davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX spoke to Chase Credit Card about promotional check, spoke with representative XXXX. I asked about what the minimum payment would be if I wrote a check. She explained it would be 1 % of the amount wrote. I wrote a check No.XXXX on the promotional on XX/XX/XXXX for {$15000.00}. She told me the minimum payment would be {$150.00}. there was a 4 % sevice fee added to that for a total of {$15000.00}. On receiving statement on XX/XX/XXXX on line, the minimum payment was {$780.00}. I called Chase at this point for an explanation. I spoke with representative XXXX, that looked at it and said that is not correct. She transferred me to Manager XXXX that explained the bill was 1 % of the balance plus {$600.00} service fee to be paid on the first payment up front? I received my next statement for XXXX and the next minimum payment was for {$740.00}, not the {$150.00} that she quoted. On XX/XX/XXXX I drove to the local Chase Bank where the representative their looked at the paper work I have received and she could not make any sense of it. She called and was also told they can't do anything about it. She was told that I signed an agreement back in XX/XX/XXXX to pay back 5 % of the balance for the minimum payment. I do not have any paper work from 23 years ago. They send these checks to me all the time. I would think these checks or paper work would give you some kind of an idea what the minimum payment would be. The local bank representative agreed and filed a complaint. She said the manager was going to file a complaint. I spoke with a man name XXXX again and he said the will not do anything. I am XXXX years old, on a fixed income, and an extra {$600.00} added to my payment is killer. I never would have wrote the check except I was assured the payment was {$150.00}. I have been totally mislead by the reps at Chase. the local bankers also agreed, who has kept paper work from 23 years ago. Help!
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (CO)

I have been receiving phone calls everyday from different phone numbers or private numbers for Comenity Bank for an ULTA credit card debt. I have asked to stop calling during work hours. The phone calls got more aggressive after XX/XX/2023. I had to empty my voicemail box frequently They will call as early as XXXX to as late as XXXX at night. They've been leaving voicemails to the point where it would make my voicemail box full every 7 days. I've really heavily on my phone as I am oncall for a hospital and I've missed several important phone calls for shifts due to harassments from Comenity Bank. They even called my husband phone number XXXX to communicate with me back in XX/XX/2023. The following images uploaded starts from XX/XX/2023 and dates back XX/XX/2023 consecutively for more than 7 days calling everyday multiple times under differently numbers or private numbers. The rest of the images are voicemails they have left recently. Unfortunately I had to delete a lot of the voicemails due to my mailbox being full and I uploaded text message dating back to XX/XX/2023. I do have a call list for the month of XX/XX/2023 where they called me everyday various hours, I'll be more than happy to provide.
Consumer complaint received 2023-06-15
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. (TX)

Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have XXXX days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 


I await your response.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In my previous complaint Experian fails to comply with the FCRA in correcting and reporting accurate information This account was paid on XX/XX/18. 
This information was disputed and updated by XXXX XXXX XXXX but experian does not want to do the right thing. 

112 Claims inaccurate information Bank statement attached to prove payment was made XXXX XXXX  is not my name please remove.
Consumer complaint received 2024-04-22
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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 2023-06-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 XXXX 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 2023-06-15
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. (PA)

XXXX XXXXXXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX BILLINGS, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} Past Due {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

Based on the Consumer Law, the following companies are NOT allowed to report Transaction History. A Corporation can not report transaction history ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (AR)

I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. (AZ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-15
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)

Inquiries XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These donot belong to me! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-06-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following : XXXXXXXX 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 2023-05-07
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. (NY)

My name is XXXX 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.
Consumer complaint received 2024-03-18
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. (MO)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, Paypal suddenly taken entire funds from our account. Totalling US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previously we were selling digital items on paypal. Until on XX/XX/XXXX they stated we " can no longger do business on their platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), or in other words being permanently limited, in which they also stated remaining balance will be hold " for the moment '' and will be available for withdrawal " after 180 days '' ( XXXX XXXX ) Waited quite some time, we finally received notification email from them on XX/XX/XXXX saying the funds status are now " eligible for withdrawal '' ( XXXX XXXX ), in which we tried to withdraw but always failed. We keep getting " there's a problem with your account '' error Knowing that we have been " eligible '' but still unable to withdraw, we tried contacting paypal through their support chat in which they replied will escalate the situation ( if we remember correctly- as the message sent and received there get cleared soon enough ), yet after more waiting and several times trying, we still unable to access the funds Then, on XX/XX/XXXX, all of sudden we got ANOTHER EXACT SAME email saying that we " can no longer do business on paypal '' ( XXXX XXXX ), which is weird as we've received got this same message before. How could account that have been closed, got closed again? No way we have to wait another 180 days. Sending to support ticket, few days later on XX/XX/XXXX got email saying the funds are now " eligible for withdrawal '' ( XXXX XXXX ), yet again and again, still unable to perform the actual withdrawal Our peak disappointment happen during that XX/XX/XXXX when they decided to just flush away our funds like that. We've tried to do the right thing by refunded all those who disputed the transaction, and yet paypal still took our {$25000.00} under nonsense " XXXX XXXX '', which we think unfair. If, we indeed did damage to paypal other than what has been refunded, the fair resolution would be taking that equal sums ( then showed us refunded to which customers so we can address to them personally ), and not ENTIRE ONE!
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TN)

I called the daycare to inquire about enrollment for my child. They did not return my call until days later, informing me that they can enroll her that same day. I advise them that I no longer needed their service. The Director sent me a bill stating that because I asked about enrollment, she enrolled my child Which is unfair how can you enroll someone and we do not agree to enrollment so she is charging me be an enrollment fee
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WI)

This is the third time I 've written to you about this problem with Nationstar. They continue to charge me for homeowner 's insurance and attach the charge to my mortgage, even though i do n't want that insurance policy and made sure it was cancelled by XXXX XXXX. when i write to them, they say they have to do further research and i never hear from them. they will not allow me to make payments for less than what their website shows, so i am falling behind because i will not pay what i should n't be charged for. loan # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MI)

I sold the XXXX  XXXX XXXX to XXXX XXXX XXXX at XXXX XXXX, Michigan in XXXX. XXXX and they transfer XXXX dollars from their Chase business account to my personal Chase checking account. On XXXX. XXXX, it said the money is delivered on the dealer end but i never got it so i went to a branch ; the advisor said give it another day. Today is Tuesday, the XXXX. The money is still missing and I made my second trip to the branch and got the same response : wait.
Consumer complaint received 2024-03-18
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. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.