davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

The company I owned opened a chase credit card ending with XXXX, it says if I spend XXXX for the first 3 month, I can receive XXXX bonus points, but after I reached the XXXX, they closed the card, and said I will receive XXXX. 

And in XXXX, I opened a Marriot Chase credit card, it says if I spend XXXX for the first 3 months, I will have XXXX points on Marriot, right after I reached the goal, I received a letter saying they will close it on XX/XX/12, and I will not receive the points. 

If I am not qualified for chase credit card, they can just not approve me opening a new card, but they approve it, and just close the cards, after I meet the bonus requirements, and not offering me the bonus, this is bullying.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Credit Card customer service refused to correct a missed payment error reported to the Credit Bureau, even though clearly I have never gone more than 30 days making a payment. 

Per Capital One website consumer information regarding late payments, " a late payment shouldnt affect your credit score until its gone unpaid for at least 30 days, making your minimum payment before it goes 30 days past due can help prevent further problems. '' Capital One Card customer service would not acknowledge the due date of 16th on the billing statement as the determination for 30 day late reporting, rather they said the billing cycle was the basis and refused to correct the error of missed payment reported to the credit bureau. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Bureau, Inc. (GA)

On XX/XX/2020, I had an appointment for a crown replacement that had cracked and was giving me pain. XXXX XXXX XXXX barely introduced himself before he jabbed me with a needle with no pre-numbing swab. He drilled out what he said was " decay under the crown '' and put in a new crown made in the office. No one adjusted the new crown before they sent me on my way to make an appointment to have it adjusted the following week. THAT IS NOT NORMAL PROTOCOL!!! 

Everything was very rushed and my anxiety was through the roof because it cost me {$1500.00} on the spot. I was offered no options for payments ( even though his site says they use XXXX XXXX XXXX ) except to pay it all at once right then and there. No estimate, no pre-approval with insurance, no nothing beforehand! 

After about XXXX hours of the visit, I had TREMENDOUS pain with this new crown... this was NOT my first replacement crown so I knew something was very wrong. I paid out of pocket for XXXX and XXXX dentists ' opinions and was shown the x-rays with decay XXXX didn't fully remove before putting on the new crown. As a result of XXXX 's rushed/shoddy work, I was told by those XXXX dentists ( XXXX opinions I paid for out of pocket ) that the tooth had to be extracted. Having it pulled was traumatic and cost me {$560.00} out of pocket and now I have no molar/crown at all! The only resolution I have is to replace the tooth. I received an estimate from a reputable dentist who said it would be approximately $ XXXX to replace this tooth!! 

So I contacted my bank ( XXXX ) to dispute the XXXX charge and based on my physical evidence and XXXX second opinions in writing and x-ray photos, they rescinded the charge. Thats great, except I have no molar/tooth there FOREVER and paid over {$560.00} for the tooth extraction, and an additional {$680.00} for second and third opinions/exams and x-rays. 

Then A YEAR LATER, this " zoology-degreed dentist '' placed the amount ( but made the amount {$1400.00} to keep me from utilizing small claims court ) into collections on ALL THREE of my credit reports WITHOUT A WARNING IN ANY FORM OF COMMUNICATION. I have been fighting with all three credit companies ever since.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The following companies have violated my privacy and consent and there is no law that states any transaction needs to be reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like all inquires and all negative reporting be removed off my credit report from all consumers who falls under the release of my privacy and consent laws. i did not authorize any if these companies to negatively impact my credit credit rdport.
Consumer complaint received 2023-05-19
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. (NV)

Purchased XXXX XXXX XXXX XXXX XXXX  from XXXX, XXXX CA XXXX XXXX. Purchase financed through XXXX XXXX, XXXX. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX XXXX sold loan back to XXXX. I never missed a payment, or been late. XXXX has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with Experion and twice with XXXX XXXX. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to XXXX false reporting.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Today, I logged into my Capital One Account to pay my XXXX credit cards. Upon logging in, I received a notice both my accounts were restricted. I called into Capital One to inquire into this, but was not given any information for the cause. Just told I would need to send in XXXX sets of very sensitive information. Including my ID, Social Security Card, and unredacted XXXX party bank statement, showing the full account number. 

This is highly unusual, and represents a major security risk. While, I have no problem verifying my identity, and no problem providing my drivers license, and verifying my identity through more secure methods, which do not represent such a security risk, I am not willing to provide Capital One with my full bank statements and enough data to allow anyone who might intercept or view such documents with so much sensitive information putting my other accounts in danger, or taking the risk of someone using this data to open accounts w/o my knowledge or approval. 

I've never had a bank request this much information, usually there is a way to verify via txt message, answering security questions, or other methods that do not fully compromise my identity, giving the bank unrestricted access. 

Especially not when I haven't even received written notice, any explanations, or documentation of any kind regarding this unknown issue.
Consumer complaint received 2023-04-17
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
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)

There has been a mistake in the reporting, and I request an investigation to rectify this error. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Consumer complaint received 2023-05-19
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. (MA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am requesting them XXXX to be reomved I never lived at the above addresses.
Consumer complaint received 2023-01-27
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'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 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 2021-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

I ask for a validation on 3 medical collections I received a response back for all three accounts & did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It has been over 7 months the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC (GA)

I have disputed Omega RMS countless amount of times since 2020. I have requested all communication be dont through mail and proof of the original contract, original creditors info, wet signature payment history and proof of ownership send to me showing I authorize this with my signature or pay me {$1000.00} per violation. They have not provided any of this information and continue to call and threat me about making a payment to them.
Consumer complaint received 2023-05-23
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

EQUIFAX Report # XXXX XXXX XXXX is listing A Account that is DELINQUENT and in Collection requesting the below listed account be deleted immediately! And removed from my credit report. 
Account ending in XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-02-29
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. (MS)

Experian responded to my complaint pretending not know what I complained about to the CFPB, but there is only one item on my credit report that I am disputing. My complaint is that I disputed this same false information with Experian amost two years ago, but Experian has put it back on my credit report again. This is double jeopardy and illegal. So here is the information that they already have that they claim that they do not know. Account name : XXXX XXXX XXXX XXXX amount : {$950.00}. Original creditor : XXXX XXXX. Report Number : XXXX. Date Generated : XX/XX/2024. I am asking CFPB to send these facts to Experian so they can once again take this account off my credit report.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as XXXX and XXXX carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like XXXX and XXXX are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor XXXX and XXXX have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option.

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law.

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. XXXX and XXXX have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services
Consumer complaint received 2024-02-29
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XX/XX/XXXXXX/XX/XXXX