davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX XXXX : {$390.00} ; XXXX XXXX Balance : {$11000.00} ; SXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

you resently resieved and validated a dispute you neither looked at or choose to believe.. 
report # XXXX on this despute i provided your company with a desposition from the XXXX XXXX court house XXXX XXXX # XXXX on the paper work it states that i was XXXX  for this case on XXXX XXXX.. public records will show i was XXXX  originally to 7 years on XXXX XXXX yet your record state that opened this line of credit on XX/XX/2016 and mae a payment on XXXX XXXX and XXXX of XXXX i mean that report can clearly see that your company is either stupid or commiting fraud. please provide how and when i made a payment from XXXX  and how i opened a credit card in XXXX??? 
not only that but if u would have took the time to check my credit report which is public information it states where my location was .. so please tell me where was mail being mailed too???? obviously your company is commiting fraud. please stop your fraudelent activity, i have provided u with necessary proof to show you that i obviously didnt open a credit card in XXXX.. so please remove this fake credit reports that are causing me hardship
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

An unauthorized transaction was made on my business checking account from XXXX XXXX on XX/XX/XXXX of {$1900.00}. I called Chase Bank to alert them this was not my transaction. They temporarily credited the transaction in order to investigate, then came back 6 weeks later and claimed that is was not fraudulent, and reversed the credit. 

We have gone back and forth with Chase on their reasoning and have had a difficult time getting any information at all on the actual transaction itself. We filed a police report which is attached. We finally received the information from XXXX XXXX via Chase on XX/XX/XXXX which states the transaction was done on a mobile cash app using my credit card number and the wire transfer or money order went to " XXXX XXXX '' in XXXX, Florida. Chase claims because the originator verified my address and my spouses email that it was not fraudulent. On the Report from XXXX XXXX it says " Zip code matches , street address not verified ''. The email address listed on the XXXX XXXX is not the email address on file for my husband. There is an IP address and a Device # for the transaction but both Chase and XXXX XXXX have washed their hands of this stating that it was not fraudulent. Since I know that it was and they will not longer assist in ways to pursue I am looking for help.
Consumer complaint received 2022-12-21
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021 XXXX of my pets had to have XXXX XXXXXXXX and I used my care credit and I was Charged XXXX. I used my card a couple more times at the same Vet with charges ranging in $ XXXX and I was given the a promotion for XXXX months. on the larger balance of XXXX I was given XXXX  months. I find that very unfair smaller charges longer time to pay and larger charges give least amount to pay so the customer can get all that interest charged. 

I spoke with care credit on several occasion and they directed me to go back to the Vet and have them change the promotion time, they tried but they do not have that option to go back and give me the XXXX  months so I call care credit back and now they tell me its to late to make any changes. I have had no help it is very sad especially with the hard times we are living it makes people not want to even pay. I have been going back and forth for month and now I was just charge all that interest. unfair.
Consumer complaint received 2023-01-13
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: SYNCHRONY FINANCIAL (IL)

I have an od BP card that was closed in XXXX andvyuou guys are reporting me delinquent for XX/XX/XXXX on my XXXX report How? Is this possible
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have asked for the permissible permission used by Experian and XXXX XXXX XXXX XXXX to access my credit report in XX/XX/2017. I have not received and they do not give me any information.
Consumer complaint received 2023-03-06
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. (FL)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following current and collection accounts listed on my XXXX, Trans Union and XXXX credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.
Consumer complaint received 2023-03-03
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. (PA)

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. 
Account name : XXXX of XXXX credit cards, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D&A Services, LLC (PA)

XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work
Consumer complaint received 2019-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Hello. I am XXXX XXXX. Answer to complaint XXXX. Sorry why you can't see any account actions. ( Just see a few small actions ). And you answer a scam story. I will complete a XXXX XXXX card and a XXXX card. I can see all my actions. And a Best Buy card I can't see any actions and can't check my account. That's why I don't use a Best Buy card. I am XXXX and have a lot of banking experience. And you're wrong with the public. Every citizen should look for and follow his account. It's just wrong. I have contacted you on the phone and you have no answer. XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXX XXXX XXXX , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2021 someone opened a fraudulent business account in my name. They created a DBA account and then went to Chase bank and got a credit card for the fake business. They charged around XXXX XXXX dollars. About 6 months later, my credit report dropped over XXXX points. After a few calls to Chase we figured out what had happened, I told them this was fraud and they reversed the charges and removed it from my credit report. About 3 months later, Chase went ahead and put the charges back onto my credit report. When I called them to clarify ; I was told that the account was opened in person and I was responsible. I contested the charges sent them proof I was working until XXXX that day, and was probably asleep when this happened. I sent them pictures of my ID and other information. I never heard back from Chase. When I called them again a month later, they said they investigated and I was responsible for the account. They have never disclaimed how they investigated or how they determined I was responsible. When asked if they have the ID from the person who opened the account they said they don't require an ID to open an account. I provided my ID, and my signature does not match that of the account that was opened. They just talk in circles and say I am responsible, never providing any proof. They told me where the DBA was opened, and I should contact them. I asked why didn't they do it, being a big financial corporation and they said it's not their job. They also told me that the account was being paid up until a few months ago. I asked why don't they go after the account that was paying the charges ; they said I would have to investigate that. They are a bank, can't they figure out who was paying for the charges. They have now sent me to collections, even though they have never once contacted me, or provided me with any writing of a default account. When I asked who they were sending statements to, they said they had no email address linked to the account. Consistently they have been rude, disrespectful, and refused to help. I am always the person contacting them, trying to solve this cause of fraud, and they just stonewall me, when it would be much easier for them to solve it.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX my bank notified me the Sams Club MasterCard withdrew {$3100.00} from my checking account. I never authorized the payment withdrawal for that amount. My bank rejected the withdrawal because it was not authorized by me. Again this happened for {$2800.00} in XXXX XXXX  Once again I called my bank I didnt authorize this payment and they refused to honor the withdrawal. As soon as my bank denied the withdrawal I called Synchrony Bank ( cc issuer ) and explained I never made the switch to auto pay the entire balance. I had at least 5 store credit cards issued by Synchrony Bank. When I received notification that all 5 of my Synchrony retail CC accounts had been closed because my bank wouldnt honor the large unauthorized withdrawals. I called customer service and asked what was going on the agent told me that it was because I didnt have enough funds to cover the withdrawal requests. ( FALSE ). I have documented evidence no NSF fees were charged to my account. Then the agent accused me of check kiting, that was a major insult since I had spent 25 years in banking. All 5 accounts Synchrony issued had no late fees, missed payments in 15 years. Several accounts had a XXXX balance. My credit score has been hit hard by all this false information reported to the 3 credit repositories. I looked up the XXXX report on Synchrony Bank and found XXXX XXXX XXXX XXXX similar complaints. Like mine, many complaints had issues with Synchrony Bank online software when it comes to posting payment errors. Accounts affected include : Sams Club MC Lowes CC Home CC 2 others
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (ID)

XXXX/Comenity misapplied my payment and refuses to credit my account. 
Payment mailed XX/XX/XXXX ( paper check ) Payment cleared my bank XX/XX/XXXX ( credit card company processed without returning the check to the bank ) When the XX/XX/XXXX statement appeared with the unpaid amount I contacted XXXX via phone ( call reference XXXX ). 
XX/XX/XXXX received letter from XXXX/Comenity that they received my claim and were researching. 
XX/XX/XXXX received letter from XXXX/Comenity they need more information XX/XX/XXXX I provided XXXX/Comenity a ) screen shot from my bank statement showing payment to them cleared XX/XX/XXXX b ) XXXX XXXX Trace ID for the transaction c ) XXXX XXXX Transaction code ( sent via their on line ) secured message system XX/XX/XXXX received acknowledgement from XXXX/Comenity of the submitted documents via their secured message system. 
XX/XX/XXXX received a letter from XXXX/Comenity closing my account as requested XX/XX/XXXX received letter from XXXX/Comenity stating they need additional information ( again ) XX/XX/XXXX I US mailed the same information previously sent XXXX via secure message along with a cover letter that I would be happy to have a conference call with my bank XX/XX/XXXX received letter from XXXX/Comenity stating they are unable to verify they received the funds. 
XX/XX/XXXX Used the XXXXComenity secured message center to complain of the on-going inability to determine where my payment was applied. Again I offered to conference call my bank to resolve. 
XXXX Sunday received a call attempting to collect the past due amount- explained the amount is in dispute. 
XX/XX/XXXX received a response from XXXX/Comenity via their secured message center stating the issue was resolved ( i.e. their final determination was they can't find my payment ) XX/XX/XXXX respond via the XXXXComenity secured message center that I was filing this complaint.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.
Consumer complaint received 2023-05-11
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. (MN)

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

The phone number XXXX called me and gave me an application number and asked me to call them back. When I called and provided the application number they started asking for more personal information so I said no and hung up. Then I called the XXXX number for Capital one and asked if I had an application in process and they said no.
Consumer complaint received 2023-03-01
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. (CA)

On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted XXXX, XXXX, Equifax to freeze my accounts. In the morning I had XXXX more credit checks from XXXX XXXX and XXXX XXXX  which I did not recognize. I called XXXX  again and this fraudulent person had my account freeze reversed