davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp. (WA)

XX/XX/15. 
XXXX XXXX XXXX Armada Corp is trying to collect bill that is not mine. False reporting to credit bureas. I contacted them directly and asked for proof of my bill. They never sent or provided proof. False bill. Not mine. Very rude company
Consumer complaint received 2019-09-28
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: Conn's, Inc. (TX)

Please see documents attached. 

I have disputed Conn 's several time with proof and they continue reporting false information to credit bureau. Recently, in XXXX and XXXX Conn 's reported my account as current, XXXX Conn 's reported my account XXXX past due. The information is inaccurate. When reporting disputes to the credit bureau they do not consider evidence and allow a company to report whatever they want. I recently brought to the attention of Conn 's they were overcharging my account and payments they received did not match my record of payments, my account went into collections with Conn 's. I provided proof of all payments in XXXX and we agreed on a settlement. I have agreed to an amount that is fair, however, they reported double the agreed amount to the credit bureau. I have attached agreement letter, and amount from bank account to prove Conn 's is reporting the incorrect information on my credit report..
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MI)

Online and on monthly statement account is informed that a promotional balance is expiring. There are two different promotions being used. One is deferred interest if paid in full, the other is equal payment no interest. Nowhere does it tell how you can pay off the deferred interest if paid in full balance off. Example : Online showed $ XXXX balance due to pay off promo and a minimum payment of XXXX {$160.00}. I paid {$270.00} online, expecting it to cover the promo balance. Next month, I still had $ XXXX deferred balance left. I called to ask how much I had to pay the promotional balance off. ( the minimum payment was still about {$150.00} ). The agent started adding a list of equal payment no interest amounts ( these are no listed in my monthly statement, so if I hadn't called I could not have done this myself ). Then he cam up with a minimum payment I had to make of {$220.00} to get rid of the promo balance that would have added interest for the whole amount and time I had borrowed the money. Furthermore he had me pay the balance online and stayed on the phone so he could apply them a certain way. If I had paid that same {$220.00} without an agents intervention to apply it a certain way, that same payment would not have covered the promo balance and all that interest wound have been applied the following month. My complaint :!. Disclose the information needed on the statement, 2. Spell out the amount to clear the promo balance, and, 3. apply the payment to the customers advantage and not trick the customer into paying additional interest by distributing payments to maximize Synchrony 's bottom line.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-04-06
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. (OH)

IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME.

I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED.

DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED.

I DONT KNOW YOU HAVENT RECEIVED MY LETTERS, I DONT KNOW WHY YOU HAVENT RECEIVED MY NOTIFICATIONS BUT IM TELL YOU RIGHT NOW THAT THEY ARE NOT MINES & NEED TO BE REMOVED.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 1681 section 602 A. States 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 2023-06-11
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account number ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX XXXX  dated XXXX. XXXX, XXXX. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2019-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MI)

I have a XXXX account with no incoming international wire fee through Chase. 
However, I was charged wire fee, and I asked XXXX about the fee but was asked to contact Chase. 


XX/XX/XXXX I wired {$7500.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX ( attached SWIFT ) XX/XX/XXXX only {$7400.00} posted. I asked XXXX numerous times but they said the sender charged the fee but sender sent me the full SWIFT that shows no fee charged from the sender side. 

XX/XX/XXXX I wired {$8000.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX. 
XX/XX/XXXX only {$7900.00} posted.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

I made a purchase on XX/XX/20 for {$16.00} using my Comenity credit card. A few days later I attempted to create an account online so that I could pay the balance. The website did not work so I used the automated phone service to establish my account and pay the balance. It appeared everything was fine. 

A week or so later I find out Comenity charged me an additional {$18.00}. They say I did not provide the correct routing numbet and/or account number from which I paid the balance so they are charging me the penalty of {$18.00}. I did not provide incorrect information. 

I asked Comenity to provide me the routing number and account number I provided them hen paying my bill and they REFUSE to provide thst information. 

I refuse to pay an {$18.00} penalty fee when they refuse to provide proof that I SUPPOSEDLY entered incorrect information. 

I have approx 7 pages of email exchanges I've had with Comenity.
Consumer complaint received 2023-06-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXXe Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NH)

We purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX inXX/XX/XXXX The vehicle has been in the shop many times and they have been unable to fix it. We are now in arbitration with Chrysler. Our XXXX has been in their shop for nearly 2 weeks now for their allowed final repair attempt. However, they refused us a loaner vehicle. My husband has been taking his motorcycle to work in the rain and freezing cold temperatures because of this. We still have to pay our $ XXXX/month payment and we have no vehicle. This is absolutely absurd. We have attempted to resolve this with both XXXX and Chrysler, but the fact of the matter is that we are under warranty. We pay our payments. We both need to get to work and my husband absolutely should not be forced to put himself at risk on a motorcycle in the rain or freezing temperatures. We are paying a lot of money for absolutely nothing. That's stealing plain and simple.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today XX/XX/XXXX I was looking at a copy of my credit report and I noticed that there were a few inquiries that were not made by me. Those inquiries do not belong to me and I never allowed those companies to run or access my credit file or personal information. The inquires that were not made by me are the following. XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX & XXXX XX/XX/XXXX. These unauthorized inquiries need to be removed from my credit report ; I have also filed a police report.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Not a good area to discuss this on your site ... ..XXXX ... ... XXXX and XXXX are XXXX websites that are all crooked scams ... ibought a small freezer from XXXX  and then discovered that it is a fake scam site ... then idiscovered that all three sites are the same thing ... XXXX knows they are scam sites and allows them tocontinue ... ..they should have already shut them down ... ..XXXX  and XXXX need to be regulated by the gov ...
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

IMy car a XXXX XXXX XXXX was financed for {$7000.00} by XXXX XXXX XXXX. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe XXXX XXXX   XXXX nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel XXXX XXXX XXXX is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. Mr. XXXX XXXX
Consumer complaint received 2019-10-03
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: JPMORGAN CHASE & CO. (GA)

I have an issue with Chase regarding them incorrectly saying that I was late. I opened a complaint with you number XXXX. In XXXX the company agreed to remove the late status. The company never did remove the late status and it's still on all of my 3 scores.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (MI)

My father has passed XX/XX/XXXX, I got a probate and Im over his estate. I have been in contact with direct express since XX/XX/XXXX about what all I needed to obtain his remaining balance. Direct express only deals with clients via email when it comes to deceased clients, and they never responded to me until XX/XX/XXXX stating i was missing a document. I was told the process only took 4-6 weeks, I reached out in XX/XX/XXXX and one of their employees stated the funds were claimed and a check would be issued within 30 days. The email team keep stating they dont have a time frame and when i call their employees keep directing me to social security , i made a appointment with them and they stated everything i need to do is with direct express. It is now XX/XX/XXXX, no one has said anything and still no check has been received, this is ridiculous. Almost an entire year just to empty out the funds in a account, someone needs to solve this problem.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Affirm is trying to collect on a debt that was a result of identity theft. I'm uploading my affadavit and I have sent them a copy of my lease which is too large to upload here. The merchandise they say was purchased was sent to an XXXX  address and I have lived in XXXX  since 2010.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-03
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-11
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. (MI)

I signed a contract stating that I would receive {$120.00} for Equifax due to thier security breach. I received another email informing me that I must amend my complaint and the sum of money would be less. I signed a valid contract and those terms are enforceable. No one can make me amend that contract, in order to give me LESS. This is unfair and deceptive.