inaccurate accounts reporting to my credit report according to 15 U.S.C 1681 law there should not be any damages on my report this is a defamation to my character. This detrimental to me because it is holding me back from providing a better life for my children i have reached out to all credit bureaus numerous times and nothing has been solved from inaccurate reporting to hard inquiries that was not authorized. I have reached out to the company to ask for proof of collections or me authorizing any company no proof has been submitted
Consumer complaint received 2024-07-24
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. (CA)

This is alarming. I noticed that there's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. This is making me stressed and anxious.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to bring to your attention the presence of unauthorized and unknown inquiries on my credit report. These inquiries have appeared without my consent or knowledge, and I urgently request their immediate removal. 

Upon reviewing my credit report, I discovered the following unauthorized inquiries : I have not authorized any entity to access my credit information, nor do I have any business relationship with the entities listed above. These unauthorized inquiries are adversely affecting my credit score and financial standing. 

I understand the importance of accurate reporting and the need to protect consumers from identity theft and fraud. Therefore, I urgently request the following actions be taken : Immediate Removal of Unauthorized Inquiries : Expedite the process of investigating and removing all unauthorized inquiries from my credit report. 

Enhanced Security Measures : Implement additional security measures to prevent unauthorized access to my credit information in the future. 

Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the unauthorized inquiries. 

I kindly request your prompt attention to this matter to ensure the integrity and accuracy of my credit report. Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the removal of the unauthorized inquiries. I am asking for your assisstance to remove these unknown inquiries in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I'm utterly crushed by what's happened over the last four months. Around XXXX XXXX, Chase suddenly closed both my personal and business checking accounts, wiping out a total of {$110000.00} and about {$2000.00}, respectively. It hit me like a ton of bricks when I tried to log in and found myself locked out. After countless calls, all I got was -- -they could not tell me why and that a check with the amount of all the money in the account would be mailed out to me, I shall expect to receive it after 14 days. 

But two weeks came and went with no sign of that check. I felt helpless, especially since I was visiting family in Florida at the time, and all my attempts to sort things out at the local branch led nowhere. XXXX XXXX, the branch manager, did her best to help, even reaching out to Chase 's legal team, but we got no response. 

I poured my heart out to Chase 's complaint team, offering whatever they needed in order to expedite my case faster since I really needed all my savings back. I cried many times, over the phone, in the branchescountless times. I explained to them -- -this money wasn't just mine ; it was everything my parent had scraped together in XXXX to support my XXXX 's education in the US , plus my own hard-earned savings from the past year. 

After what happened, I had to borrow money from my friends to pay my rent, tuition, and monthly bills. Since I put almost all my money in Chase, I did have not enough money left for me to sustain my living. I feel desperate. 

Despite XXXX from the Chase 's complaint team 's efforts, we hit a brick wall with Chase 's legal team. No matter how many times I tried to reach out to the legal team. There was 0 response. All I heard back was It is under review by the legal team. '' " The legal team didnt respond. '' " They will let you know once its approved. 

I've tried everything, but I'm at my wits ' end. It's not just about the money anymore ; it's about the injustice of it all. Chase shut me out without explanation, leaving me high and dry. I'm pinning my hopes on the Consumer Financial Protection Bureau to step in and right this wrong. 

I have attached 1. The document I received from Chase for my last checking summary ( it was recorded they took out all the money on XX/XX/XXXX with an amount of XXXX. ) 2. Screenshots of the emails I sent to Chase 's branch manager XXXX in XX/XX/XXXX 3. The Chase 's complaint team 's phone number & notes I recorded for me to call Chase every day.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NY)

As a rule of thumb I do not sign up for credit cards that charge an annual fee unless they offer significant benefits ( points or rewards ). I signed up for an Aspire card with no annual fee originally ( and no real benefits ). They just changed the terms and are now wanting to charge {$5.00} a month ( {$60.00} a year ). I understand they reserve the right to change their terms but this kind of change is dishonest in nature. I will close the card right away but wanted to report it.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I purchased XXXX tickets from XXXX XXXX in XX/XX/year> to go from XXXX to XXXX. There were many changes to these tickets as shown on attached document " XXXX XXXX XXXX XXXX XXXX ''. The total shown in the file is {$2800.00}. These were refundable tickets. I paid this amount to Chase in XXXX. The flights were cancelled in XX/XX/year>. At first XXXX XXXX refused to refund the XXXX  ticket, so I put XXXX ticket in dispute. Soon thereafter XXXX agreed to refund both tickets and credited my Chase account for the full amount that I had paid for the XXXX tickets, {$2800.00}. Shortly thereafter Chase refunded this amount to my checking account and the dispute was closed successfully. A XXXX  later Chase put {$1400.00} back on my account with no charge reference and has added interest and fees for a total amount of {$1500.00} ( shown on the attached document " XXXX XXXX XXXX XXXX ''. Chase justifies this mysterious addition to my bill in the attached letter " XXXX XXXX XXXX XXXX XXXX  ''. XXXX from Chase agrees with everything that I said in his letter but then denies my request for a refund of {$1400.00}. I have requested no refund. I simply want the charge of {$1500.00} removed from my bill. It has nothing to do with XXXX XXXX and the original dispute. It is a Chase billing error. I have tried to call XXXX at the number and extension provided in his letter. He never answers. I leave a message and he never calls back.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Hi, I was never contacted by wells fargo over the settlement in which they abused customers and ordered XXXX settlement. My account was wrongfully charged a monthly fee even though I held the minimum balance of {$500.00} throughout that time. Also, I was charged many overdraft fees that I felt were unwarrented and very shady. Example I deposited cash at XXXX to make sure my account was in good standing before the end of day billing but my Car insurance payment went through just before midnight and then my renters insurance the following day. Funny, these payments are sent from the same company and feel it was very suspect for this to happen just before midnight in order to charge me a overdraft fee. I had contacted them multiple times regarding overdraft fees and received many excuses. Can someone please help me in figuring out why I was excluded from any compensation for there one of many wrongdoings.. 

Also, I had to let my credit card with Wells Fargo close and go to collections over an unfair reversal that was hit on my account after being told my dispute after being ripped off by was settled and closed only to be recharged for this amount many months later was just unbelievable. I was told it was closed and this showed as closed on the website/app I don't understand how you can just come back many months later and charge me again after you " closed '' this case. I never received any information just a hefty charge which obviously as a small business owner during the still covid economy I had no options at my disposal but let it tank my credit score and my cc standing. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX XXXX XXXX XXXX personal XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (DC)

I purchased aligners through XXXX and was paying them directly until they sold my account to Westlake Portfolio Management who are servicing the loan. 

I have spoken to several ( supervisors ) who has'nt taken the time to listen to the issue. Its a group of fast talking XXXX know it all, who's task is to treat you like a criminal who refused to pay their bills. The real issue is that when they took over they did not align the technology ( ACH/ auto payments from the existing XXXX  customers ) This issue is that when westlake portfolio took over the loan, they didnt notify me by electronic means ( i had signed up for electronic commnication ) I am unable to view my account. When I login, I get an FAQ page, no account or payment details. I have called several times to complain that I can not see my account information and I urgently need to change my payment method on file. 

I keep getting the runaround. I get hung up on and have to deal with rude XXXX guys with very bad english. I Was told that it would be resolved about 2 weeks ago after calling several times. After the call today the guy ( who refused to give me his name ) provide me with a an email that contained the error of billing and said this is all we can do. This erro has caused my credit rating to drop from a XXXX to a XXXX ... ... all for a {$89.00} erroneous late notice of 30 days that i never received.
Consumer complaint received 2023-05-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to address a matter of utmost importance regarding persistent inaccuracies on my credit report. Despite my repeated attempts to rectify these discrepancies, it has come to my attention that the credit bureaus continue to disregard the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ), clearly mandates that credit bureaus must modify or delete accounts that do not accurately reflect the individual 's financial history. Unfortunately, my efforts to bring this to your attention have been met with frustration, revealing a concerning breach of the laws designed to protect consumers. 

Referring to 15 USC 1681b ( 1 ), it is crucial to emphasize that the credit bureaus lack written permission regarding the information on my credit report. Furthermore, my right to privacy, as stipulated in 15 USC 1681, is being compromised due to the persistent inaccuracies.

As outlined in 15 USC 1681s-2, it is explicitly stated that a person shall not furnish inaccurate information to any consumer reporting agency. Despite my notifications regarding the inaccuracies and the invocation of the provisions of 15 USC 1681 for a reinvestigation, the credit bureaus have failed to block and permanently delete these accounts within the legally mandated four business days.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the account listed here : ( Account numbers XXXX XXXX XXXXXXXX. After checking a copy of my most recent report, it appears this account is still being reported. 
This account can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-25
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. (OH)

please delete the following accounts and inquiries : XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXC Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX