davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Fair Credit Report Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 JP Morgan Chase Bank decided to put my funds on hold without an explanation they say they dont have to tell me anything or the reason as to why. In my Checkings account I had over {$8000.00} dollars, and my Savings over {$1000.00} dollars. This is very unfair to me I have bills to pay and cant access any of my money. All of my money is literally in this account. Its so unfair that they are able to do this with no explanation. It doesnt even feel safe to have money in banks anymore. I hope this matter can be resolved as soon as possible.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

There is a bunch of weird transaction to XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and all these people are taking money out of my bank.I dont even travel and work at my Resturant all day XXXX I found out I told the bank and they told me to go on app and dispute but they denied my claim and I file a police report but they told me to go to the fbi and XXXX fbi told XXXX they are backed up and everyone is sending to different section and different agencies.i just want to know who the seller are so I can sue them for damages that cant be undone.chase bank never even investigated and couldnt even give me there business name that took my money.and they shut my account down and told me to give them proof when XXXX locked out my account so all of this is weird to me and I want my money back that I worked hard for
Consumer complaint received 2024-05-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I filed 2 cases to get replacement cards from incomm in XXXX. But have only received 1 replacement card to date. 
case numbers are : XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

I was having a financial hardship and was not able to pay my fee which was {$30.00} in the month of XXXX on time with Comenity capital bank/ Children place rewards card. I spoke with an employee there and they told me the late record would be taken off my credit report on all XXXX credit bureaus.
Consumer complaint received 2024-05-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C. (OK)

I have been paying on this collection for 4 years. I used to be allowed to pay online which also allowed me to watch the balance. They have pulled online access and failed to provide me access even after they have promised to restore that. Today they told me the account is so old they can't provide me with that information. I feel I should have access to see what is going on with the balance of this account. Especially since it was provided before. I have my suspicions the account isn't being managed and could be getting over charged and need your help. Thank you.
Consumer complaint received 2023-04-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Inaccurately showing as Pending Litigation. A purported income withholding Order has been provided by the Title IV-D Child Support Agency but this order has not been signed by a judge showing violation of 28 U.S.C 1691. The agency can not 1 ) validate the debt ; 2 ) provide a contract ; 3 ) Provide the required Enforcement of Income Withholding document under 45 CFR 303.100, with the exclusive Judges signature in the Title IV-D Child Support Agency . Any other signature ( s ) in the Title IV-D Child Support Agency document would be impersonating a judge in violation of a federal crime under Title 18 U.S.C. 913 ; produce order by a judge ; 4 ) provide full accounting itemizing charges ; 5 ) can not show arrears information ; 6 ) show prove of jurisdiction ; Garnishment is a federal statute requirement under Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) ; 7 ) Under Section 466 ( b ) ( 1 ) The IV-D Income withholding provision requires the withholding of income in an amount sufficient to comply with the support order up to the maximum amount permitted under section 303 ( b ) of the Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) that is 1 ) The employer is responsible for implementation the CCPA limitations ; 2 ) The Federal CCPA exemptions only apply to disposable income.

In United States v. Sage, 92 F. 3d 101 ( 2nd Circuit 1996 ), the judges ruled that child support agreement are equivalent to an interstate commercial contract and rejects the idea that child support payments obligation is somehow different than student loan or car notes. Therefore, these inaccuracies are affecting negatively my credit report and may affect my ability to keep my job.
Consumer complaint received 2024-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO (SC)

On XX/XX/year>, my home was XXXX XXXX due to a neighbor 's negligence. This XXXX  caused my home to be a complete and total loss. I had worked with the insurance and builders to get ready to begin the rebuild of my home. Everything with my insurance company and the builders was SEEMLESS. When I obtained the check from the insurance company, I reached out to Mortgage solutions insurance claim team to obtain all of the steps required to make sure things went smooth. Mortgage solutions is filled with liars and thieves. I the received my check on XX/XX/XXXX, XXXX they TOLD ME, " Nothing else is needed from you will receive 25 % of the funds equally XXXX in about 7 business days ''. THAT NEVER HAPPENED. I called them back multipleXXXX. They NEVER contacted me never sent me any letters or anything on what this process with them consists of. If I don't call them, they don't say ANY THING. They this week told me that now BUILDING PLANS are needed for this process. it's almost going to be a month since they pocketed MY money and NOW, they are saying that is needed. they also say that actually the cap to release funds is only XXXX. XXXX gets a builder NO WHERE when building a home! They told me I needed to have the builders send a payment schedule so they can get paid. I had my builders call in ( and yes, I had paperwork sent in giving them authorization to speak on this situation ). When they called in a day after I tell them about needing a payment schedule, they were told, THAT WAS NOT NEEDED. This company is operating in bad faith. They are withholding funds possibly, to gain interest from money that is to be used to rebuild my home. In SC the law requires a mortgage company to provide in writing all of the requirements of release of funds in a situation like this. They have failed to do so. I've lost everything I own, and this company is stealing the rest. mortgage solutions financial is the rebranded company of XXXX XXXX XXXX that have been sued MANY times for stealing customers insurance money and they are doing it again!
Consumer complaint received 2023-09-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (RI)

Comenity Bank calls me numerous times every single day mostly from a blocked number or a XXXX number. They called me XXXX XXXX XXXX XXXX XXXX about my bill. I just want them to stop XXXX  me.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (ME)

XX/XX/XXXX Balance Healthcare Receivables XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, New Hampshire XXXX XXXX. 

RE : Unauthorized Access of Credit Report - Dear Balance Healthcare Receivables ( BHR ), I am writing to you regarding a very serious matter. Upon reviewing my consumer credit report from XXXX, I discovered that your company, Balance Healthcare Receivables, accessed my personal credit information on XX/XX/XXXX. 
After careful consideration, I have concluded that you had no permissible purpose to obtain my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 
I have never had any business dealings with your company, nor do I have any account or debt with you that would justify such access. Furthermore, I never provided consent for you to pull my consumer report. 
The FCRA strictly limits the circumstances under which a party may access a consumer 's credit report, and I am deeply concerned that your company has violated these protections. Your impermissible access to my credit report is a serious invasion of my privacy and has caused me significant distress, XXXX, and potential harm to my credit standing. 
If you claim that you accessed my credit report due to an alleged account with an original creditor, please be advised that this does not constitute a valid permissible purpose under the FCRA. The FCRA allows access to a consumer 's credit report only in specific, enumerated circumstances, such as when a consumer initiates a credit transaction or provides written consent. 
Even if an original creditor had a legitimate account in my name, this does not. 
automatically grant your company the right to access my credit report. You would need. 
to demonstrate that you had a permissible purpose under 15 U.S.C. 1681b, such as being authorized by me to access my report or being in the process of collecting a debt that I actually owe.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy '' XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX
Consumer complaint received 2018-08-03
Product: Credit card or prepaid 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. (CA)

On XXXX XXXX, XXXX I purchased parts and labor for car repairs, and signed an agreement with the merchant that stated NEW parts would be installed on my vehicle. After I received the vehicle, I noticed that the parts appeared to be used and worn, so I tried to resolve the issue with the merchant. I offered to return the parts if the merchant would pay for their removal. 

When I was unable to resolve the issue with the merchant, I filed a dispute through JP Morgan Chase Bank. The dispute department consistently failed to properly file the dispute, leading to several months of back and forth with Chase. The merchant did not provide any compelling evidence that they had used new parts on my vehicle, they submitted a parts receipt from the dealership dated XX/XX/XXXX ( 6  months after they had installed the parts on my car ) indicating that those were the parts installed on my car. Finally, they admitted to installing parts from a wrecked car, but indicated that they told me they would do this verbally, despite the signed agreement between the merchant and myself stating only new parts were to be used. I do not recall any verbal agreement regarding used parts being installed on my car. 

Chase refuses to reopen the case, will not provide any explanation as to why the decision was made in favor of the merchant, and has failed to protect me as a consumer against a merchant committing fraud.
Consumer complaint received 2024-05-03
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. (TX)

My Chase credit card number was stolen and used through a merchant ( XXXXl ) for roughly XXXX transactions between XXXX and XXXX of XXXX. XXXX operations has denied my claim XXXX  times because the documentation isnt enough. One manager used the term not compelling enough. I got married around the same time and expected to carry a balance due to XXXX cost. Fraudulent chargers were hidden within true charges. Chase operations team questions why I made payments throughout the fraud where I answer back I made small payments because I expected a balance because of XXXX costs.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was notified via XXXX XXXX that a hard credit check was added to my credit report the previous day from Captial One. I and my wife have no Captial One card and never have. I called Capital one and provided my name, phone number and SS #. They advised me that a line of credit had been opened and asked me if I had opened it. I answered that I had not applied for any type of credit from Capital One and neither had my wife. They said that they would close the account and investigate the incident. I asked for details of what State or address was used but they refused to release details until XXXX XXXX XXXX days AFTER they conclude their investigation. They advised that they would send their findings sometime within that time period. In the mean time I froze my credit with all three credit agencies and reported fraud to them also.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAINE & WEINER COMPANY, INC. (KY)

In addondance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In addondance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2023-02-19
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. (MO)

In Accordance with the fair Credit Reporting act 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : it also states a Consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX  Type of Business : - Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-07-25
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-12-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MD)

MRS COLLECTION AGENCY ON BEHALF OF XXXX XXXX XXXX WITH REFERENCE ACCOUNT NUMBER XXXX AMOUNT ON ACCOUNT {$160.00} PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT.
Consumer complaint received 2023-05-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX X1 Card 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
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MN)

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, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.