davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you with an escalating sense of frustration and anger regarding the fraudulent accounts tarnishing my credit report. It has come to my attention that my financial integrity is under attack, and I demand an aggressive and immediate response from your organization to rectify this appalling situation. I was the victim & Im not sure why the CRA is not complying with the law. 

I can not overstate the severity of this issue and the urgency it demands. It is both infuriating and deeply concerning that my credit report, a document crucial to my financial well-being, has been compromised by accounts that are unequivocally fraudulent. I insist that you unleash the full force of your investigative capabilities to scrutinize and obliterate these fraudulent accounts from my credit report posthaste. The extent of this breach requires nothing short of an aggressive, immediate, and unwavering commitment to resolving this matter. 

XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED XXXX XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED I need you to comprehend the gravity of this situation and the irreversible damage that inaccuracies of this magnitude can inflict on a person 's financial standing. I will not tolerate any further delays, excuses, or half-hearted attempts to resolve this matter. 

Should you fail to rectify this situation with the utmost urgency, be forewarned that I will not hesitate to pursue all available avenues to ensure justice, including reporting your negligence to regulatory authorities, engaging legal representation, and utilizing social media platforms to expose your organization 's lackluster response. 

Time is of the essence, and I expect you to treat this matter with the urgency and seriousness it warrants. I anticipate written confirmation of the removal of these fraudulent accounts within 14 days of your receipt of this letter.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 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 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Auto Finance- In XXXX 2011 we purchased a vehicle and were offered an outrageous rate. We were desperate at the time and excepted. We recently got behind on payments do to a job lay off. I had been in contact with the bank and made a payment XXXX XXXX. They asked me my plan for getting caught up and I let them know I would making over he min payment until it 's caught up. It was XXXX payments behind. They were fine with that and we moved on. This past Sat I came home to it being repoed. I jumped on the phone asking what was going on and they said that they have n't been able to get ahold of us and that they have been calling and sending letters for XXXX months. I tried to make the entire past due payment and they refused it. I updated my address and phone back in XXXX when this all began. They claim to have been calling me for XXXX months .... I spoke to a rep on XXXX XXXX that processed my payment for me. They claim to have sent letters but to an old address and that they did n't have the new one yet the driver was at my house. I also have to verify my address every time I call in and for them to process my credit card payment. The loan was originally for $ XXXXk and change. My last payment paid off the principal balance plus some. Coincidence? I still owe over $ XXXXk. This loan was never meant to be paid off and they knew that. It would be impossible. On Monday I went to log into my online account and they had already deleted it from the system. Please let me know if there is anything we can do. Thank you!
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/16 I tried to make an online purchase from a company I frequently make purchases from. I have had subscriptions with this company using my debit card. Today I put my information in and got a not yet authorized message try again. The whole time I am trying again thinking I did something wrong because I had more than enough money to cover the XXXX purchase. I even tried another item for XXXX thinking that item for XXXX might be out. After several attempts and giving up. I get 1 text from Bank of America asking me if I authorized a payment to the company for XXXX. I said yes. The text tells me to go back and make the purchase again. I did and it went through. I look.on my online account and BOA has charged XXXX not once but every time I tried a total of 8 times plus 2 times when I tried another product for XXXX to see if that would go through. They reversed the XXXX one time. Why are my purchases being declined without telling me when the money is there? Resulting in XXXX of my money being held up. The email they sent me was for 1 transaction and even told me to go back and try again. I had more than enough money in my account before and was declined at the grocery store. I was later told I don't normally shop there. I had shopped there many times before. Am I only allowed to shop in my neighborhood.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Due to a house remodel gone awry, I need to transfer money from my HELOC to a balance transfer credit card to free up funds on the HELOC and have some time to pay it down at a lower interest rate.

I contacted Chase for this since I already have two cards with them. I was approved for a large amount. Additionally, I moved available credit from my other two existing Chase credit cards to this new (
Slate ) credit card. They had said I wouldn't be able to directly pay the HELOC, but should be able to pay a checking account I could use to pay the HELOC, or another method. I was approved, I got the card. And then I found out there was, in fact, no way I could use it for any sort of balance transfer, as the only thing it's good for is credit card-to-credit card. I don't carry a balance on any of my credit cards and pay them in full each month, as they could obviously see when they pulled a hard inquiry on my credit. 

So now I have a shorter average for my credit history ( subtracts points from one 's credit score, as it has done to mine already ) and a credit card with a huge limit that I can not use. 

By the way, this is not the first time Chase has pulled something like this to me to reach their sales numbers, and I'm happy to report that one too ( whose implications are far greater, and life-threatening to my family as they said we had to move into our unsafe house in order to fund the HELOC, but assuring us we'd been approved for it. Then they denied it based on the house 's unsafe condition -- by the time we were living there. )
Consumer complaint received 2022-10-25
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: Block, Inc. (NY)

Multiple disputes being denied by cashapp without any explanation even though I've showed proof that what I purchased was never delivered. 

Another issue is having refunds submitted but cashapp canceling the refund so it never reaches my account. This company does what it wants with other people money
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I filed XXXX claims for being scammed for a total of {$1000.00} on XX/XX/XXXX. I never heard anything back from Zelle and when I called they said that they couldn't provide any information.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

A collection showed up on my credit report in XXXX of this year ( 2023 ) from an Eastern Account System. I made an attempt to reach out them to collect more information regarding this unknown collection, and to date, they have not been responsive. A letter was mailed out on the XXXX of XXXX of this year ( 2023 ) to both XXXX and XXXX ; however, I have received no communication as to what this account could have even been about. I requested original docs, signatures, and/or statements -- even allowed more than the 30 days turnaround.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid 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. (CA)

This complaint is regarding a {$1100.00} charge to my Chase Visa card on XX/XX/18 identified on the credit card statement as : XXXX XXXX XXXX XXXX CA XXXX 1 XXXX XXXX XXXX 2 XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX ; I was notified immediately by an email alert from Chase that this charge had been made. ( I receive these for all charges made to this card ). When I read the email alert, I immediately called Chase to inform them that this was an unauthorized, fraudulent charge. The account was closed and I was assured that I would not have to pay this. A {$1100.00} credit was issued to my account. This was on XX/XX/XXXX. Now I have received a letter from Chase dated XX/XX/18, stating the charge was posted to my bill. Reason : " You received benefit from this transaction. '' I again spoke with Chase on XX/XX/XXXX, the rep handling this issue reopened the dispute, but called me back on XX/XX/XXXX and informed me that the fraud dept would decide on this and inform me of their final decision. I called XXXX, spoke with XXXX on XX/XX/XXXX. They had a passenger for this ticket that used my name. I was able to find discrepancies : the email address used is not mine, and DOB from the passenger 's ID is incorrect. XXXX referred this issue to the fraud dept by " filling out a form. '' I am waiting for callback from them ( XXXX ).
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

Bank is : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I XXXX XXXX XXXX that the Retail Installment Contract # XXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did Ii have knowledge of the said Collateral.

I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which may hereafter be instituted in connection with he matter of the Affidavit.

FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer report..
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

I recently noticed a credit card inquiry for Barclays listed on my credit bureaus reports I contacted Barclays and requested that they remove the credit inquiry because I did not authorize it and it was as a result of fraud Barclays responded in writing on XX/XX/2023 and advised me to call them if the credit inquiry was a result of fraudulent activity. I contacted Barclay on many occasions including today, XX/XX/2023 and I spoke to XXXX in the customer security department who advised that she would not assist me and abruptly disconnected the call while I was requesting her assistance. This company has refused to address my concerns and to remove the credit inquiry from my credit bureau reports and their fraud representatives have refused to process my requests. See attached notice from Barclays :
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today XX/XX/2023, I spoke with XXXX agent Id XXXX that verified there was still a balance and the last payment was in XXXX of XXXX He also verified it showed in the notes my money was received on XX/XX/2023. This verifies they received the attached affidavit letter that came with the money order explaining if it was refused for any reason to send back the XXXX negotiable instrument with as to reason why it was refused. Capital One did not do that, instead they closed down my account without a reason why. This is XXXX and they have committed the act of extortion which is a XXXX offense. By accepting a money order and not sending it back or applying the credit to the account is embezzlement and fraud. The letter clearly stated if it was refused for any reason to send back the original instrument. XXXX months is dishonorable and way past a reasonable and acceptable time frame. The balance should have been completely XXXX pursuant to XXXX XXXX XXXX also supported by XXXX XXXXXXXX XXXX I was transferred to supervisor XXXX of the fraud and dispute dep. She could not answer my questions nor explain the violations being committed or why Capital One violated their arbitration agreement by not refusing to pay their arbitration filing fees. She stated she could not provide me the XXXX contact information as this needs some MAJOR attention for the Lies, XXXX, XXXX XXXX XXXX these XXXX are committing. She stated someone would reach me back in XXXX business days. I dont need a computer generated response, I need a higher up.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MA)

i open an account with XXXX XXXX XXXX in XXXX the the account was charge off in XXXX seems like the debt was sold to many debt collecting agency, XXXX XXXX file a judgement against me in XXXX for missing a court date which i dont know about, are the court serving me any summons. 
i was in court XXXX of this year where the court set a date for XX/XX/XXXX, XXXX XXXX send me some documents which was a bill of sale and a chain titles, which was not print properly and one of the document has no signature, and exhibit A document is missing to show who really owns the debt. 

i went to court XX/XX/XXXX because there was a judgement the judge refuse to see the faulty documents, and i have to return to court XX/XX/XXXX for a payment review, also the same company XXXX XXXX XXXX sending me a new credit card in the mail i would your consideration of this matter thank! XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hello, My name is XXXX XXXX and 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 am attaching proof that Equifax has admitted that I was in fact a victim of this data beach and Equifax has done nothing about it. Please help me delete these illegal accounts from my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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. (IN)

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 numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-26
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. (AR)

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account XXXX XXXX also XXXX and Equifax shows a different account # which is # XXXX XXXX I am Attaching identity and proof of address.
Consumer complaint received 2024-04-19
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)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-02-13
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: ID Analytics, Inc. (NC)

I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.
Consumer complaint received 2018-11-27
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. (MD)

On XX/XX/2018, I received a notification from XXXX, an OMP cyber   incident monitoring service which identifies possible fraudulent activities on one or more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Experian to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Experian refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.