davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (OH)

I opened my Chase checking account and saving account on XXXX. According to their annoucement, I should have received {$900.00} promotional bouns from these open accounts ( {$300.00} XXXX {$200.00} XXXX {$400.00} extra ) as long as I complete the mission. 

The problem is, I only received {$300.00} XXXX account bouns from Chase. I have deposit {$15000.00} within 30 days of opening for 3 months and provide them with the coupon code, but they refused to accept that and refused to offer me the saving bouns and extra bonus ( {$200.00} saving+ {$400.00} extra ) because they insisted that I should ask for the bonus within 21 days of opening account, which was not mentioned at all when I opened the account. I was not notified by any bankers, official advertisements or from anywhere else, and Chase customer service didn't give any explanation for this, and even neglected my inquiry for weeks since XX/XX/XXXX. I would consider this is an advertising fraud and financial improperties! 

I should not take responsibility for this and I feel totally cheated. I am definitely qualified and deserved the bouns back from the bank.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- Orange County sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit 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 2023-06-12
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. (NC)

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 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

It appears there's been some confusion regarding my XXXX account. Despite returning the phones and receiving a refund for my deposit, I was surprised to learn that my account was sent to collections. I never received a bill from XXXX, and I believed the account was closed after returning the phones. To provide a timeline : - On XX/XX/XXXX, I reached out to XXXX to switch from XXXX XXXX XXXX XXXX 
- My account was created on XX/XX/year>. 
- On XX/XX/XXXX, I received the phones from XXXX. 
- XX/XX/XXXX, I reached out to XXXX to activate and switch lines over to the new phones. 
- On XX/XX/XXXX, I contacted XXXX and informed them that I decided to stay with XXXX XXXX  XXXX due to issues with activation and switching the phone lines over, and I requested my account be closed. 
- The same day, I went to return the phone at XXXX XXXXXXXX XXXX XXXXXXXX but encountered an issue with the manager. I left the store and called the customer service line, where I received shipping labels to return the phones by dropping them off at a XXXX store. 
- On XX/XX/XXXX, I received emails confirming that all three phones had been received and that my deposit was returned to my credit card. 

However, despite these actions, I recently discovered that my account was closed on XX/XX/XXXX, with a balance of {$620.00} in collections with Alliance One. I called to dispute with both XXXX and Alliance One to resolve the issue promptly.
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. Also they aren't even in compliance with metro 2 credit reporting. I have
evidence to prove my case
Consumer complaint received 2024-03-02
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

My credit score with Equifax which was 700+ was reduced to XXXX without an explanation. In reviewing my account the only thing that stands out is an unsubstantiated, derogatory comment in reference to XXXX XXXX. The XXXX XXXX account was paid in full. A review of other credit bureaus shows nothing derogatory from or about XXXX XXXX, only Equifax has the negative comment and reduced score. 

When I first reviewed my account and noticed the reduction, there was no explanation. Two weeks later, I reviewed my account again, and this time Equifax had entered the derogatory comment about XXXX XXXX. I believe they went fishing for an explanation for the reduction in my credit score.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (TX)

First of all their are a lot of deficiencies in the reporting of this account. The date the account was opened is showing differently on each bureau. XXXX date opened is showing XXXX and XXXX and XXXX are showing XXXX. Also the last payment date is conflicting as well. XXXX is showing last payment date of XXXX, XXXX is showing XXXX and XXXX is showing XXXX. According to the Fair and Accurate Credit Transactions Act any inaccurate information reported on my credit report should be removed immediately. I do not owe a balance on this account and all of the above has been reported inaccurately. I requested to get this information on a balance owed in the middle of XX/XX/year> and the account came back verified on XXXX through XXXX and no update for the other XXXX bureaus. I requested these items through an electronic dispute and never received anything and I also called the creditor and had no success getting my issue resolved.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Jefferson Capital Systems is continuing to falsely report on my credit files thus violating my rights and the law. Jefferson Capital Systems has put multiple collections/closed negative accounts on my credit file for an alleged debt that is past the legal Statute of Limitations. Jefferson Capital Systems has NEVER sent me anything in writing regarding this alleged debt. I have received no notifications from this company. I have not had any opportunity, whatsoever, to dispute this alleged debt prior to Jefferson Capital Systems reporting it on my credit files causing continued damages to my credit score and emotional distress to me, nor has the alleged debt been legally verified. The alleged debt, according to the files added to my credit files, is also past the Statute of Limitations for reporting on my credit files and collecting. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) requirements, Jefferson Capital Systems is continuing to violate the law and my rights. 
Thus, Jefferson Capital Systems is purposely and knowingly breaking the law and causing damages to my credit files, regardless of the laws in place they are required to follow. By doing so, Jefferson Capital Systems is purposely attempting to intimidate and coerce me into paying them for an alleged debt that is not only irrelevant but also not pertinent as per Statute of Limitation laws.
Consumer complaint received 2022-12-21
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NM)

I have continued to make uninterrupted payments since 2015, even through the pandemic deferment. My balances never go down and even continue to accrue interest. I've called about this and have just been sent applications ( x 2 ) that never go anywhere.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NE)

I sent a letter to the company, and informed them that, due to their actions, in concert with the actions of my other creditors, and the credit reporting agencies, my XXXX XXXX was deliberately downgraded so that I was unable to secure a low-interest, low-payment consolidation loan to pay of my credit cards and get out from under the XXXX XXXX interest rates they were charging. They are refusing my offer to pay the balance off with what I can afford, and the Consumer Finance Protection Bureau improperly closed this complaint without the companies providing a reasonable explanation of WHY they kept downgrading my XXXX XXXX over a XXXX year period. They sent me a letter requesting that I call them because, according to them, the issue of making payments was too sensitive a topic for them to respond via mail or email. When I called them, they only insisted I pay the remainder of this month 's payment ( past due amount ). Nothing else. Their response did nothing to address the issues I raised. The previous complaint number is : XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX . The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a XXXX XXXX XXXX account open reporting the amount of {$310.00} inaccurate that was also fraud. and Kikoff lending LLC reporting late payments and inaccurate balance.
Consumer complaint received 2023-07-31
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. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
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. (GA)

I contacted Transunion about items that they have listed on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. They have not produced any original signed copies of any on the accounts. When a consumer request for verification of proof of signed documents the credit beaus are to product this information. I do not have any business nor accounts with those creditors
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK (OK)

Received {$1500.00} for an XXXX XXXX. I told them that I had not. They asked if I was up in the XXXX United States and made the computer purchase. I told them that I had not. Then they transferred me to what was supposed to be MidFirst Bank to XXXX XXXX at XXXX. After he asked some questions that I was uncomfortable answering told him that I needed to call him back. I called my local MidFirst Bank and asked about the {$1500.00} purchase via XXXX. My bank told me that no purchase had been made at this time for this amount and/or via XXXX. While I was on the phone XXXX XXXX called me several times and did not answer as I was on the phone. After talking to my bank, I called XXXX and XXXX XXXX answered. I told him that what he was claiming about the XXXX purchase was a fraud. 

I am concerned about avoiding any charges, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (FL)

1 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MS)

Back in XXXX, I had a judgement filed against me on XX/XX/XXXX. I did not receive notice of this court date or where to appear. In regards of me not appearing to a court date that I had no knowledge of, a judgement was entered in the amount of {$1700.00} ( Cause No. XXXX XXXX by XXXX XXXX XXXX XXXX  on the behalf of Midland Funding XXXX LLC. This judgement was placed on my Business Credit of XXXX XXXX  as a Lien and on my Personal Credit Report as a judgment, Herein, this has been updated as of XX/XX/XXXX. 

I have tried to dispute this several times off of my Business Credit report. It was disputed off of my personal credit. 

However, I have recently researched that Midland Funding, LLC is not licensed in the State of Mississippi.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

Vehicle was total loss by insurance as a result of accident on XX/XX/2024. this is a comprehensive policy. Insurance paid Honda. Honda has not updated the account. I made the last required monthly payment on XXXX. Honda has continuously reported that payment was late for 30 days or more. All payments were made timely. 
I have spent numerous time on the phone with Honda and is always promised that they will fix the problem to no avail. 

Vehicle totaled on XX/XX/2024 My final monthly payment of {$580.00} made on XX/XX/2024
Consumer complaint received 2024-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

THE FOLLOWING INQUIRIES WERE UNAUTHORIZED : CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX COAF 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 

I have contacted each company and each one has refused to provided me with the information they received that gave them authorization to run my credit. I asked what identifying information did they receive from my that gave them authorization to do this. Each stated it was done online. I advised it was not me and to remove this and they all refused. Some stated I would need a police report.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (VA)

My State Refund Funds were loaded onto my American Express Serv card that was provided to my by XXXX XXXX XXXX XXXX. I only had a temporary card, so I called for a replacement card. As I am unable to pay bills and withdraw funds from the temporary card. I called on XX/XX/XXXX and was told that my Address needed to be updated and a card would be sent out. I called on XX/XX/XXXX and was told that a card was never sent and that they would send XXXX just be patient. I called again on XXXX and was told that it should be in the mail. Finally I called on XX/XX/XXXX and spoke to a Supervisor and was informed that he had to authorize the issue of my permanent card. He assured that it would be mailed to me in XXXX to XXXX business days. Its now XX/XX/XXXX and I still havent received my permanent card. They told me that I was unable to close my account because I still have funds and I cant get my funds because they wont send me a permanent card. I just want my funds to be released to me, by card or by check. I feel like they are holding my funds hostage.
Consumer complaint received 2022-11-02
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.