davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (TX)

Complaint re : JPMorgan Chase, XXXX, XXXX, XXXX  What happened? 

I have a 28-year long standing of excellent financial history with no late and no missed payment, until I ended up with Chase as a lender via XXXX XXXX dealership in XXXX, TX, in XX/XX/2018. 

What I originally thought by borrowing a little to further improve my credit score from 811 to 835+, led me into a series of troubles because Chase never provided me with a billing statement, nor my loan number, nor my payment due date, nor payment alert initially I set up, nor late due notice/alert. In less than 6 months, I was late on payment twice because I never received any billing statement or any communication from Chase, the lender. After I made two phone calls which really affected my full time work, their terrible customer service reps threatened to destroy my excellent credit and he did! In one month, my score dropped by more than 100 points. Given that Chase never sent me a billing statement, it is illegal for them to charge me fees and try to destroy my credit. 

I also complain about credit bureaus for not informing me, for not investigating, for just taking what Chase says/claims to punish me for nothing I did wrong. 

These big businesses are bullying great consumers like me! Something need to be done to not allow them to mistreat good, financially responsible consumers like me. They should not be given the power to abuse my credit and my reputation of 28+ years of good standing. 

PLEASE, HELP US! 

I plan to contact our senator about this, too.

This is UNACCEPTABLE!
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (NJ)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>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 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 XXXXXX/XX/year>
Consumer complaint received 2024-03-28
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. (GA)

I urge you to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. I have not applied for any credit, loans, or services from those creditors on the aforementioned date, nor have I authorized anyone else to do so on my behalf. This inquiry was made without my consent.
Consumer complaint received 2024-03-28
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. (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2023-08-30
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)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KY)

I am in the process of filing bankruptcy and was advised to stop paying on my credit cards so one of my payments is currently late with Comenity Bank and they called me 22 times in 4 days and I reached out to them and let them know they could not call me more than 7 times in a 7 day period and I asked that they not contact me anymore and they contacted me again after I asked them not to. I was also getting calls from a blocked number as well and received a voice mail however they thought the call had been disconnected but they were actually talking on the voice mail.
Consumer complaint received 2023-09-30
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IA)

TSI COMPANY WILL NOT STOP CONTACTING ME OVER MY EX BOYFRIENDS ACCOUNT. THEY CALL, EMAIL, TEXT AND SEND LETTERS CONSTANTLY THOUGH I HAVE RESPONDED IT IS NOT MY DEBT TO THEM DIRECTLY AND BY DUSPUTING IT WITH CREDIT BUREAUS TO NO AVAIL. 
EXAMPLE EMAIL ( AND i ALREADY CLICKED THE OPT OUT LINK ) : XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX ( 13 hours ago ) to me Why is this message in spam? It is similar to messages that were identified as spam in the past. 
Report not spam TSI Continue scrolling to see important information concerning your rights. Please do not reply to this email as this email address is not monitored. Options for contacting us are provided below. 
We accept opt-out requests here To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Office Hours : Monday through Wednesday XXXX to XXXX XXXX, Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX XXXX, Saturday XXXX to XXXX XXXX Our Account # : XXXX Creditor : XXXX Creditor 's Account # : XXXX Balance Due : {$350.00} Calls to and from this company are recorded and may be monitored. 


Dear XXXX XXXX, We also sent you a welcome email. Did you receive it? We want to make sure that you know were here to help you resolve your account. Please give us an opportunity to help you resolve this account. 

Options for your convenience XXXX XXXX XXXX Visit Us Online XXXX XXXX XXXX Your registration code is XXXX You can also mail your payment to Transworld Systems Inc. XXXX XXXX XXXX XXXX, DE XXXX or you can contact one of our representatives at XXXX. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. 

Very truly yours, Transworld Systems Inc. 

Please be advised that if you provide access to your email account to any other persons, such persons may be able to read the emails that we send to you. We do not send emails to known workplace email addresses, even with your permission, because they are subject to your employers email monitoring policies and may be read by your employer. Some written communications may be sent via US Postal Service. 

We accept opt-out requests here
Consumer complaint received 2024-03-28
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)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2023-08-30
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (GA)

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The late payments on this account are not correct. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please have this account updated and repaired : XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have apply for housing and have been denied on multiple occasions because information that was incorrect on my credit report. I have reach out the credit bureau on multiple occasions about the issue with the incorrect information and the affect of the credit report has cause my family.
Consumer complaint received 2018-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2018 TransUnion began showing an account in collections on my credit report ( per XXXX and XXXX XXXX ). This account {$65.00}, the collector, XXXX, and the original creditor, XXXX were not at all familiar to me. I called TransUnion and after great difficulty was able to speak to someone in my own language ( English ). The problem was resolved quickly but no explanation was ever given as to how this could happen or what precautions would be taken to prevent a recurrence. The U.S. based phone rep was very professional and very helpful. I promised her I would file a complaint on this issue because credit reporting agencies must be held accountable. Mistakes like this one can not be allowed.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate i dont know how in the XXXX can you guys report inaccuratethis XXXX needs to be removed asap And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX Delete accounts inaccurate and incorrect. 
Its violation of my rights and laws present this will result in violation 15 USC of 16811.15 USC 1681s2. 15 USC 168115. 15 USC 168eb. Delete ACCOUNT
Consumer complaint received 2023-08-30
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. (GA)

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The late payments on this account are not correct. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please have this account updated and repaired : XXXX XXXXXXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

A Chime account was created using my email on XX/XX/2024 at XXXXXXXX XXXX EDT. Chime did not require this person to verify this email, thereby allowing them to make this fraudulent connection. When I called the number in the account creation email ( XX/XX/XXXX XXXXXXXX XXXX EDT ), listed as " Didn't sign up for Chime? Give us a call at XXXX ( XXXX ) XXXX for assistance '' The customer support associate refused to assist me unless I gave her my legal name, which is not associated with the fraudulent account. As far as I can tell, there is no other way to disconnect this account from my email, or to delete the account entirely.
Consumer complaint received 2023-08-30
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. (NY)

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 XXXX XXXX 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 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. 16815-2 ( AN1 ) 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 2023-11-08
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. (FL)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (GA)

This is the 3rd complaint I have a police report a XXXX XXXX report by Ally Financial XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again XXXX that has allows Ally Financial to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my XXXX XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per XXXX from Ally Financial and they have updated fraudulent information again on XX/XX/XXXX and closed this Ally Financial account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a XXXX XXXX report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from XXXX XXXX department XXXX that all the information they was given came from Ally Financial telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor ALLY FINANCIAL time XXXX stated they cant do anything its ALLY FINANCIAL that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against Ally Financial IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..
Consumer complaint received 2023-08-30
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.