davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase Sapphire card to qualify for bonus points that Chase was offering to new cardholders. I was called the next day by a Chase representative telling me that since I already reached the maximum credit line from my 3 Chase cards, they would have to allocate some credit from one of my existing cards in order to open the new card. I agreed and moved {$5000.00} from one of my credit lines to the new card. 

I later checked my credit score because XXXX XXXX sent me an alert. Chase did a hard pull on my credit and dropped both of my credit scores from XXXX down to XXXX even though they did not extend me any new credit and merely moved my credit from one card to another. 

I reached out to Chase and the Credit reporting agent that I was transferred to was rude and condescending on the phone, while providing absolutely no attempt to help me out. 

Chase has also been locking my cards seemingly at random due to " fraud detection '' even though I've been only using my cards on the same websites, and near where I live. Previously, I've also tried to get them to honor their card benefit of covering the return of a product that the seller refused to refund, and Chase was unwilling to reimburse me in spite of several attempts at contact and speaking to several agents. I have never missed a payment, or made a late payment to Chase and have been a customer with them for over 12 years but will be moving my business elsewhere because they clearly have no regard for customer satisfaction.
Consumer complaint received 2023-04-10
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: PENTAGON FEDERAL CREDIT UNION (CA)

Today, XX/XX/2023 I got a notification from my credit monitoring agency that PenFed pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. Penfed has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies. 

NOTE : In accordance with the Fair Credit Reporting Act PENFED has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report. 

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

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

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

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

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

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-04-10
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)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH 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 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 CT, 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 XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( 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 2020-09-17
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)

unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. Equifax refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

XX/XX/2018 trying to purchase gas with the XXXX CARD. It is not working. We are out of state traveling. Called number in back of XXXX card and after automated prompts told to call back during business hours ... do not TELL you the business hours. Most people travel on weekends ... it is summer after all. How can a customer not be able to get gas???? And then not be able to speak with customer service! Deplorable treatment of the customer! I called back again ... went thru the prompts. And tried to report that we were traveling. Again, we were told to call back during regular business hours!!! Which are not provided in the recording! Disgusting!!!
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (GA)

I never lived in Virginia or had and power service in Virginia I have tried to dispute this numerous times and they keep saying they disagree. Someone use my info and ran up a XXXX $ bill in electricity. It's not me or my authorization of this bill or account. I need it removed.I have not supplied proof under the doctrine of the estoppel by silence. Engelhardt v. Gravens ( XXXX ) 282 SW 715. 719.! I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist.
Consumer complaint received 2021-09-14
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-10
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: JPMORGAN CHASE & CO. (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

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

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

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

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

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been trying to address the erroneous reporting on my credit report. XXXX had a public judgement ( they finally removed ) and other items that are not accurate. I have called them last year several times to request and correct my name and addresses. I have asked for a copy of my report via phone rep. over 3 weeks ago since I am not given access online with any credit report.com that allows viewing. I still have not had my request fulfilled. XXXX is not VERIFYING what is being reported and this is extortion and defamation of character. It has come to my attention that my XXXX is being used and non affiliated 3rd parties whom I HAVE NOT given written authority to are making malicious accusations on my credit. XXXX is causing my extreme financial hardship, it threatens my housing stability, my peace, violates my consumer rights that protect me from such abuse. My identity has been reported as stolen and I asked that my file be blocked and suppressed XX/XX/2023. I have not had 1 communication sent verifying the accounts, inquiries, names and addressing that I believe is still on my credit profile EXPERIAN, AND XXXX. Are also violating me the same way. I want to see verification done and sent to me by the CRA 's, if not verification is found I want it deleted.
Consumer complaint received 2021-04-25
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: Professional Recovery Management (TN)

I have attempted to resolve the debt with Fox Collections, I am disputing the debt because my XXXX XXXX should have covered the amount owed, the original creditor never filed this insurance claim to receive their payment I am also filing complaint as to why Fox Collections would note my credit report as Medical Collections, I believe this is a HIPPA Violation and notating Medical can cause another creditor not to accept my application or discriminated
Consumer complaint received 2021-09-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

heY so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (MD)

After Acima Credit falsely offered credit on behalf of XXXX XXXX  when they are actually a Rent to own business, I voluntarily, returned the Sofa. I made 1 payment and returned the product. The store informed me that they would pick up the sofa. On XX/XX/20 XXXX XXXX came and picked up the sofa. Animal credit received notification of this from the store XXXX XXXX. ACima credit continued to take payment until I filed a complaint with my Bank/XXXX XXXX to stop the automatic debit since I no longer had the product.
Consumer complaint received 2021-04-25
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. (OH)

XX/XX/2020 I completed a CFPB report against XXXX for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from XXXX the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays XXXX has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for XXXX 's reference.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

I dont have access to all the dates as I closed my account with Wells Fargo due to losing my job and having a negative balance. I gave them a date when I would get my first check to pay it and bring the balance to even and they closed it the day before that date. Not working with me even though I was a customer for a lot of years. However, that is not the issue. Just a complaint I have and now I dont think I have access to the dates and countless phone calls and unfair XXXX $ fees that I had to pay them over the years. They would show my balance as positive and every transaction I made on a Friday thru Sunday they wouldnt post until Monday and I would sometimes have 4 or 5 {$35.00} dollar charges at one time. I couldnt catch up. I called and countless phone calls how it wasnt fair and sometimes they would erase one to keep my business. They knew it was sneaky and never did the right thing. Took advantage of a paycheck to paycheck customer
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Titan Revenue Solutions (AZ)

We belong to a racing association that had a block of rooms back inXX/XX/2018. These rooms were limited so I called months prior and wanted to reserve rooms early before they were booked. When I called I spoke with someone in Sales and they faxed me a " request form ''. I faxed it back immediately and called to confirm if they had received this. I never spoke to anyone I had to leave a message. I called back numerous times and never spoke to anyone, I always left a voice mail with no return call. The day prior to the race I believe on XX/XX/2018. I called again and left a message stating I have not heard from anyone on the confirmation of my rooms and that I had to make a reservation at a different hotel as when I called the front desk for a regular reservations I was told the hotel was completely booked so I went elsewhere. The next day about XXXX XXXX as we were driving to our event, I finally received a phone call and was told my reservation was accepted. I told them I did not need the rooms as I never heard back from anyone even after weeks of trying to confirm my reservation with no success. I was told I could not cancel as it was after the XXXX XXXX cut off for cancellations. I explained my situation and I was told " to bad '' it was after XXXX XXXX  I never knew this went into collections until last month it showed up on my credit report. I have called the hotel to speak with the hotel reservation manager and have left two messages and AGAIN with no call back so far.
Consumer complaint received 2018-05-15
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. (GA)

I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$470.00} Last reported XX/XX/2018 Equifax XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My original servicing agent XXXX when bankrupt and ceased servicing my mortgage on XX/XX/19/ Loancare LLC ( " Loancare '' )  was the successor servicer assigned to my account. Two payments were made to Loancare XX/XX/XXXX and XX/XX/19. Loancare was promptly contacted and wanted proof of payment which they had previously acknowledged receipt of via email. They verbally agreed to refund the duplicate payment upon receipt of confirmation of payment which they had already acknowledged receipt of via email. Upon receipt of my proof of payment they allegedly will send me my refund after a three day processing time.
Consumer complaint received 2020-10-20
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-09-17
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. (GA)

XXXX XXXX XXXX XXXX XXXX is reporting multiple inaccuracies to Equifax. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. XXXX never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


Equifax continues to allow them to report multiple inaccuracies without proper investigations. Equifax is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

I purchased a money order in XXXX of 2020 the money order was lost .i made a request on there form for a refund .i payed the required 30 fee for lost mo.they claimed there was a error in my submission .and they would require additional info .weeks later nothing now I cant even get thru to speak to a rep seems like they made it so I cant get past the Automated service my name is XXXX XXXX of XXXX XXXX XXXX XXXX ny XXXX the amount of the mo is XXXX dollars the company is western union
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.