davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
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: FC HoldCo LLC (PA)

XXXX XXXX  is showing on Supplemental Public Records & Residential Information is  showing I did not apply or sign any documents applying for credit in any way as showing on my credit File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXXon promotional and information.
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (WA)

This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again on XX/XX/XXXX around XXXX XXXX not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved
Consumer complaint received 2024-02-06
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-01
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. (NC)

XXXX, XXXX, Equifax is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX and EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX, XXXX, or EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX. XXXX Report XXXX XXXX. EQUIFAX Report Confirmation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 will be filing form XXXX treasury XXXX forms to audit consumer 's account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2018-05-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (LA)

Regarding : XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX Today, I am writing on another matter. I am in the process of obtaining a security clearance with my job and they pulled my credit report. Your company is listed, as items ( late payment ) that are preventing me from obtaining my clearance. I know we just resolved this account in XX/XX/2017, and it has already been updated to Paid in Full, however, I am asking if the account can be completely removed off my credit report for XXXX XXXX and XXXX XXXX 's Freedom Mortgage Home Loan Acct # XXXX. 
Obviously, I need my job, especially since I am just starting to bounce back on my feet after my health issues that prompted our financial relationship in the first place. I would be absolutely elated if this would be possible. 
Sincerely, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-05-22
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: Bread Financial Holdings, Inc. (MO)

I was hit with two separate hard inquiries from comenityXXXX on the date of XX/XX/year>. This is a mistake as only one inquiry was approved. There is no reason for the same company to run two separate reports on the same day.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX, and XXXX XXXX The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (NY)

I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.
Consumer complaint received 2021-06-03
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: BMW Financial Services NA, LLC (FL)

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I canceled my auto pay option for my Dovenmuehle mortgage on XX/XX/18. Then i manually paid my mortgage on XX/XX/18. On XX/XX/18 the auto-pay tried to take the money out of my account anyway and the payment was declined. XXXX gave me a XXXX dollar return fee even though I had paid my mortgage on time. When i called in to have the fee waived i was told that even though i made my mortgage payment on time that they would not consider waiving the fee unless i submitted a written letter to their review department. I feel like assigning an undisclosed fee to a customer without giving them ample opportunity to avoid the fee is deceptive and designed to profit off the customer without their consent.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

On XX/XX/2024 I saw on my XXXX, XXXX and XXXX credit bureau accounts that I had an account that was sent in to collections. It is stated that I had an account with the XXXX XXXX XXXX XXXX which was sent into collection and the amount owed was {$2100.00}. Now I never attended the XXXX XXXX XXXX XXXX or applied to go to such a XXXX  and thus I don't owe them any money. 
I live at XXXX XXXX XXXX, XXXX XXXX Missouri, XXXX and attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I will attach documents to prove this.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (NY)

LJ Ross Associates, Inc. contacted me regarding XXXX XXXX debt collection. Since XXXX XXXX I have agreed to pay in monthly installments for the account XXXX, located at XXXX XXXX XXXX XXXX , an apartment I had to leave due to non livable conditions and landlord neglect. I have since been making on time payments of {$110.00}, and completed 2 of the 5 payments. They told me they would be reporting back to the credit bureau positively that I am paying this debt as I make these payments. 

On my interaction for attempts to make the third payment, today XX/XX/XXXX after calling several times during the week at a different number provided initially without response, I was told I would need to pay the full remaining balance, or they will report negatively to the credit bureau, affecting my credit score. This is not what I was told, or lead to believe initially upon agreeing to do the monthly installments upon consumer good faith, and futhermore I am being essentially blackmailed/ strong armed into paying a full bill I can not afford to pay or they will report to the credit bureau . This is also during a time of lockdown, pandemic economic crisis, where state and federal government along with cooperation from NY XXXX has allowed for individuals to not have to pay their bill, or be threatened for negative recourse if by negative credit reporting or fees, if they can not afford to pay it from lack of work due to the current crisis. I am currently on unemployment, and working hard to find new work and LJ Ross is pushing me into economic hardships I can not afford to pay safely, while using reporting to the credit bureau negatively as undue and pandemic profiteering leverage. I need immediately for them to not be allowed to report to the credit bureau, and for the debt payment obligations to be put on hold as long as the original merchant XXXX XXXX is offering relief due to hardships during the lockdown.
Consumer complaint received 2022-06-15
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. (FL)

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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (AZ)

On XX/XX/XXXX I opened a dispute on three separate XXXX advertising charges. Discover credited me the disputed charges while they complete their investigation. During the course of their investigation, around a month later on XX/XX/XXXX, they sent an email that I should call regarding my account without any other context. I called that number and it was the automated line for customer service. 

On XXXX I received an email that the investigation was not found in my favor and the money was again charged to my account. Looking over the documentation provided from the investigation, I could see that the merchant information had " XXXX XXXX, CA '' and " XXXX XXXX '' in the address with an incorrect zip code. 

Obviously, there wasn't much done in their investigation and I just spent hours on the phone with them for them to only tell me that it will take another week. 

Discover operates, like most companies, on a " someone else 's problem '' type of support. As long as the customer swirls around enough through the crapshoot of support, they'll eventually get the problem solved. A lot of XXXX falls through the XXXX with this operating model, clearly.
Consumer complaint received 2022-01-19
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. (ID)

XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXt amount {$99.00} These 2 companies have fraudulent collection accounts on my equifax XXXX XXXX and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Consumer complaint received 2018-05-09
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. (FL)

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was sent a check ( via priority mail ) for a " mystery shopper program ''. I have participated in a program like this before. The check was deposited at a Chase ATM On XX/XX/XXXX I was declined for a debit card charge on this account. I called chase and they notified me that my account was restricted and chase was going to be terminating the relationship between bank and myself. I was rudely spoken to and have documented the discussion. I was notified to go to a chase bank to withdraw the remaining balance. After going to the Chase bank in XXXX XXXX ( {$12.00} XXXX ) I was notified by the banker that remaining funds would not be available until Wednesday XX/XX/XXXX. On XX/XX/XXXX I went to the Chase bank in XXXX XXXX as directed ( {$17.00} uber ). I was notified by the banker that ALL funds are being withheld/frozen until 7-10 business days from XX/XX/XXXX. I then called XXXX as directed for clarification. Again, I was spoken to in a manner I never have been. After having to change my direct deposit for work, having no access to cash in my checking account, taking off work to get incorrect information from Chase ( online and in the bank ) my funds are still not available CHASE has ruined my work schedule and my families holiday. Chase has cost me {$1300.00} in travel and holiday expenses along with late payments due to not having access to my account
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account. 
I moved to XXXX XXXX on XXXX XXXX with an XXXX XXXX  from my company, after XXXX  months I find out someone was using my information to open credit cards under my name. Since I'm not a XXXX XXXX XXXX XXXX, I have submitted the information on my XXXX form which verifies I wasn't on the country when the credit card was opened. 
Currently, I'm not even living on the address registered under the credit card.
Consumer complaint received 2018-05-09
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was charged by XXXX XXXX for {$3000.00} The services to be rendered was to provide businesses that were actively looking for financing. Leads that were not valid had a return policy with no contract and claims of easy cancellation. The {$3000.00} was prepaying for leads not yet received. Very quickly I realized that the leads were fake and the company had a reputation for selling bad data and bad leads. I immediately sent emails and called the company to cancel our account and discontinue receiving leads. The company either didn't respond or continued to pass me to different departments or people that I needed to speak with. Ultimately as I continued to call the phone number for the company was disconnected and felt there was no other avenue to cancel other than through the credit card ( Chase XXXX ). I began my dispute with Chase. I had several calls back and forth with Chase going as far as three-way conferencing XXXX to show that the phone number was disconnected. They assured me this was a very simple matter and that it would be resolved quickly. On XX/XX/XXXX I received the first official written response from Chase that XXXX claimed that the charge was valid and that I had never canceled the service. The supporting document that Chase sent to me that I have copies of are completely illegible. On that letter that was dated XX/XX/XXXX they gave me a deadline to respond by XX/XX/XXXX which is obviously impossible as the date of the letter was after the deadline. I called Chase again and express my worry that the date of the letter and the date of the deadline didn't match up, and that the supporting documents that XXXX had provided was completely unreadable, and had no way of responding as I did not know what it was that was sent. I was told that they were handling it and not to worry about the mismatching dates. On XX/XX/XXXX I received a letter stating that they had completed research of the dispute and ruled in favor of XXXX. The provided documents did not have any logical response to the fact that I was not able to cancel as I was not able to reach anyone by email or phone through repeated attempts. I called Chase who told me that this was normal and that I simply needed to fax them a letter stating that I would like to reopen the dispute. I did so immediately. On XX/XX/XXXX I received a letter stating that because the original charge was too old they had closed the case and there was nothing I could do about it. I am not after repeated attempts with Chase to get further explanation on the timeline and mistakes contacting the CFPB to help with the issue.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity Theft, Someone used my info to lease an apartment and I have no idea who. I submitted a claim to Experian and they rejected my claim, I sent them a police report and I need it to be removed from my credit as it affects me.