davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (FL)

I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. Experian keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (GA)

I recently purchased furniture from a local furniture store ( XXXX XXXX XXXX ) for a purchase price of {$2400.00} not including tax. They said I could do a lease option purchase with Acima with no interest and a fee of {$50.00} as long as I paid it off in 90 days. I decided to go this route. 

My total purchase amount should be {$2400.00} plus {$50.00} ( acima fee ) & taxes ( {$220.00} acima indicated ) for a total of {$2700.00} for the couch if paid off in 90 days or less. Acima has since sent me paper work that raised that amount to {$3200.00}. Also the initial price of the couch was wrong. 

My physical paperwork from XXXX 's says I owe {$2400.00} plus taxes to acima and that is it. It doesn't say anything about extra fees. This is false advertisement.
Consumer complaint received 2022-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an email on XXXX XX/XX/2022 from Bank of America that I submitted a credit card application on XXXX XX/XX/2022 for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with an application reference number. I did not submit this application and have no accounts with this bank. I attempted to call them to submit a fraud claim, find the details of the application and cancel the applications but was told their office was closed and couldn't help me. I spoke with their generic help line, their manger in the credit department and their fraud specialist. None were able to provide me the details of the application nor cancel the application. They even asked for personal information such as my social security number, which stood out to me since I do not have any accounts with this bank nor did i submit this application.
Consumer complaint received 2022-11-11
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Biltmore Asset Management LLC (FL)

I received two phone calls from family members on XX/XX/2019 around XXXX EST to tell me that a " XXXX '' from " Biltmore Asset Management '' had contacted them about me. I have no knowledge of this person or company and if I do have a debt with them, they need to be contacting me and not family members. That is harassment.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I never opened this card, it was fraud, along with another XXXX. This is the only card I have contacted numerous times I called them and they have had excuses but it has never been deleted as promised. In XXXX I believe I spoke to XXXX, he took the initial report and said it'd be fixed right away. Nothing was fixed, so I filed with XXXX, twice and they still didn't fix it. I called back again in XXXX and spoke to a XXXX again in the fraud department, who stated that it had been marked wrong and that he would fix it and it would be deleted, I also spoke with a supervisor named XXXX who also promised it was corrected. Today I got a call from them first time since XXXX, to tell me I was behind in payments, I told her the story again and they switched me over again to the fraud department, who NEVER answers when you call them, I was on hold for over XXXX minutes and no answer. I have been fighting them to delete this for well over 9 months now and they haven't fixed it still!! It is still on my credit report and I never opened this card. 

Comenity Bank Ulta XXXX XXXX
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 2022-11-11
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: EQUIFAX, INC. (SC)

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 US DEPT OF EDXXXX : # 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 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (CA)

I have mailed 4 certified letters over the past two years in regards to this matter. The most recent letter was mailed XX/XX/XXXX ; US bank has yet to respond nor fix the problem. I have been a model customer aside of my one mishap in XXXX. Since then I have paid every bill on time!
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I informed XXXX, XXXX, TransUnion as well as debt collection agencies 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. Transunion hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (VA)

Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX  to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX has falsified XXXX different recent responses to XXXX unique and different complaints that i have filed in the past few months knowingly and with willful intent to ignore the specific complaint of each individual complaint for the sole purpose not taking responsibility their actions and are trying to conceal each complaint in its individual capacity. 

I am enclosing the XXXX reports for your review to confirm and validate these complaints as accurate and truthful. 

They are manipulating the CFPB reporting systems by closing the cases as duplicates to others which is false and deceptive with no supporting documentation
Consumer complaint received 2023-06-10
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. (NY)

I am writing to officially bring to your attention a serious issue I have recently encountered with Chase Bank, which resulted in substantial financial losses and disruption of my business operations. 

I am a customer of Chase Bank, and I maintain a high standard of diligence when it comes to the management of my finances. However, despite my efforts, I have suffered a significant loss due to an unjustified transaction rejection by the bank. 

I attempted to purchase a stock of merchandise from an overseas supplier, valued at approximately {$7000.00}. Upon initiating the transaction, I was informed by the bank that the transaction had been rejected. I immediately contacted the bank to rectify the situation but was met with an uncooperative response. Despite my insistence and the criticality of the transaction for my business, the bank failed to provide an adequate solution or allow the transaction to proceed. 

This action from Chase Bank not only caused an immediate financial loss, as I was unable to secure the merchandise and lost the associated investment, but also led to downstream impacts on my business, disrupting my operations and causing reputational damage.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # 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 2022-11-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX has falsified XXXX different recent responses to XXXX unique and different complaints that i have filed in the past few months knowingly and with willful intent to ignore the specific complaint of each individual complaint for the sole purpose not taking responsibility their actions and are trying to conceal each complaint in its individual capacity. 

I am enclosing the XXXX reports for your review to confirm and validate these complaints as accurate and truthful. 

They are manipulating the CFPB reporting systems by closing the cases as duplicates to others which is false and deceptive with no supporting documentation
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (PA)

I have a Home Equity Line of Credit managed by Specialized Loan Services. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called Specialized Loan Services. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called Specialized Loan Services and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my XXXX XXXX and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.
Consumer complaint received 2019-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XX/XX/XXXX I contacted customer service to inquire about my bill. I received my bill and it showed the fee that was charged for negotiating one of their offers. The issue I found was that they charged me 24.24 % for this transaction. I wrote a check to myself so that I could pay multiple bills that I had. The check I used was for the promotion that they offered for 1.99 % until XXXX. Offer ID XXXX. The gentleman I spoke to indicated that my letter indicated that the check could not be written to myself. I explained to him that my letter did not indicate that. I offered to fax him a copy of my letter but he said to go to a local branch. A couple of days late r I went to the XXXX XXXX and spoke to XXXX and he called on my behalf. He looked over the paperwork I gave him and could not find anywhere on that letter anything stating what they had told me. I told him that I felt it was deceptive and they made no attempts to appease me in any way. I told them that I was going to return the check and that I would like my fees removed. The offfer that they gave me is not what I wanted.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MA)

Lender provided a loan estimate consistent with its policy of matching competitive loan offers from other lenders. I accepted the lender 's offer conveyed pursuant to its estimate and application package. The lender arranged for an appraisal to occur and I met with the designated appraiser. The following day, the lender contacted me to inform me that its compliance group believed that the loan could not be made based on the amounts stated on the Loan Estimated provided, because it incorrectly calculated those fees. I note that there was no change in my status, creditworthiness, or the value of the property ( which was never actually verified because the appraisal was cancelled by the lender ).

The Lender then sent me a notice that it could not verify my credit. This was clearly a substituted reason rescinding its loan offer. My credit could easily have been verified, but the Lender chose not to do so, such that it would have a quasi-legitimate basis for rescinding its loan offer, despite the fact that its underlying miscalculation was true basis for its declining to make this loan.
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

ENHANCED RECOVERY COMPANY {$430.00} - VIA XXXX XXXX The debt originates from my deceased father opening a cable account under my name. 
I had no access or idea this account was opened. 
This debt was originally put on my credit report by XXXX XXXX XXXX, and I disputed and won that dispute, XXXX appears to have then sold the debt to ERC, who now calls me constantly, even after I have told them that I have not or do not hold a XXXX account in my name. 
They call me every five days like clockwork and it has been going on for months.