davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CT)

In accordance with fair credit reporting act this creditor JPMCB Card Services located at XXXX XXXX XXXX XXXX, DE has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a 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 and consumer credit plan as late for any purpose. 

I have called XX/XX/2024 and tried to get this handled but was told there is nothing they could do. I sent an email to the XXXX XXXX XXXX and have not received a response.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have four times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was looking to buy a used XXXX XXXX '' XXXX. A typical price on craigslist was $ XXXX {$1200.00}, but I found one that was priced at {$800.00}. It was showed to be in a old and affluent of XXXX XXXX, CA. When I contacted the person, they said that they just moved out to Texas and they they should take the ad down soon. I decided to offer {$750.00} and let them XXXX the computer to me. They agreed and we chatted for a while ; I was trying to establish some sort of rapport. I offered to pay half of the price first. At a number of occasions they appeared to have been ready to back out of the deal. I sent {$370.00} using XXXX. At the time I had heard something about their consumer protection. They were supposed to ship the computer to me the same day, but it didn't happen. I contacted Bank Of America and I just got a response that according to their internal investigation they see no fraud ( claim number XXXX ). Here 's how it all happened : XXXX XXXX XXXXXXXX # XXXX.
Consumer complaint received 2018-08-31
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. (VA)

I have requested that all Dispute remarks be removed from all accounts on my Experian, XXXX, and XXXX  reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.
Consumer complaint received 2018-08-31
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

Hello, I '' m reporting a problem because I did a pre qualify application with one main finical on XX/XX/2018 and it was supposed to be a soft pull on my credit. this application also said that my credit would not be effected if i applied I called them last month to prove to me if this was a hard pull or send me a letter and they could not provided any proof. Here is a link I used for the application. XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XXXX of 2023, BOA requested BO info on me, including copy of birth cert and SS card. I provided this info the same month. I record emails that I hadn't so I called them and the dept I spoke to said they had everything and to ignore the emails. I ignored the emails and they closed me out because I hadn't provided the info. They said to reactivate my XXXX  credit card, I'd have to reapply for a new one. This was infuriating. If I wasn't going to retain the longstanding relationship, I decided to apply for a card with a different company. 

I complained to OCC, case # XXXX as they unreasonably denied access to my card. BOA sent a standard letter saying according to the terms of credit that they had the right to close my card. It was an insensitive standard letter which didn't begin to recognize my the issues of my complaint. 

BOA is Too Big and the left hand doesn't know what the right hand is doing. I've moved on but not without an inordinate amount of time changing auto payments.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. There are also numerous inquiries that are shown in my report, many of which are not mine. All these companies referred me back to the creditors that submitted the requests, who then referred me back to the companies which resulted in a vicious cycle of runaround. I am a victim of fraud, and this data breach has truly hurt my credit score. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-31
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: EQUIFAX, INC. (GA)

I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.
Consumer complaint received 2023-12-27
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. (MO)

XXXX Experian notified me they are still working on the issue that they stole NOW almost 19 months of on time never late payments to XXXX and refuse to give them back. Experian states that my payment history is 35 % of my credit score AND I SAY EXACTLY SO IMAGINE WHAT MY CREDIT SCORE WOULD BE IF EXPERIAN PUT BACK THE ALMOST 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO CENTURYLINK THAT THEY STOLE TO KEEP MY SCORE LOW TO PUSH ALL THESE WORTHLESS CREDIT CARDS
Consumer complaint received 2024-01-21
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: Affirm Holdings, Inc (TX)

Affirm Inc is furnishing inaccurate information to XXXX. I have an equitable interest in my application which is letter of credit that Affirm Inc accepted. The interest every month should be used to settle the account therefore the account can not be late. XXXX is benefiting from Affirm Inc selling this information to them to report inaccurate to damage my reputation.
Consumer complaint received 2023-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Additional info on XXXX ... .not dupe. 

I had to declare XXXX  XXXX in XXXX due to my medical condition. Although I tried to get my stepson, a veteran of the XXXX XXXX, off of the 2 Private Loans I incurred to due having to help with payment while he was in XXXX, Navient, prior name, Sallie Mae , time and time again REFUSED to remove him although I was assured at the time I incurred the loan that having paid the loans there would be no issue removing him. 

In XXXX, XXXX, I had had multiple procedures, due to a Serious Health condition, and unfortunately, fell behind on my payments due to the financial mess the non-covered medical expenses left me in. 

In XX/XX/XXXX, my items were discharged except for my mortgage and car that I entered into reaffirmation agreements. However, although advised of the XXXX  XXXX, Navient stated that the PRIVATE STUDENT LOANS had to be paid although my XXXX  XXXX was discharged. They messed up my ability to get a lower rate on my re-finance and I was forced to pay them off over {$20000.00} to ensure my step son was removed and that this was the only way I could re-finance my loans. They kept bad items on my credit file and it took several complaints with the CFPB and Credit Bureaus, and XXXX  to correct my credit file. However, they illegally collected on the debt and illegally lied and kept my stepson on the loan. I had damages to my home during IRMA and the funds I would have used to repair my home, I had to direct to NAVIENT. A company that misleads, and lies to their consumer and ruins their credit reports. According to documentation I have read from the Bankruptcy Court and other attorney 's the 2 loans ending in XXXX and XXXX should have been discharged back in XXXX, instead of threatening me to pay them. They ruined my retirement funds and creditworthiness and lied on both the co-signer whose rights as a veteran should have been protected, yet NAVIENT gave every excuse and ran my credit multiple times instead of taking into account my payment history for the years that the co-signer was on there. They harassed me and said that I would negatively affect the co-signer when years and years I had asked to have XXXX XXXX XXXX  XXXX removed. This is an unethical company that feeds off of the sick, and less fortunate in order to profit. They do not follow the law. They lie to their customers and continously mislead their borrowers and mess up their credit files with erroneous reporting. I have filed a myriad of complaints. I worked really hard to recover both my health, physical, mental and financial and Navient made it almost impossible for me to recover financially as they made me pay monies I could have used to repair my home after IRMA, instead I had to take money out of my retirement to pay the deductible. The funds they made me pay in XXXX should be reimbursed in full and they should not touch my or my co-signers credit report ANYMORE.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX XXXX XXXX, i am a chase customer, my account number is XXXX on chase, i didnt have any accounts with XXXX  or something similar and my account from chase was impacted with several withdrawals from a type of debit called XXXX  deposit , taking money from my account without my authorization, then i proceed to make the fraud report to chase and chase denied the claim saying to me like i have relationship with XXXX  XXXX but they dont prove nothing for me, i try to call XXXX  for ask for information and they didnt share any type of info with a third party person, i dont have any account with XXXX! Someone rob my money from chase. 

My claim number on chase is XXXX I submitted it, and then i send the letter yesterday monday XX/XX/year> via fax and on my chase online banking, they cant prove anything because they response unless 24h. Its crazy, i am going to a branch this week. I need responses
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENEP, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN ENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XXXX # XXXX was sent to Consumer Financial for issues I am having with Equifax. Today XXXX I am sending another complaint for the same issues I am having with Equifax XXXX 


The credit bureau- Equifax is constantly rejecting my credit report from access upon creditors request. They are denying release of my credit report saying " credit Freeze '' unable to access credit report. 

Equifax sent me a letter on XX/XX/2023 stating- there is no credit freeze on my credit report. 

On XX/XX/2023 - XXXXXXXX XXXX sent me a letter stating " we are advised that a security freeze was place on my credit report. '' This is beginning to be a issue, I can not get approved for any credit with Equifax because they keep denying me access to my credit report.
Consumer complaint received 2023-05-08
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I responded to an offer from US Bank NA and processed a balance transfer with 0 % until XX/XX/XXXX. The First month payment was {$300.00} and I paid before the due date. Not too long after that I received a letter from US Bank saying that my account is going to be closed on XX/XX/XXXX and I should continue making my payments as usual. When I received the next statement my payment went up to {$690.00} with XXXX being the interest. I contacted US Bank and inquired why there is interest charge where my offer was no interest until XX/XX/XXXX ( and that was the reason I transfer my existing balance from XXXX to them and also paid balance transfer fee ). Today I spoke with the person who closed my account and she advised me that once they close a credit card they take away all promotions. I told her that non of that is in their disclosures and it seems to me they trapped me offering a promotion and getting my balances and closing my account charging 15 % APR. I asked her to reinstate the 0 % until XX/XX/XXXX according to their offer but she refused. The only reason I transfer the balance was because of the offer they sent me and US Bank must honor its Offer.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/23, I disputed this XXXX account for the accuracy of reporting to the 3 major credit bureaus. 
I have attached a copy of the most recent reporting for XXXX and highlighted the inconsistencies they are reporting. I have not received investigation results regarding this accounts from them, I have also disputed this account via mail to the bureaus on XX/XX/23, XX/XX/23, & XX/XX/23.
Consumer complaint received 2023-11-26
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. (IL)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
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 All the accounts that's listed are not my accounts.
Consumer complaint received 2023-05-08
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. (TX)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX XXXX, TX XXXX.
Consumer complaint received 2023-11-26
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. (GA)

The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX these accounts 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
Consumer complaint received 2023-11-26
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. (NC)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account, 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 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.

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