davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

Please remove all negative accounts and the bankruptcies off of your report.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (MI)

I had a debit prepaid card with Netspend XXXX my work check loaded to this account. I had over XXXX in the account I went to use my debit card in XXXX XXXX it said declined I call because I was locked out of my phone app to view my account I was told I need to send my drivers license and social security card to netspend by email to have my account unlocked within 4 hours I did not send anything I thin talked to their fraud dept and found out XXXX was transferred to a person I do not know they told me they would reset everything and send me a new card as well as unlock my app to view my account when I tried to do this after it was supposedly set in did not work. I called back and they said I was a victim of identity theft and they were closing my account and would send me a live check to my address in 7-10 business days. they said they would dispute the XXXX and send me my account summary for XX/XX/2019 which I did receive and saw other fraud charges for out of state services and a cell phone. they never sent my remaining balance of XXXX as said they would in 7-10 business days. I called XXXX to get an update on the XXXX unauthorized transfer and Netspend said it was considered not fraud because the person who called in pretending to be me knew my security question answer. they said no refund would be issues. They would not let me speak to anyone further.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XXXX XXXX 2022 I was given an offer while paying my Citi Bank credit Card. The offer was as follows : Enroll in a high yield savings account and receive a bonus offer up to {$450.00}. 

I opened the account and funded it immediately with {$50000.00}. I was to maintain that balance for 60 days and whatever the balance was on the XXXX day and maintained 60 days after the XXXX day would determine the bonus After an additional 30 days, I would receive the bonus. 

I fulfilled all these requirements and have not recived the funds. 
I have opened a case ( # XXXX. 
the case was opened on XX/XX/XXXX. I have called repeatedly and told the case is ongoing by one person and closed by others. 

The bonus offer code is XXXX XXXX 
I have a confirmation email outlining the the requirements and I have fulfilled them.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased the Vehicle in XX/XX/2020. I contacted the bank about on the 3rd Month of the Loan I had to be out of Work for a month due to Covid and asked them for help till I go back to work the following Month. Capital one Customer Service informed me that because my Loan was so recent they could not help me unless I had 6 months worth of payments. I literally had to reduce groceries and not pay certain bills in order for me to make those 6 months ' worth of payments. I contacted them again once I made the 6th payment and they stated that after it posted to my account I can request to have an extension behind the loan due to me having to play catch up and haven't been able to be on time. Capital one now states they can not help me with the extension but says they can give me only a date and pay partial payments till I catch up meanwhile I have late fees accumulated and reports to the credit bureau of me being late.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2023-01-09
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. (AZ)

Experian refused to remove a collection from my account after sending countless requests to remove debt not own. Also, collection company has responded with a forged document entitled " Patient Registration & Acknowledgement " form containing my forged signature. Experian also does not have Policies in place to police debt validation responses from the collection company. 

I am attaching a forged document received from the collection company, along with a copy of the " Identity/Forgery Theft Report, filed with the Federal Trade Commission , as well as a Police report that has also been filed. Report # XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-10-02
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. (PA)

In reference to a previously filed complaint Equifax has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX Equifax and XXXX are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Consumer complaint received 2022-10-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I sent a letter to the court reflecting on my credit reports to verify if they report to the credit bureaus. They responded and said no they do not report to any of the three bureaus. I sent the letter the court sent me to two of my credit bureaus and they denied my request to remove the information.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

on or about XX/XX/XXXX, i got a call from capital one credit card .... and they said this was record .... i sent an app for a credit card .... i told them no i did not instered in it ok we will take it off ur credit score hard inquiry on or about XX/XX/XXXX. In XXXX i got a call from them again ... .. i said not again .... i never apply as i said before ... and they said this was record from their phone ok we will take off ur credit score and put a fraud alert on it ... as of XX/XX/XXXX it's not been taken off
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I have a Wells Fargo account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this. 

I am citing that Wells Fargo is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations. 

I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

A painting contractor I hired offered me a promotional deal in which I could get financing for 18 months at no interest, as long as I made regular payments. This arrangement was made through Synchrony Bank ( A company that was unfamiliar to me. ) My understanding was that my last payment was due XX/XX/2023. I made payments regularly. However, I received only a couple of statements of my account and no warning that the actual payoff date was XX/XX/2023. I did receive a letter from Synchrony in early XXXX stating they had a problem sending statements to my email account and that they were going to mail me statements instead. No statements have ever been received. If something was wrong with my email, they also had my physical address and my phone number. 
I made a payment of {$10000.00} in XXXX. and on XX/XX/2023 I called Synchrony to make a phone payment and learned that my account balance had jumped by over {$14000.00}. I found that I had been charged the total interest for the total duration of the account on XX/XX/2023. 
I paid off the entire balance in a direct transfer from my credit union, but the $ XXXX interest payment was paid under vigorous protest. 
Synchrony Bank, which has some sort or relationship with XXXX, conducts its business from a number of offices ( I do not mean bank branches ) throughout the country. I was dealing with its office in Florida. Their system is almost completely automated. One has to wander around on their website even to find a phone number. The number is answered by a robot. It states upfront that to talk to a human costs {$10.00}. 
Thus instead of spending hours on the phone talking pointlessly to robots, or spending {$10.00} each on a number of fruitless calls, I am skipping that and complaining to you directly. 
I believe that $ XXXX interest charge was unfair and exorbitant because of the lack of statements advising me of the status of my account. For this kind of an offer, I think I should have been sent regular statements. The statements should clearly indicate the payoff date and balance for the special offer.
Consumer complaint received 2019-12-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OK)

On about XX/XX/2019, after living abroad for 9 years, I returned to the US to find an errant collection account from CAINE & WEINER on my XXXX and XXXX  credit reports. After providing an Affidavit of Dispute to Caine & Weiner on XX/XX/2019 indicating that I do not owe money to the original creditor XXXX XXXX, they have failed to respond in any manner. 

My Affidavit of Dispute demanded that they validate the debt by delivery of a written contract bearing my signature among other methods. I also demanded they cease collection activities and remove their erroneous and damaging negative reporting to the collection agencies which is causing me financial harm. 

I understand that Cain & Wiener has violated 15 U.S.C. 1681 and 15 U.S.C. 1692 by failing to respond, failure to cease collection activities among other violations.
Consumer complaint received 2019-12-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc. (WI)

I received a letter on XX/XX/XXXX informing me that I had an unresolved balance, there was no amount provided, but I should make a payment. I have never heard of this company, let alone done any business with them, or any lender of this nature. A phone call to the number provided, yielded no further information without providing the last 4 digits of my SS number. I declined and asked for them to provide the balance information in writing. They declined.
Consumer complaint received 2023-01-20
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)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
Consumer complaint received 2023-02-10
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. (IN)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ Dates of fraudulent transaction XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ] Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.