davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX Ive been working with Chase Bank Directly to stop fraud since XX/XX/XXXX. Since then I have been involved in the following data breaches but not limited to : XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have spoken with my credit companies in XX/XX/XXXX and again XX/XX/XXXX. And with my primary bank in person on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/XXXX In Arizona ; and on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX In California. 

I have had a number of false XXXX charges, fraudulent debit card use, unauthorized credit card use, and difficultly getting my accurate and authentic banking statements, bills, and reports. My statements are not to be paperless but continue to be made paperless and online statements are misrepresented and inaccurate report This Statement is a Facsimile-Not an Original. Also my credit cards are arriving without any notification to authorize receipt and one Chase Freedom credit card arrives are ready to use. 

While the California branches have I continue to experience unauthorized use and fraudulent charges, despite numerous attempts to meet with Chase Bank and prevent the theft and loss it continues to happen.
Consumer complaint received 2023-08-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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
Consumer complaint received 2022-09-23
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. (GA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Hello, Submitting a claim against Commenity bank for threats, repetitive calling and harassment. 

This company to date has called me more than 7 times in one day, and have called back to back. I'm well aware of the debt and tried to fix this with them a month ago when the employee who was trying to help me left me on hold for more than an hour, i have XXXX and don't have the energy or time to wait for someone to attempt to help me payoff a debt so i hung up. Since this date, i have had calls nonstop and its harassing me to the point i silence my phone XXXX. The calls start around XXXX XXXX, and have ended at XXXXXXXX XXXX XXXX XXXX 

XXXX - XX/XX/2022 Commenity bank called from XXXX at XXXX, then XXXX, XXXX, XXXX. 
XX/XX/2022 - XXXX, XXXX, XXXX, the XXXX This goes on like this for days since XXXX. 

AS of today XX/XX/2022 - i answered the phone at XXXX from ( XXXX ) XXXX to try and clear ip the debt, however, the lady on the phone, was rude and aggressive and told me i will need a lawyer if i don't clear this debt today XXXX {$290.00}. I attempted to explain my father XXXX XXXX XXXX XXXX and that i too was XXXX  and she cut me off, so i saw we were getting nowhere with her disgusting attitude and asked her to please call me back in roughly an hour/half at XXXXXXXX XXXX and she said, no I want and you need to clear this right now ect. i was unnerved by how nasty someone could be, why on earth would i continue the conversation if someone is threatening me over a lawyer and outright rude. I am aware of the debt and i am not going to tolerate someone harassing me while i am sick, and my father is in XXXX. People fall on hard times when they are ill and a little empathy could have helped this company go a long way. 

I have screenshots of the numerous calls in one hour, and recorded the rude, nasty lady over the phone.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

Credit Management is reporting an collection account for the amount of {$160.00} I am not aware of this account and it does not belong to me. 

Date open XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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. (GA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I got a credit report and saw where Midland Credit Collections has sent reports to the three credit bureaus especially XXXX sometimes twice daily for at least 12 months or so. I just happened to have fraud on a company trying to secure {$18000.00} for computers. It was rejected and I received a letter informing me about this. This prompted me to ask for free credit reports. On the reports, I saw where my score was lowered to poor because Midland Credit Collections would send in inquiries twice a day for at least maybe 2 yrs more or less. I only noticed it when there was fraud on my account. Also, my info is on the dark web, whatever that is and my info has been exposed on several data breaches. Being a senior, I didnt know what was going on. But I do know my credit score has been impacted.
Consumer complaint received 2022-12-09
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NJ)

My father XXXX XXXX and I opened an account in XX/XX/XXXX to get flooring done in our XXXX XXXX This was a joint account that I co signed with my Father. The billing docs were sent to my father 's house in his name only, not mine and not my address. The payments were set up online for automatic pay so the account was never in default. Unfortunately, my father passed away in XX/XX/XXXX. At this point my mother would be taking on all of my fathers accounts and such and was severely grieving the loss of her husband of 40 years. There was severe documented XXXX in which she continues to suffer that caused my mom to not open mail that was my dad 's when she knew all his cards were set up autopay. Come to find out, we only had 0 % interest on our purchase for 1 year. Once XX/XX/XXXX came, the interest hit our account from a {$26000.00} purchase which acrued over {$8000.00} in interest. The mail was in my fathers name and my mom did not see or read the interest free period was going to expire. Me being the co signer was not getting any bills and completely forgot about the bill as it was on autopay and never in default. Last month I opened a second Wellsfargo credit card and saw the balance on the flooring from the other account and saw it was barely moved when we have been making payments for over a year. I looked into it further and saw the interest added to the account was over {$8000.00} in interest. We called and tried to ask Wellsfargo for help but they told us there was nothing they could do. We transferred the balance to another account to not acrue such high interest rates but there was a very big lack of communication between Wellsfargo and myself when banks were notified of my father 's passing but I never received any correspondence from them to remind me of the ending interest free period. Is there any help?
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (IL)

Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries
Consumer complaint received 2023-07-26
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (NC)

I sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the Equifax data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B.ofA. sent out by mail a promotional offer that included the right to borrow money for a number of months at 0 % interest if the card holder paid an up front fee of 4 % of the amount borrowed ( or advanced ). During the promotional period of the loan the card holder could use the card to make purchasers within the remaining credit limits however they would be billed for the amounts drawn or used on the card at all the standard terms ( i.e. interest, late penalties, minimum payment amounts required etc. ) Even though the I never used my credit card for anything once I obtained a XXXX $ promotional advance, never-the-less I began to get billed monthly for a " minimum payments due '' and when not paid, I was assessed a late penalty and had my credit limit reduced for not making these " minimum payments '' due when in fact no payment on the {$3000.00} dollar promotional balance was due for several months. This is a false, misleading and unfair business practice. The promotion is designed to appear that the card holder/borrower has the use of the entire amount advanced/borrowed ( in this case {$3000.00} ) up to the time of the promotion is over, and this is without any interest, or payment of anything due and hence there could not and should not be any " minimum payment due '' monthly during this entire promotional period.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Settled an account with XXXXXXXX XXXX XXXX. Disputed findings with Experian and Experian states their research and feedback from XXXX leaves account information unchanged. I called XXXX and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

Experian Dispute # XXXX Closed XX/XX/2022 I provided letters from XXXX showing account balance is XXXX and account is settled. 
Experian 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

XXXX Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports Experian, XXXX XXXX and XXXX. 

Ive disputed it several times.
Consumer complaint received 2022-09-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-09-23
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX # 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 an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-04
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)

In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, Equifax and XXXX in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. I send the police reports 7 times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX  Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (CA)

All old addresses and wrong names and inquiries need to be removed from all three credit agencies. The client 's credit letter must be uploaded when the complaint is made to show that the client 's dispute letter was sent out and that it is over 30 days. It's still reporting on the client 's credit report and needs to be removed immediately for inaccurate information. 



This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, There are accounts that are reporting on my credit profile as open accounts on some credit agencies and in collections, on others, another wrong last reporting date due to inaccurate information across different platforms has caused me hard issues. 


1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX