davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (CA)

Simm Associates claims to be collecting on behalf of XXXX XXXX XXXX, but has failed to verify the alleged loan debt they are attempting to collect. They have also been harassing me by calling 4+ times every day while I'm at work. They're demanding full payment of the $ XXXX debt or $ XXXX settlement by the end of XX/XX/2019 or they will take legal action against me. I refuse to make a payment without written verification. The constant threat of legal action is causing extreme stress and is having an impact on my capability to do my job.
Consumer complaint received 2019-07-04
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: Penn Credit Corporation (NY)

XXXX  XXXX XXXX  XXXX AMOUNT : {$230.00} DATE OPENED : XX/XX/XXXX XXXX  XXXX  XXXX  AMOUNT : {$200.00} DATE OPENED : XX/XX/XXXX PENN CREDIT CORPORATIO AMOUNT : {$550.00} DATE OPENED : XX/XX/XXXX XXXX
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I was unable to get money from my account. My inability to get access to my own money completely wasted an entire trip and thousands of dollars in travel expenses. How is it possible that a bank can unilaterally just keep my money? They never even said it was a fraud issue, they simply didn't want to give me my own money beacause it violated their rules. How is it that I worked XXXX decades and can't even spend my own hard earned money? Seriously, XXXX?
Consumer complaint received 2019-10-10
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. (WI)

submitted a method of verification request on XX/XX/2019. Received no response. I followed up again on XX/XX/2019, allowing the company another until XX/XX/2019 to respond. To date XX/XX/19 I have received no response regarding the method of verification. Instead of returning method of verification information transunion responded with new credit report dated XX/XX/19 # XXXX stating that item is accurate. Their evasive actions in violation of the FCRA guidlines which was 15 days of receipt to supply information.
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olde City Financial Inc. (NJ)

This person ( XXXX ) continues to call my cell phone when I have continuously told him that I am not the person he is looking for. I said if he knew who he was looking for he'd have the correct number, or he could XXXX the business number of who he was looking for. He just kept trying to go off on me to '' justify '' calling and not leaving me alone even when I kept saying that I am not who he's looking for. 


Dates called : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX
Consumer complaint received 2019-07-04
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. (NJ)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-03-20
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. (CA)

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 : 2.XXXX XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX - XXXX  # XXXX, Account name : 3.XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # xxxxxx XXXX, Account name:4XXXX XXXX XXXX # XXXX XXXX Account name:4.XXXX XXXXXXXX XXXX # XXXX, Account name:5.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 2019-10-10
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. (TX)

My wife was on a business trip that I accompanied her on to Northern Ca. We stayed the night before in XXXX XXXX, Ca., in one room and used our Citi Card. We made reservations the next night online for the XXXX XXXX, when we arrived, we were given only one choice of an upstairs room that was available, difficult being a senior and lugging suitcases, but we took the room, enjoyed 1 night there and check out in the morning. We've called the Hotel to dispute and they have a booking service that made duplicate reservations. As you can see one of them is the wrong spelling of our name. Regardless, we checked into and used 1 room, it's obvious we wouldn't have needed 3 rooms and if we had 3, why weren't we given options on check in? I've taken this up with CIti and they are absolutely no help, they just send an inquiry and then charge you. 

This is the second time I've had an issue with Citi Card on a fraudulent charge, last time they did not remove the charge and now it's happening again. Long time card holder, excellent credit score, Veteran and would appreciate any help with this.
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$140.00}
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All 3 credit bureau 's are reporting XX/XX/XXXX  DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted XXXX, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if theseXX/XX/XXXX DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My debit card was used for an unauthorized transaction at XXXX XXXX, I reported the transaction to chase bank and told them it would be impossible for me to charge that amount- my card was charged exactly for the amount leftover in my account. I was not in the area at all, the date the charge was posted I was at work and did not notice until after. They started the " investigation '' and I just got off the phone with a chase bank representative and was told that because it was a chip transaction I had to be there. I repeatedly insisted that I was not there and they told me because my card was previously in my possession and not missing there was not much that could be done. I did not buy shoes and I was not there when this was charged to my account, now I have to reach out to XXXX XXXX and see what I can do because chase was unable to help me
Consumer complaint received 2019-10-10
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. (IL)

Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (CA)

The car was repossessed in XXXX, I paid the amount that was asked for me to get possession of the car. XX/XX/2019 I was involved in an accident I hydroplaned at night on my way to work in an extreme rain storm. The car is not wrecked but the computer was damaged due to the high level of water in the ditch. I spoke to Consumer portfolio in XXXX after the incident and they had stated they would come and pick the vehicle from outside my home and sell it in auction and I would owe the difference. We both agreed on that, in XXXX the car was still outside my home and they are now refusing the agreement we had which was recorded on the phone by the company. They said in XXXX when I did speak to them that they will not reposes the vehicle it is my problem and they will do nothing until the full amount of the loan is paid off. It is now XXXX and the car is still in my possession but I can not do anything with it since the company still holds the title to the vehicle. The car has now received a ticket to be moved and I can not sell the vehicle or do anything with it. I would like them to honor the original agreement we made over the phone in XXXX that they will come and get the car and sell at auction and I will be responsible for the remainder of my loan after the auction amount is credited to my loan amount. As well as them removing the insanely amount of late payment charges they have applied to my loan amount since XXXX which my case manager told me the company did on purpose with malice intentions of charging me the insanely high amount of late charges plus my monthly payment. I have looked up this company on your website and have found many other stories like mine of this company unjustly charging customers and also refusing to pick up surrendered vehicles.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding has had my account past 7 years. Midland funding also forged an payment of {$10.00} on my account stating that was my last payment. That is not true. The continue to send me letters and it is pass the statue of limitations. I have file disputes with the credit agencies and also notified MCM Midland funding asking for proof of the {$10.00} no response. I also ask for this account to be deleted this account is 9 years old. I just receive a letter stating they are going to continue to report the debt as unpaid. When I called on XXXX/XXXX/16 they lied to me when they purchase the account while I was in the presence of an financial empowerment advisor dispute the collections. The representative at MCM finally admit that the credit was old after being caught in a lie. I receive an veiled threat letter XXXX/XXXX/16 from MCM by XXXX XXXX Division Manager of consumer Support Services at Midland funding by mail about my account by continuing to have my account label as negative remark unpaid for the rest of my life. MCM had my account over 7 years instead of deleting from my credit report. Midland Credit Management continue to leave a permanent scar on my life.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I APPLIED FOR A GREEN DOT SECURED CARD IN XX/XX/2019. I NEVER RECEIVED IT. A FEW MONTHS LATER MY CREDIT REPORT SHOW A DEROGATORY ACCOUNT MARK. I SUBMITTED A {$200.00} AS A DEPOSIT. THE CARD NEVER CAME AND WHEN I CALL CUSTOMER SERVICE FOR THE CARD THE REQUIRE THE CARD NUMBER WHICH I NEVER RECEIVED. THE OTHER OPTION WAS USING MY SOCIAL SECURITY NUMBER AND I TRIED THAT AND THE SYSTEM SAYS THEY ARE HAVING TROUBLE FINDING MY ACCOUNT. THE CALL JUST CUTS OF AFTER THAT AND THERE IS NO OPTION TO SPEAK TO A PERSON. I COULD NOT EVEN BE RE-DIRECTED BY THEIR PREPAID CARD SYSTEM BECAUSE THEY ARE NOT CONNECTED. I WROTE LETTERS TO THEM AS WELL. I GOT NO RESPONSE AND THE NUMBERS GIVEN TO ME DO NOT WORK. I WAS ROBBED OF {$200.00} FOR A CARD I REPORTED TWICE. I GET ALL OTHER CONTACT ACCEPT MY PHYSICAL CARD.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.Together with the Fair Debt Collection Practices Act, by the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2022-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Capital One. I did not open or authorize this account. Even though it has a XXXX balance this account was not opened by or used by myself. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2023-03-20
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. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each account name above 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 2019-10-10
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. (IL)

Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-07-04
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. (TN)

My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.
Consumer complaint received 2019-07-04
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. (FL)

XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.
Consumer complaint received 2019-07-04
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. (FL)

I had noticed on XX/XX/XXXX I received a notice from Chase Bank that I was overdrawn on my account. I immediately called them because I just had my Direct Deposit that day and knew I had no outstanding charges. I looked at my account only to see there were 2 {$590.00} charges to my account from XXXX. I called and spoke with a CSR where he looked at my account and seen a {$1.00} charge in XXXX that I was not even aware of from XXXX. I told him I am calling about my account being completely depleted due to this and wanted my money back. He asked if I want to stop payment and it would be a charge. I told him I had an alert on my account and informed Chase multiple times do not accept payments from XXXX because this happened before and I do not have an account with XXXX. The CSR assured me my fund would be in my account in 12 hours. I checked my account and no funds were put back. I called again and spoke with another CSR who informed me my 2 Charges of {$590.00} were denied because another claim was opened same day for {$1.00} and they only allow 1 claim every 60 days. I told him I did not file a claim for {$1.00}. He stated he would fix it and my money would be refunded in 12 hours he advised me to close the account. Next day I enter a bank only to find the money still has not been returned. The Employee at the bank informed me MULTIPLE people were in the past 5 days complaining their accounts were compromised. She shared that her account was compromised and promised my money would be returned in 12 hours. Again NOTHING. I contact the Executives of the company to have a XXXX   who is an Executive CSR call me blaming me for my fund not being secured and If didn't give my email out. I don't even shop on line. She suggested we conference XXXX on a call, I agreed. Immediately she asked how can Ms. XXXX secure her account with you, by changing her email. The XXXX rep did a search for me and stated, SHE DOES NOT HAVE AN ACCOUNT WITH US. I then asked, with the {$1.00} charge in March is that the Thief making an attempt to see if the bank will allow them access to my account, HE said YES. I then asked is this a Bank Security Issue, HE said YES. XXXX was very quiet after that. CHASE BANK Still will not return my funds, I just received an email stating I have a temporary refund of {$1.00} the fund the 1st CSR filed that I did not know about nor Authorize. I am now getting Penalized on bills not paid. CHASE refuses to refund my money even though it has been shown it was their errors and system that was compromised.