davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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)

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. 

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 has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MI)

I check my credit report today and it says I have a account open with JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX I have never had a credit card with XXXX limit from them and it says it was open in XXXX XXXX
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lentegrity Management, LLC (AZ)

On XX/XX/2024 around XXXX XXXX  I called the company to post date my payment for some time in XXXX. The man that I spoke to refuse to schedule my payment and demanded a payment by the end of XXXX. I explained my hardship and he showed very little empathy. The man kept demanding a payment in full and was asking questions that led to possible repossession and was stating things that I never said such as " So your saying you can't afford these payments? '' The man was very rude and I explained to him I am aware of the consequences for non payment and can't make my payment till XXXX. I did explain to him I plan to catch both payments up. The next day on XXXX  around XXXX, I received an outbound call and I spoke to a woman who just verify me by my name. I explained to her I already talked to them and said I can't make the payment till XXXX. I asked her if they were going to call every day and the woman said yes. Even though they refuse to accept my payment in XXXX. When she called she did not verify my social or date of birth. She only verified by name. I explained to her that I could have been anyone other than the customer and she said that she verified by name and that was sufficient enough. She also did not state the mini XXXX. I do believe with her saying they were going to call every day that is considered harassment when they are refusing to accept and postdate my payment in XXXX. The lady that called me said she was going to transfer me for some reason to her supervisor. I disconnected the call due to my lunch ending as I had to go back to work. I received another call from the company a little past XXXX  and the woman claim she was returning the call per request. I never requested to speak to the supervisor but when the lady called she started asking again about the loan. I did advise her I am working and I can't take the call. She acknowledged that I couldn't take the call but continue to ask about the loan. I informed her the same thing, I asked her to talk to her team member as she is the supervisor and she explained to me she was the team lead, not the supervisor. I did explain to her that I would like her to coach and revisit the phone calls that were discussed as the team member falsified leadership. I did explain to this team lead regarding a cease and desist and she requested it in writing. I also informed her per TCPA law they do not have permission to contact me on my phone. She did provide me with the email address therefore, I sent a cease and desist letter due to the harassing calls continuing and this matter regarding violations. The company has caused me stress regarding the past due balance. Due to the FDCPA I know there are laws regarding verification, mini XXXX to inform me they are collecting a debt and they can not call every day after a party contact when they refuse to make the arrangements where I can post data payment. I have attached a copy of the email I sent for the cease and desist along with a request to submit a complaint.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I went to the 5/3 branch in XXXX Florida with a copy of the death certificate and my ID after my aunt passed away. XXXX at the branch didnt know what he was doing and brought in the branch manager, XXXX XXXX He also didnt know how to have the account pay out. He contacted home office and it took a very long time. So long that I couldnt wait for more hours and I had to leave. XXXX called me to let m know they finally figured it out and I could pick up the checks. My wife went by and XXXX was there and he wouldnt give the checks to her. He stated he would have them mailed the next day. I called the next day to get tracking and he didnt mail them. He didnt package them to be mailed either and unsure how they are getting the funds out to me and the other beneficiaries. These are bank checks so it is very important they are sent secure. They arent telling me if they are taking that liability if the funds are lost. I also have no idea how much the checks are for and if it the correct amount or not. I contacted thier home office customer service department and they are going to investigate it, but that means they will direct attention to the local branch. This branch also didnt know how to setup an estate or trust account either and I need to go to a different bank to set those accounts up. It is a newer branch but they are really uneducated. They were asking for my aunts will, which isnt needed as accounts with beneficiaries do not pass through probate thus no need to look at the will.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (GA)

In accordance with the fair credit reporting act this creditor has my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2024-01-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (NM)

XX/XX/XXXX my payment was increased from {$490.00} to {$530.00}. Unfortunately, I didn't notice this increase at first. It wasn't until XX/XX/XXXX that it became evident that they had increased my bill and that is when I called them. In XX/XX/XXXX they increased it additionally to {$600.00}. I called them and was told that they had not increased it but the Insurance company had increased my premiums causing the increase to my premiums with Wells Fargo. 
Of course, I called my insurance company and also checked my property tax as well and neither one had increased and Wells Fargo refused to reduce the payment. 
Within four months my payment had increased by over {$100.00} and we were stuck paying it.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have a business and open a savings account at the bank. a bank account for the company. They never sent us the cards. We put money in the account and without the cards we can not transfer or withdraw the money. We haven't been able to get the money for 2 months now.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023 someone opened a credit card using my identity information with Chase Bank. They used an address I had 15 years ago. They made one purchase for {$1200.00} on the card. They purchased something from XXXX XXXX XXXX the same day. I did not know anything about the account until I heard from the collections department last XXXX by phone. They closed the account and I just received the investigation results from XXXX. In the remarks, it said that the credit grantor closed the account and the balance was charged off. The alarming remark to me was that this will effect my credit report until XXXX/XXXX. This is unfair to a victim who did not open the account and did not make any purchases. 

Thank You, XXXX XXXX
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (FL)

Citibank informed me that they would only deposit physical checks at the branch and not digital checks and that they could do nothing to resolve the application problem. The application continues to show an error when I select the option to deposit the check and every time I try an error message appears.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. ()

I am writing to formally file a complaint about the handling and misinformation regarding my Chase Plan, initiated in XX/XX/2023. 

I enrolled in My Chase Plan for around {$50000.00} payment, to be paid over 24 months. According to the email confirmation from Chase, I understood that I should pay the " interest-saving balance '' to avoid interest on new purchases and only pay the " statement balance '' if I wished to settle the plan early. 

Following these instructions, I set my automatic payments to cover the interest-saving balance. Due to limited credit availability, I made a substantial transfer in XXXX to free up credit for additional payment. However, to my surprise, these prepayments were applied to my Chase Plan, significantly reducing its balance, contrary to my intentions and understanding of the plan 's terms. 

Upon discovering this, I contacted Chase customer service multiple times. Initially, I was assured that the issue would be rectified in the next billing cycle. However, subsequent communications yielded inconsistent information and, ultimately, I was informed that the payment structure could not be adjusted, although the interest was waived. 

This situation has caused significant inconvenience and financial strain. The primary issue stems from the lack of clear information regarding the terms and mechanics of My Chase Plan, which led to the unintended application of my prepayment towards the plan 's balance. This misunderstanding has resulted in an unexpected financial obligation of approximately {$70000.00}, far exceeding my initial expectations and current financial capacity. Had the plan 's terms been clearer and my prepayment applied as intended, I would be required to pay only around {$24000.00} immediately. 

Therefore, I reque

st a thorough review of my case and a proper resolution that aligns with the original terms of My Chase Plan. The inconsistent information and misapplication of payments have not only caused financial distress but also eroded my trust in Chase 's services. Thank you for your prompt attention to this matter. I look forward to a resolution that is fair and in accordance with the original agreement of My Chase Plan.
Consumer complaint received 2023-09-22
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Dunning Law Firm APC (CA)

I originally opened a credit card account with XXXX XXXX XXXX XXXX XXXX more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to The Dunning Law Firm APC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from XXXX XXXX XXXX XXXX XXXX, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$2300.00}
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I filed a claim on XX/XX/23 with Wells Fargo. I was told I would be getting a provisional credit. I did not do any business with pretty little thing. I attempted to but the website was giving me an error message. But my bank was still authorizing for the payments to come out of my account. I spoke with different associates for the past 4 days from the XXXX and they were all rude and giving me the run around about receiving my money. I didnt authorize the purchase because I dont have a receipt to confirm purchases. Today the XXXX and they have denied my dispute saying that I can not open a new one. I have not received any products from pretty little thing. Not even a confirmation number.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CO)

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response