davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 
In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my XXXX XXXX XXXX card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 
I called XXXX XXXX XXXX and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to XXXX XXXX XXXX that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also for security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 
So I checked another cards that I have. My Chase VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 
I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 
Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 
Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute a XXXX debt XXXX insurance placed on my credit report for months. I Contacted the insurance company to try and obtain information and some kind of documentation showing me how this account was opened. I have had the same insurance agent with XXXX XXXX  since XXXX. I have never owned a XXXX The other name listed isn't me. I have submitted proof of my insurance throughout that time but they tell me the info is valid because they have my social and birthdate. They admit policy was set up completely online with no face to face meeting or signatures completed. They referred me to the creditor who basically says the same thing. Denies having any ability to provide reasonable proof of my ownership to this account and also has recieved my proof of other insurance as well as a police report made within the time frame of unauthorized opening of debit card accounts in my name. They refer me back to XXXX  and telling me I should just pay the money for this account that I'm begging them to understand is not mine and was opened fraudulently. Throughout the whole ordeal I'm filing multiple disputes that are being declined. Then they agreed removed the report my credit score increased however days later they again put the report on my account now using the current date of XX/XX/XXXX meaning I have to wait 2 more years for it to be removed from my credit file. Now it looks like the debt was from today and they have blocked me from being able to do any further disputes. Unfair.
Consumer complaint received 2017-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CO)

From  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I received over  28  calls from  XXXX   XXXX  bank. This is not the first time I have received repeated harassing phone calls from them. This is the third time I have spoken with them warning them this is in violation of the FDCPA and yet they continue this illegal practice.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE UPDATE MY PERSONAL INFORMATION WITH THE BELOW : NAME SHOULD ONLY READ AS FOLLOWS : XXXX XXXX XXXX ONLY ADDRESS THAT SHOULD BE ON MY FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX, FL XXXX ONLY EMPLOYER THAT SHOULD BE ON FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-04-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My property was sold. It was agreed with Bank of America that I would not have derogatory information reported to credit reporting agencies due to the XXXX balance of the transaction. 
That appears to be an inaccurate promise from Bank of America. XXXX and XXXX has derogatory information from XXXX and XXXX on my credit file.
Consumer complaint received 2015-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ARC Services (NC)

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
Consumer complaint received 2024-03-28
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. (GA)

I did not consent to, authorize nor benefit from any of the following inquiries/account. Block and remove them.

15 U.S.C 1681 Wrongfully added/Incorrect spelling personal information : 1 name. 1address. 1number 1dob XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Charge off ; XXXX XXXX, XXXX XXXX XXXX  XXXX, US Dept of Education : XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry ; XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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. (NY)

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 2021-06-17
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: AFNI INC. (CA)

AFNI is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. AFNI is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have found wrong information reported on my report : "   XXXX   XXXX   XXXX   - -  XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally filing a complaint against XXXX, Experian, XXXX, and XXXX XXXX regarding the inaccurate reporting of my credit information under the CARES Act. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The purpose of this complaint is to seek your assistance in addressing the discrepancies in credit reporting that have negatively impacted my financial standing. According to the CARES Act, enacted to provide relief to consumers during the COVID-19 pandemic, lenders are required to report accounts as current under certain circumstances, particularly when consumers are facing financial hardships such as unemployment. I have encountered a situation where this provision was not appropriately applied by the credit bureaus and XXXX XXXX, and it has adversely affected my credit report.
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Enhanced Acquisitions, LLC (CA)

I received a collection call from the XXXX XXXX regarding a payday loan dating back in XXXX. I have already attended court procedures ( XXXX meeting ) for my Chapter XXXX Bankruptcy, on XXXX XXXX XXXX and currently waiting on discharge. The collection company has my attorney 's name and contact number. My attorney called them on XXXX/XXXX/XXXX at XXXX and this company would not provide any information regarding who they were representing.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and 2 ) XXXX XXXX account number XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX account number XXXX 5 ) XXXX account number XXXX 6 ) XXXX account XXXX and XXXX  XXXX account number XXXX and to inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-02-28
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I just recently looked at my Experian credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXXXXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 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 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

Why I am filing a complaint against  Wells Fargo.    I applied for  one of  their  XXXX   XXXX  credit cards because It offered {$150.00} reward if I applied, got accepted and made {$1000.00} in purchases during the first 3 months. I made {$1000.00} in purchases during the first month. I called  Wells Fargo  about getting my rebate and they gave me the run around. Then they tried to tell me the promo was for only {$100.00}. I have made a dozen calls and complained. I have also complained with their  executive appeals office. However, during my first 3 months with this credit card, Wells Fargo increase their offer to {$200.00} ( with the same requirements ). I am filing a complaint because Fargo  has not been ethical and honest with me at all and have never responded to my dozen or so calls to fix their error.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XXXX I sent the first letter to Experian, XXXX and XXXX requesting inquiring why they are continually violating my FCRA and FDCPA rights by reporting inaccurate information on an account that is showing on my credit report as sold or transferred. On XXXX I sent a follow up letter requesting all documentation regarding this account : how this account was applied to my credit report, all documentation used to verify this account belongs to me, all documentation bearing my signature in regards to this account. As of today XXXX I have not received any response, no documentation. This is a clear violation of my FCRA rights to have accurate information reported XXXX percent of the time.
Consumer complaint received 2023-01-03
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)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2017-04-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC (TN)

I took out a flex loan with Advance Financial. I took out a {$1200.00} four months ago and I still owe almost the same amount. I have paid extra and still ca n't get the loan reduced. I have tried to work out a reasonable payment but they are asking for extra payments instead. Right now, my annual interest rate is 270 %, and all I was told was take out bank loan.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-01-03
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX, Experian, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.
Consumer complaint received 2023-01-03
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)

In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America froze my account XX/XX/2023, and put it under review for no cause and stated awaiting wire confirmation from the other Bank for my incoming wire transfer. Bank of America states my bank account is in Risk Closure and canceled all my bill pay and I am delinquent on my bills now because Bank of America will not release my money.