davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX balance {$0.00} account # XXXX
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$25000.00} account # XXXX 30 days late in XX/XX/2021, and XX/XX/2021.
Consumer complaint received 2022-05-04
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 a accordance with the fair credit reporting Act XXXX and 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello dear CFPB I am writing to inform you that CHASE is in my opinion VERY Biased XXXX financial institution, the reason i am stating it because i am banking with CHASE many years and I have done nothing wrong but today i have received letter they are closing my personal and business checking accounts, most importantly they are not disclosing why just stating generically 'unexpected activity ' which is 100 % false accusation, Please be aware that CHASE company is discriminating minorities here in Southern California and Closes account for no reason. Please Ask chase to either halt closing my account or give me why you closing and damaging my financial record with cheq system. Please see attached letters i have receive from CHASE.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (FL)

XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. After I blocked their number, they started calling from a restricted number. This is harassment.
Consumer complaint received 2022-05-04
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: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ).

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. Ibid.

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). Ibid. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IN)

I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

these are the inquiries i didnt authorize and are fraudulent on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (AR)

My rights have been violated : National credit system- XXXX XXXX. Unfair practices National credit system failed to investigate my dispute within the FCRA time frame! The company then sent me a letter with a different mailing address from the address listed on my reports claiming I never contacted them about this debt! I then sent in my proof of previous dispute letters with usps documents and the company is breaking the law by now stating they have sent my disputes to the Credit beureas. Furthermore the company has uploaded false documentations. You uploaded documents stating I moved out of XXXX XXXX XX/XX/2020. A lie. Also the documentation claim that the Notice of debt was mailed to the same address listed as the move out address! How would I have gotten this notice?! I have attached proof and demand this account is deleted
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
I C SYSTEM ( Original Creditor : 11 ATT U VERSE ), balance is {$260.00}, and account # XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TN)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
ACIMA XXXX XXXX XXXX, balance is {$1300.00} and account # XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

Why do you keep in reporting this fraudulent accounts in my credit report under EXPERIAN Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my request, It appears you are also abusing your power under the FCRA to escape a complete investigation. 

Here again is the fraudulent accounts that being reported : XXXX  account # XXXX bal is {$0.00} I'd like to request that you proceed with my original investigation request and send me the results within 15 days. As a result, I will legally and legitimately deny your " form letter, '' giving you only 15 days instead of 30.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

As of XX/XX/2024 there is inaccurate reporting information on my XXXX, XXXX, and Equifax credit report. My name is incorrect and missing generation identifiers. The law prohibits the reporting of inaccurate information reporting and must be removed, not updated by law. There are several accounts across my credit reports with variations of a name similar to mine but not me. These accounts need to be removed by law.
Consumer complaint received 2022-05-04
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. (PA)

I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..
Consumer complaint received 2022-05-04
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. (PA)

I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..
Consumer complaint received 2017-09-05
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. (TX)

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX XXXX and XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting act 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 has reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-09-05
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. (TX)

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Consumer complaint received 2022-05-04
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 # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CO)

The original loan was for {$650.00}. I was paying 646 % interest on the loan. This loan was taken out on the XXXX of XXXX. They were taking {$180.00} out of my paychecks twice a month for three months. I looked at the loan to see when it would be paid off and found out that it wouldnt be paid off untilXX/XX/2020. 
I called the loan company on XX/XX/XXXX to see if I could reduce my payments and they refinanced the loan at a rate of 285 % interest and are now taking out payments of {$77.00} twice a month. This loan is scheduled to be paid off in XX/XX/2020. 
Every time I have called for a payoff amount, the amount is greater than the original loan. Both times Ive called for payoff, the amount has been {$750.00}. 
Ive paid over {$1000.00} on the loan, how can the payoff go up?
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Applied and opened a business checking account on XX/XX/XXXX with a welcome offer that was in my " Rewards & Deals '' login page. Applied via that link. I met all requirements for the bonus. 
XX/XX/XXXX : Chatted via phone app, rep said no offer attached, and when I gave them the offer code ( which was pre-filled in the application link ), they said it had expired in XX/XX/XXXX. Told them that made no sense because all I did was applied via the link on my account. It was clear to me it was an XXXX issue. She submitted inquiry to customer incentive team. 
XX/XX/XXXX : Phone call to follow up. Said the previous inquiry was denied because the offer code provided had expired. This rep said she found the " correct '' offer and submitted new inquiry with offer details ( no offer code ) XX/XX/XXXX : Phone with rep to follow up. Said the inquiry submitted on XX/XX/XXXX was denied with no reason provided. So she submitted another escalation. Told me to call again in 7-10 XXXX  days.
Consumer complaint received 2023-02-22
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendleton Capital Management (NJ)

On XXXX XXXX XXXX, agent XXXX of Pendleton Capital made contact with consumer. XXXX did not notify consumer that the communication was an attempt to collect a debt. XXXX did not disclose to the consumer, his rights under the law to dispute debt and/or his right to validate the debt. XXXX did make a false and misleading statement, specifically that there was a 'pending judgment ' for an outstanding debt - verifiably false. XXXX could not name the plaintiff and/or which court/state the action was taken. Pendleton Capital did not and has never provide written notification to the consumer of the existence of the alleged debt. Phone call 1 was an incoming call from agent XXXX. Phone call 2 was an outgoing call to agent XXXX by consumer in an attempt to gain disclosure. Agent XXXX verified there was no judgment pending against consumer, verifying agent XXXX did in fact make false and misleading statement in an attempt to coerce consumer into a payment.