davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, Experian and XXXX. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from you.
Consumer complaint received 2016-03-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (IL)

I received a message from XXXX company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for Chase. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, XXXX and Transunion. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from you.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NV)

I went to a local business in XXXX, Nevada ( XXXX ) to pay for a service rendered on a ring. When I tried to pay with my Chase-XXXX Visa credit card I was refused because the company said they will not accept a credit card with rewards. They said they require a minimum of {$20.00} to use a credit card and it can not have rewards. My fianc had to use her card, which was embarrassing. Then the company said they needed to write down her drivers license information when using a credit card. This worries us greatly from a identity theft aspect. I contacted VIsa and was told to register a complaint because neither of the XXXX requirements was not allowed when making a purchase in good faith.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I made a purchase through Capital One 's Shopping browser plugin. The Cashback was activated per the plugin and i have screenshot of it. It was supposed to be 15 %, about {$9.00}. I have contacted their Exec. Escalations team and finally got three voicemails that never rang on my cellphone asking me to callback a number that wasn't theirs
Consumer complaint received 2024-05-08
Product: Credit reporting 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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft I have also Attached a Idenity theft report In relation to the Identity theft : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. I can not stress enough, that these inquiries are not mine nor did i give my written consent to furnish any accounts. Thank you.
Consumer complaint received 2022-04-20
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: CITIBANK, N.A. (MN)

Citi bank/Costco My dispute has been closed. I am to pay the unauthorized charge. I did not make the transaction with the merchant. 
I innocently responded to a scam by a company purporting to be XXXX XXXX 
who was trying to refund to my creditcard money they had withdrawn for a XXXX subscription. I had to provide my account number in order to get the refund credited. 
In a few hours I learned it was not XXXX but a scammer that I was dealing with.I immediately closed my Costco Citibank account, but before I could do so, a transaction of {$1700.00} was made. ( three more transactions were denied. ) Perhaps my age is a mitigating factor as I am XXXX ... ..I am somewhat aware of elderly fraud, but " XXXX '' was professional and knowledgable and I an unwitting comsumer who fell for the fraud. 
I am therefore asking that in fairness the charge of {$1700.00} be reversed.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XX/XX/2022 Citibank suddenly closed all 3 my citi credit cards.

All my cards are paid on time and meet the minimum requirements.

I communicated with their customer service. They said its their decision and refuse to give any details to me. Also all my reward
s balance are not available.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

After reviewing my credit report I observed Home Depot Credit Card has not reported this credit card on my daughters credit report to XXXX or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with XXXX, XXXX and XXXX. I am requesting for this credit card by Home Depot, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats XXXX.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. 
Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. 
This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (SC)

Someone created a fake XXXX account using my name, address, and credit card number and made a purchase on XXXX for two items that were supposedly shipped and delivered to my address. When I saw the charge of {$120.00} on my credit card and couldn't locate an order in this amount on my husbands XXXX account, I knew right away it was fraudulent. I called Barclay 's Bank immediately to dispute the charge and request a new card. They issued a provisional refund for the amount listed above while they completed their own internal investigation. 

I received a letter dated XXXX that said they had completed the investigation and were able to determine the charge was indeed valid and they would reinstate the amount to my card. When I called them today ( XXXX ) they told me they have received documentation from XXXX showing that it was a valid purchase on an account with my name and address listed for that amount. I asked if they could send this information to me and I was told no. I was told by XXXX at Barclay card that I'd need to call XXXX to resolve. 

I called XXXX and spent 2+ hours on the phone and spoke to 5 different people. First person wasn't able to verify the account because my phone number didn't match. Clue number one that this was a fraudulent account. I was then passed between other folks and the final person XXXX basically told me I needed to call my bank back to request a new card. I explained I had already done this. And then miraculously they couldn't find my account. 

I am out {$120.00} and have no products or anything. I have never had an XXXX account under my name or address. And now I am getting emails from XXXX telling me they can't find the account.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TX)

XXXX XXXX is attempting to collect a debt for XXXX. I do not owe a funrize company anything. This company created an account due to identity theft fraudulently and proceeded to charge me {$800.00} I emailed this company after XXXX  them, and they told me that the account was banned and couldnt redeem and that all charges would be refunded back to my account. That I wasnt allowed to use their platform which is fine because I dont anyways. They then send me a debt collection letter telling me I owe funrize {$49.00} and {$30.00} in fees 5x I dont owe that because Ive never used this companies platform and dont even have an account with this company. This is a fraudulent debt and not authorized.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 Account # 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 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 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (PA)

After spending an hour on the phone today, XX/XX/XXXX with three different Comenity Bank associates, I was rudely treated and was told that they could not do anything. 
I had called them to find out why they raised the interest rate on a closed credit card account. They said they have the right to do so. They can do whatever they want. Since the account is closed, they never notified me. But, on the billing statement ( I still have a balance that is being paid ), I noticed in the fine print on the statement that the interest rate was higher than ever before. I referred them to the Credit Card Act of 2009 that President Obama signed into law. It considers the closed account balance as a " Protected Balance '', one in which the prevailing interest rate at the time of the account closure will be in effect. This law was passed to protect consumers like myself. In dealing with this Credit card company : Comenity Bank, I found that they will not protect their customers and willing change their internal procedures to squeeze their customers for more money than they are allowed to demand from them. The Bank is unwilling to follow the laws of my state and the federal government and their customer service representatives are unaware of them. I had to make them aware of the laws because they were not even familiar with them. However, they stated no one at the Bank had the authority to change the interest rate back to the frozen rate. I am making a formal complaint and want some action. Thank you.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Account # 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 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX now owned by XXXXXXXX XXXX  is reporting my account as 30 days late after updating my account as current. I spoke with them and they updated the account to current after doing an in depth investigation and finding my accusation as never paid late valid. They changed my account to 30 days late to better their situation in reporting my info back to the data agencies for their benefit. This information is inaccurate and they are practicing illegal acts with no information or original contract that this account is late. 
According to 15 U.S Code 1681e they are in the wrong. 

XXXX XXXX XXXX reported positive then the same day changed the account to negative when they knew they are wrong. I have supporting documents showing this action. 

I reviewed my Consumer Report and noticed that I have one late payment on my account and I was never late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX : Account ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2016-08-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: World Acceptance Corporation (CA)

J.H. Portfolio debt collection practices on my credit and have been placed for collections. 
I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. 
XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 
2. The number one way companies validate an account is through a signature neither of the entities above have done so. 
3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 

In the meantime XXXX XXXX must cease and desist all debt collection practices. 
In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.