davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Good afternoon, I wanted to write to you because in truth what is happening to me seems super unfair. A year ago, my monthly payments were too high and interest too. I called Chase Bank to help me. they told me that my only option was to close the account so that the minimum payment was lower. 
I repeated myself multiple times to the representative and this person confirmed to me that the {$90.00} will be deducted from debt with no extra fees. I closed my account that day. I have been paying my {$90.00} dollars every month on the XXXX for months now and when I can pay a little bit more I usually do. 
I started to notice how my debt was not changing much and I decided to compare all my statements. To my surprise I was been charged a 12 % interest. I called chase and talked to 5 different departments and nobody was able to assist me. I was provided with wrong information and the representative didnt explained anything. I realize now that I should have kept credit card open and try to pay it off. This affected my credit and how am I supposed to trust Chase again? 
Chase doesnt even want to knowledge me or even try to help me. I asked for the recording of the convention via phone to be provided to me and nothing has been done. There is a lack of transparency and there was not guidance. I want to pay off my debt, but they are making it impossible for me with these fees and I honestly just dont even want to deal with them. This is unfair and more when I just want thats all.
Consumer complaint received 2022-12-17
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: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal put in my account {$500.00} that was a dispute in XX/XX/2022 and then on XX/XX/2022 then decided to denial the fraud credit and put it on my account without any notice
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX has been reporting a auto loan on my transunion credit report this acount was charge off in 2018 .they are still reported this acount like a miss payment. this not fair. by the fair credit act .15usc or 1681. I have ask for documents that i have sing. no repond. please can u help me resolve this problem thank you
Consumer complaint received 2022-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Due to my profession, now retired XXXX XXXX I have been monitoring my credit reports. This was mainly due to security server breach in XXXX XXXX and XXXX exposing my personal information in XXXX of XXXX that continues to date. Ive had to fight constantly with experian over incorrect information with either credit reporting or wrong information. There is now an active military alert on all three credit reporting agencies. On experian, I noticed a soft inquiry, where it just reads requested from court on XXXX occasions, XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. I have written to experian once, emailed there customer service once and attempted several time, over ten times to call them on different phone numbers and dates for an explanation to this soft inquiry, as to who this is and information to this entity asking for soft inquiry information from experian. Experian has not answered me other then an email, telling me to call there customer service # they provide but no one answers the phone. Ive been on hold every time I call, sometimes for over an hour with no response, only to be disconnected. I want an answer to this court listing on my experian credit report on the dates provided above, the contact information from this entity, location and any related information so I can contact them as to there reasoning to run a soft inquiry on my experian credit report. As working in law enforcement, and knowing people abuse our systems, I want an answer and information from this court listed as asking for a soft inquiry on my experian credit report. FYI. This entity is not listed on my XXXX XXXX or XXXX credit report, only experian. I have reached out to fellow active government employees who have no information to such but would know. The idea that this soft inquiry on experian only and not XXXX XXXX or XXXX is alarming to me and I would like an answer from experian with information to this entity asking for the soft inquiry on dates I provided
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

This letter is regarding account # XXXX, which you claim I owe {$150.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XXXX and Equifax have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (IL)

I have reached out to XXXX XXXX XXXXXXXX, XXXX, and Early Warning to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX XXXXXXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.
Consumer complaint received 2024-02-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : EXPERIAN XXXX CRED Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-06-01
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 XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (AK)

Upon inspection of my credit report, I found charges adding up to {$600.00} abouts. XXXX XXXX Idaho, aka TransWorld Systems, is also reporting that I owe them. Problem with that is I have tried reaching out for them to fix their mistake as my service kept getting cut off. They say it's withing guidelines of me oweing them. XXXX is who should be taking care of that not me. I had XXXX service but stopped when was security breeches on my account four times at least.
Consumer complaint received 2020-02-14
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. (MD)

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Consumer complaint received 2023-02-21
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. (OK)

XXXX Transunion and XXXX are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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 XXXX XXXX  Account number XXXX and XXXX  XXXX Bankruptcy reference number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair credit Reporting act XXXX XXXX Account number XXXX and XXXX XXXX XXXX reference number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.
Consumer complaint received 2022-06-01
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  account number 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 2020-02-14
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. (GA)

I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from my credit.
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call today from phone number XXXX stating that I am in trouble and that I will be arrested soon at my job or at my home and that I needed to call a phone number and give a case number to find out the details of why I was going to be arrested. The telephone number that they gave me was XXXX with the case number of XXXX. Soon after this I received a phone call from my mother stating that they called her and stated that I was going to be arrested soon or sued in court and that I needed to call the same number back. I called and found out that it was Ace Cash Express calling because of a loan I took in 2018. The woman on the phone stated that although my original total debt was XXXX, I now owe more than {$1400.00}. She said that they were coming to my job to arrest me today and that I am being sued for the amount of {$1400.00}. After I told her that what they were doing was against the law she told me that she could do it because of my original loan agreement and that if I didn't pay it then I will be in jail soon and then she hung up on me.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX, I was in contact with someone selling us a puppy for {$650.00} dollars. I paid them through XXXX, then they stopped answering my texts altogether. They didn't answer any of my questions and didn't send any of the requested pictures and videos of the puppy. I immediately asked them for a refund, still no response. And, of course, I never received the puppy. I called my bank ( Capital One ) immediately, and they said they would do everything they could to get my money back. A few days later, they refused my claim and said over the phone, and I quote, " I'm going to be honest with you. I'm sorry you were scammed, but you knew what you were doing when you sent that money. '' That made me a little frustrated because it wasn't very friendly and also made me feel a bit stupid. I then told the agent that I filed a police report, and she told me to send an email to their disputes department explaining that I had filed a police report. It has been a couple weeks, and I still have not received a response from the bank.
Consumer complaint received 2022-06-01
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 following creditors have violated my rights : XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of Ed Dept of Ed XXXX XXXX XXXX never lived here ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Name : XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of Ed Dept of Ed XXXX XXXX XXXX never lived here ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Incorrect Name : XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 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 information is inaccurate
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 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 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My XXXX XXXXXXXX bankruptcy should be removed according to federal law from all credit reporting agencies XXXX XXXX XXXX equifax, and XXXX. Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this XXXX XXXX XXXX equifax and XXXX. I would like them removed or i will take legal action.