davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I was part of the data breach with equifax and my information was compromised and do not recall these files please delete off my credit report I have submitted a complaint to the ftc as well. 


Attached is information off the ftc website
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-03-26
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written non-written verbal non -verbal per 15 US Code 6802 as of XX/XX/2024 XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am trying to purchase a house and according to 15 USC 1681 there should be no damaging or incorrect data on my credit report. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX employer ThermoFisher. All three credit agency has inaccurate data.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written non-written verbal non -verbal per 15 US Code 6802 as of XX/XX/2024 XXXX
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WI)

I have requested over and over again for Experian to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Experian has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Experian is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : XXXX XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I Opened a claim for 4 transactions made with my debit card Visa ending in XXXX on XX/XX/year>, for merchandize not received. 
I never get any letter or correspondance on my mailing address with the information of the claim, or any update about the case. Also I never received the provitional or final credit for the disputed transactions. 
I sent to the bank a couple of days after the claim was opened the letter explaining the situation and the invoices to support my case ( attached ). 
Claim number : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

I was emailed on XX/XX/XXXX from Genesis that my collections was past due and placed for collections on XX/XX/XXXX. I spoke to an employee at Genesis and she told me that since I cant afford to pay the total amount immediately that I should use my car as collateral. I was never told that I could dispute this. I was confused because I ended my lease in XXXX and tried to get in contact with XXXX XXXX XXXX to pay the bill and never recieved a call back or response. Also my total when I signed the papers to end the lease was {$2300.00} and now they say that I owe {$6100.00}. I get a call from Genesis every single day.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

Around XX/XX/2023, our company XXXX XXXX XXXX cancelled services with our payment processor XXXX. However, they continued to charge our checking account for months. We contacted Chase and initiated an ach dispute, but without explanation Chase closed our disputes saying that we authorized the transaction. We sent them statements showing the account was not being used as well as docusign documents and communications with the payment processor XXXX  requesting cancellation and a return of our fees, which XXXX  agreed to in writing. Then they later said they would not return the fees. We reopened the claim with Chase and again it was closed with no explanation. The rep said it was because we originally had a contract with XXXX. They didn't care that we had cancelled. There's even a box to check on the ach dispute that mentions revoked authorization which we checked. Chase didn't care. After some research, I discovered that Chase is a " core payment provider '' for XXXX. I believe this represents a conflict of interest and a breach of their fiduciary duty to us as their customers. At no time, was this mentioned in our dealings with Chase.
Consumer complaint received 2021-07-08
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: AmerAssist A/R Solutions, Inc. (CO)

The dispute resolution process, along with fraud and deceptive unethical practices, has caused me to lose my new construction home. My credit fell XXXX points and then XXXX  and XXXX  dismissed legitimate pleas for assistance and consumer protection. 
XXXX  verified the collection as legit ; despite the mountain of evidence I have submitted to collaborate my claim. I do not owe any money whatsoever, and XXXX XXXX XXXX along with XXXX XXXX XXXX are committing egregious acts against consumers and NO ONE is doing anything for the victims. 

Amer-assist, XXXX, and XXXX  MUST KNOW what is going on with these companies and I have proved that I owe nothing for the XXXX XXXX. 

I believe that I am owed damages for my XXXX XXXX and XXXX XXXX perpetrated by these plastic things which aren't even a real product, gives no results, and caused harm to me. I even joined a class action against XXXX XXXX. 

I have literally been XXXX XXXX XXXX XXXX XXXX out of a home and a dream by this injustice!!!!! And I can't get anyone to listen or rectify a single thing!!!!!! 

All of these companies, along with the CSR 's should be ashamed of themselves. They should tell my children why the system is so backwards, that we lost our home over some XXXX XXXX  that was illegally financed and damaging not only to my mouth, but to MY LIFE!!!!!!!!!!!!!
Consumer complaint received 2024-03-05
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: Resurgent Capital Services L.P. (FL)

LVNV Funding- {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from XXXX, XXXX, or the collections agency. This account needs to be removed based on my rights via the FCRA.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I do not know the company, have requested information from them, as well as sending a copy to you. This collection account is listed as open on all 3 credit bureaus. An open status indicates that credit is still being issued and constitutes FDCPA violations. FDCPA 15 usc 1692 e2a, falsely reporting legal status of account as open as defined by 15 usc 1681 af. This account must also be removed from all 3 credit bureaus for inaccurate reporting. It is listed on XXXX, and XXXX but not on XXXX. All of this as well as them not being able to provide proof of chain of ownership among other items.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, Ca in XXXX. The finance company Wells Fargo. I immediately purchased insurance from XXXX XXXX and they cancelled policy shortly after for unknown reasons. I purchased insurance with other insurances too however this was by far hard to do making minimum wage at the time. I struggled immensely, to the point of being homeless and living in a motel and in my car for months. Wells Fargo added insurance policies to my monthly statements making nearly impossible to pay and leading up to repossession not once but twice. I was very vocal about requesting extensions and giving me time to pay the fees on top of fees which again made it impossible to stay up to date. Not only that, but this car was a damaged car, repair after repair and fees after fees. Eventually lost the car to repossession and not being able to retrieve it. I struggled financially for years and years due to this car loan. I applied for numerous loans after this for a car and was denied over 60 times. I was shorted from getting an education because I did not have the means to travel to work then school. I was shorted for career advancement due to commute issues. I was shorted from financial ventures because I couldnt get the credit. This ruined my chances of doing good for myself. I am enclosing all the proof showing i did my best but Wells Fargo on the contrary showed no empathy for my situation and many others. Its a shame that because of them I have fallen into financial stress, XXXX, health issues, deprived of an education, deprived of career advancement, everything was ruined due to this loan. Please review. I am requesting compensation for all the damage they have caused me.
Consumer complaint received 2024-02-20
Product: Credit 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: Bread Financial Holdings, Inc. (ID)

To whom it may concern, I first off want to apologize if I come off as rude, I am extremely frustrated because I have been trying to dispute a charge since XX/XX/XXXX with Comenity Capital Bank as per the email instructions that were given to me by the airline company. However, Comenity Capital Bank hasnt processed any of these disputes properly which now has placed me in this position, A YEAR AND A HALF LATER. 

I think the easiest way to understand this will be in chronological order as follows XX/XX/XXXX- I purchased airline tickets for {$240.00} with XXXX XXXX XXXX my Bed Bath & Beyond Mastercard. 
XX/XX/XXXX - I received an email from XXXX XXXX stating they ceased all future flight operations starting on XX/XX/XXXX due to filing XXXX  XXXX Bankruptcy. Per the email. They stated for me to reach out to the credit card company to request a refund. 
XX/XX/XXXX - I received a duplicate email from XXXX XXXX  stating the same thing XX/XX/XXXX - I filed a dispute with Bed Bath & Beyond XXXX XX/XX/XXXX- I received correspondence from Comenity Capital Bank XXXX XX/XX/XXXX requesting additional information. 
XX/XX/XXXX - I submitted all requested information to Comenity Capital Bank XXXX XXXXXX/XX/XXXX - XXXX still have not received any communication from the bank regarding this dispute so I re-initiated another dispute through customer care. 
XX/XX/XXXX - I receive an acknowledgement letter from the bank about the dispute. 
BY XX/XX/XXXX - I receive my paper statement showing the {$240.00} charge has been placed onto the account. I havent received any other documentation This charge was in dispute for over a year per my paper credit card statements. 
I tried to reach out again to dispute the charge in writing but then I received documentation that it's been longer than 60 days from the purchase..
Consumer complaint received 2024-01-15
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. (PA)

Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft has been recorded with social security, federal trade commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud on consumer report. All communication must be USPS no phone calls will be taken.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

First I want to thank you for taking the time to read my letter, secondly I wanted to tell you about me, my name is XXXX XXXX XXXX, a widow, living on a fixed income that is mainly what I receive is the monthly Social Security check for the amount of {$1200.00}, from that amount I have to pay my home expenses, such as Property Taxes, Utilities and food ; and third I wanted to file a complain for the Bank Chase, specifically their branch located at XXXX XXXX XXXX XXXX in the city of XXXX Texas where I know that the amount of {$1300.00} was taken internally by the cashier XXXX ( dont have her last name ). On Saturday, XX/XX/XXXX I walked into the above Chase branch to get a print out of the available funds ( copy of the summary attached, dated XX/XX/2023 @ XXXX ) but a minute later it shows a withdrawal that I never asked for or received the funds for the full amount that was in the account on that day Saturday XX/XX/XXXX, they extracted everything. 

On Monday morning, XX/XX/XXXX, I walked into the Chase branch that is located at XXXX XXXX XXXX XXXX XXXX, and was told by a cashier/teller that I needed to go back to the branch on XXXX XXXX XXXX because they had made an error and they had to correct it, but when I went into the branch on XXXX XXXX XXXX XXXX I was told by the teller XXXX that I had already withdrawn the funds from my checking account, since my first language is XXXX I requested to speak to another teller or supervisor that would be able to explain in XXXX what had happen to my money, unfortunately the second teller that spoke XXXX did not want to help me, her words were I can not help you she said to go see the branch manager supervisor, I tried talking to the branch manager but she was very rude, accusing me of already taking the money ( sorry, but I dont have the manager or the second tellers names ). 

I have filed a claim with their corporate office and they denied to help me ( Refence # XXXX ), I also filed a police report but I was given the same negative response ( Police card with the case # attached ) you are my last option, I beg for your assistance, those funds were STOLEN by the employee ( s ) in that branch, Im suffering to pay my bills because of that money they have illegally taken. 

I Hope and pray that you may be able to help me. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am formally disputing the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history. I kindly request that you update my account information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history. I have called the bank and they agreed to update their records and remove the late payments from the accounts. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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. (TX)

Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, XXXX, XXXX and Experian. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the Military Star Card, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank blocked me from accessing my checking account and fund in the account since XXXX XXXX XXXX The account had a balance of {$15000.00} at that time. Fifth Third Bank claimed to have closed this checking account on XX/XX/XXXX. However, Fifth Third Bank did not send the account balance of {$15000.00} to me and has not provided all information detailed this account closing claim and its related balance.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.