davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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. (MS)

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 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 2024-02-23
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)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX and XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX and XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2022-12-26
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)

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 XXXX # XXXX, Account name : XXXX XXXX FIN # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I ordered a cell phone from XXXX for {$990.00} + tax with my World Mastercard from Chase. 

I received the cell phone a few days later as promised from XXXX. 

Order number XXXX On XX/XX/XXXX, I saw an ad where XXXX lowered the price of the same cell phone by {$150.00}. 

On XX/XX/XXXX, I opened a claim with Chase Benefits asking for Price Protection for this event ( Page 21 of their Guide to Benefits ). The Chase Benefits representative has accepted the claim, confirmed my card had the stated benefits and told me it would be a few days and Chase Benefits would contact me. 

Contact with me was made as promised and they asked for another 5 days. 
This request for more time has repeated itself again, without any explanation of why they need this length of time to verify a straight forward claim. 

I have copies of the orignial price, new price, credit card statements and Guide to Benefits.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is SOL of 8-10 years ago. They had previously sued me apprently filed XX/XX/11 for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (SC)

US department of education XXXX. It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I got an email from Chime Financial that an account was opened in my name using an address I havent lived at for over a decade. I contacted them about this fraudulent account and they are closing it. However, I know XXXX XXXX  XXXX was opening fake accounts a few years ago and I wanted to make sure data was reported in case this is happening at Chime.
Consumer complaint received 2020-06-11
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: Choice Recovery, Inc. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX  XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, Choice Recovery Inc # XXXX , Choice Recovery Inc #  XXXX , Choice Recovery Inc # XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2020-01-03
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: American Credit Acceptance, LLC (AZ)

On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XX/XX/2019 saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX XXXX XXXX.Me my wife fell down got hurt.She fell XX/XX/2019 i XX/XX/2019 we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of XXXX refused to pay us any compensatation because we dont work for XXXX.That is XXXX law to keep working for same Company you get hurt at.XXXXt employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage MWR / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX and XXXX for XXXX XXXX but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XX/XX/2019 credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
Consumer complaint received 2020-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from XXXX  in XXXX XXXX XXXX  XXXX.Me my wife fell down got XXXXShe fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX  Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX  to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.Workmen Comp of XXXX  refused to pay us any compensatation because we dont work for XXXX.That is Stupid law to keep working for same Company you get hurt at.XXXX  employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX  and XXXX  for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26  % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
Consumer complaint received 2024-02-23
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

I have submitted two complaints about Chase and they are refusing to correct the erroneous information reported to the credit bureaus. Instead of correcting the erroneous information, they have now asked me to call the credit bureaus to " record my explanation '' for their erroneous report. Chase closed my credit card for no reason, did not process my payments, and added fake charges to my account ... then reported me to the credit bureau for late payments which would not have been late if they did their job. During this time, Chase reported late payment to the credit bureaus. In an attempt to resolve this matter, Chase agreed to remove the false late payment reported to the credit bureaus ( from XX/XX/2019 to XX/XX/2019 ), but they have since tried to make it my responsibility to correct their erroneous reports by directing me to the credit bureaus to cover up their bad business practices. These late payments supposedly happened during the time when my card was closed and Chase was reporting erroneous balances to the credit bureaus.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Debit Card Disputes I sold my XXXX with my information still on it as I was told it would be wiped but it wasnt. Long story short my debit card was charged over a period of 60 days XXXX Ethernet over 40 small transactions. I talked to XXXX and they advised they looked into it and would be happy to refund me but my bank needed to request the refund. So I called Bank of America on XX/XX/30. The claim was opened and closed within days. The reason is because I did business with XXXX in the last. No investigation at all. I have an XXXX so of course Ive did business in the past but these were not my transactions and XXXX pulled up the phone and location to see this. The claim was reopened I provided the conversation transcript from XXXX to look into it again in XXXX I called five times  between XXXX and XXXX and was told no one had even looked at the claim or information provided. I then filed a complaint with a manger who was rude. XXXX what happened the claim was closed with no explanation and not decided on my favor. Still I contacted XXXX and Bank of America still never contacted them as of this complaint.
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Wells fargo sold my house even after I tried to get it modified and filed XXXX the day before it sold. They were supposed to resend the sale and never did. And to tip it off sold for {$100000.00} less than it was worth.
Consumer complaint received 2019-12-25
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. (CA)

I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency Experian XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.
Consumer complaint received 2019-12-25
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: WELLS FARGO & COMPANY (NY)

I noticed someone use my information to open credit card on the begining of XXXX, some credit card company call me to verify if I open the card, I start a fraud alert on XX/XX/2019, on XXXX, I thought I put a alert, it should be ok, but yesterday, XX/XX/2019, I saw on my XXXX  account, there are two huge balance I didn't recognize, wells fargo bank ba and XXXX/XXXX  XXXX, these two credit card I didn't open, also XXXX/XXXX  XXXX is not my acount too, I contact XXXX/XXXX  XXXX  and told them it is fraud, but wells fargo bank ba no one answer the phone. please let XXXX  recover my credit score thanks
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MO)

I submitted the following claims to Regions Bank, XXXX. on a VISA Business Debit Card last fouXXXX ( 4 ) digits ending... XXXX ( " Card '' ) issued by Regions on business checking account held by XXXX XXXX, XXXX. Consumer submitted Two ( 2 ) claims for unauthorized charges/fraudulent transactions on the Card ( ending # ... XXXX ). 

On XX/XX/2022 Consumer submitted a Claim for Ninety ( 90 ) transactions totaling {$12000.00} that had posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Consumer submitted a Claim for six ( 6 ) transactions totaling {$870.00} that posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Regions provided credit for the smaller XX/XX/2022 Claim ( pursuant to Reg E - per Regions Bank Bank Statement citation ) but Regions refuses to refund the larger XX/XX/2022 Claim. The facts and circumstances of the XX/XX/2022 Claim and the XX/XX/2022 Claim are essentially identical except for the dates, amounts and locations involved. 

Consumer is a XXXX, XXXX to a XXXX and is unable XXXXo drive an automobile. He is unable XXXX XXXX to any of the locations where the unauthorized charges took place. A police report was filed and the investigation is on-going with the XXXX XXXX Sheriff OfficeXXXX Regions Bank documents in my possession evidence and specifically reference person of interest-Jacquline XXXX. VISA Business Debit Card Agreement provides for Zero Liability but Regions has not provided the " VISA Reference Number '' whereby they forward the Claim to VISA for review under their " Zero Liability Policy ''. Actively communicating with VISA in this regard. Requesting CFPB investigate this matter and that Regions Bank be required to refund the total amount of the XX/XX/2022 Claim to my bank account.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (MN)

Waypoint Resource Group , LLC # XXXX, a collection agency got my account that was paid in full to XXXX on XX/XX/17 by XXXX, an affiliate of XXXX XXXX XXXX XXXX that helps XXXX XXXX patients. My XXXX, XXXX XXXX, helped me apply for this grant onXX/XX/17 and I was awarded {$1500.00} on XX/XX/17. They paid this and my other bills directly to my creditors. I tried without success to tell this to this collection agency. I even told them to verify this with XXXX XXXX with XXXX at ( XXXX ) XXXX.
Consumer complaint received 2024-02-23
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. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2020-06-11
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: Experian Information Solutions Inc. (FL)

I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.
Consumer complaint received 2020-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I'm experiencing ongoing issues from Kia motor finance company. Since XX/XX/XXXX, I've been experiencing acts of dihonesty which include missing payments, having false information reported to the credit reporting agaency, and a phony payment extension. I have sent Kia motor finance and the credit reporting agency all paymetns I made from my bank account and only the credit reporting agaencies updated the correct information regarding my payment history. I've been consistingly back and forth with them to correct my payment information and they consisting harrass me by stating that I'm 3 months behind which is incorrect. In XXXX they offered to put me on a payment extension in which I was informed that this would include the next 3 months without payment but I would be charged a {$25.00} fee for the extension of 3 months. So, I was informed to sign the extension agreement that was emailed to me and I signed it on XX/XX/XXXX and called kia back to informed them it was signed and the representative stated it was fine. Later in XXXX I got a collection call and they stated they never received the extension agreement and I saw the signed agreement in my email verifying my signature. Also, I noticed for the 1st time that the extension was for the past 3 three months ( XXXX, XXXX, XX/XX/XXXX ) and realized I was provided about misleading information about this extension they infomed me about. I attempted to reach out to speak with the Manager and they refused to let me speak with any manager at all. I have been going around in circles with Kia Motor Finance since I had this car with lies and misleading information.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX/XXXX  XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX   XXXX  and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Consumer complaint received 2020-06-11
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: Receivables Performance Management, LLC (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : 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, Receivables Performance # XXXX.