davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (ND)

My husband 's business card was stolen and so he had to use our chase XXXX card to make payment on XX/XX/XXXX for {$500.00} and then again on XX/XX/XXXX for {$5100.00}. We had n't used our XXXX card for several years prior to this. My husband received his new business card and frankly forgot about the two charges he made on the XXXX card and never used it again. We received no statements from chase XXXX for the charges he made. On XX/XX/XXXX I received a call that our account was several months past due. I had no clue of the charges and thought perhaps they were fraud because they were on a card we never used but I recognized one of the merchant names and said I would talk to my husband and get back to them. My husband confirmed the charges and I called back and said they were ours and I paid them that day. However I did n't feel that the {$320.00} in fees and finance charges was fair because we had n't ever gotten a statement. The customer service rep told me they were being sent electronically to email address XXXXXXXXXXXX which was an old email address that I had no choice in closing several years prior. Also I never requested them to be sent to me electronically I have statemebte sent to our physical address. I asked why statements were n't sent through postal after a couple of months of non- payment because they had my physical address and I was told they do n't do that. How about a phone call I asked because if you look at the history on my account for the seven years we used it, it was paid in full and by the due date every month. She said they do n't do that either. She was willing to remove three late fees but would n't remove any more fees. I do n't feel that it is fair to have my husband 's and my credit ruined because we did n't receive notice for over four months that our account was outstanding. We had a current physical address and phone number on file and should have been contacted prior to $ 300+ in fees accumulating on our account.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Account was settled on XX/XX/2024 requested a letter on XX/XX/2024 to have it removed from all three credit report bureaus via email, No response from XXXX. Account still reflects on credit report.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the XXXX XXXX XXXX for causing to disclose customer information of a financial institution relating to consumers.
Consumer complaint received 2021-09-14
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. (AK)

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX  XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY 4 KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX ( XXXX ). These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (MI)

Ameritech Financial stated that they could help me with lowering my monthly payment with the federal loan agency, that I would still have my payments counted under the loan forgiveness plan and they would be happy to take care of the communication with them directly to process everything. It sounded like they had a great partnership working with one another to help hard working Americans help pay off their student loan debt a little more easily. I made 6 months of payments to Ameritech and none of those payments went to my federal loans nor was the 6 months count towards my loan forgiveness plan. Something told me to check with the federal student loan agency directly and that is when I learned that they were not getting any payments nor were those payments being counted for loan forgiveness.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This XXXX never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the XXXX XXXX XXXX for causing to disclose customer information of a XXXX XXXX relating to consumers.
Consumer complaint received 2020-07-21
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. (FL)

I have asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
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: AES/PHEAA (MI)

" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

.

1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication.

is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. 

Notice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and XXXX has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation
Consumer complaint received 2020-07-21
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. (NY)

To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my TransUnion, XXXX  and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX   which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.
Consumer complaint received 2022-09-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NO XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Original creditor : CITY OF XXXX XXXX Balance : {$2000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXL Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX AUTO Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I was a victim of identity theft, which someone hacked into my computer network and stole my personal information and opened up fraudulent accounts and created inquiries on my credit report with XXXX. In addition, I tried to dispute it with XXXX twice and they refused to remove these fraudulent items, which includes two collections accounts and five inquiries. I am asking you all to have XXXX  remove these fraudulent items off of my credit report.The Collection accounts include : Lanier Collection Agency, with a balance of {$480.00}. and another collection from Lanier Collection Agency, with a balance of {$92.00}. The inquiries include : XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX. Please remove from my credit file immediately, due to fraud. Also, I have a police report, FTC Report, and a affidavit.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account from my credit report.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (OH)

Chase has decided to reduce my credit limit on two of my credit cards with them. This has now caused my available balance to show 95 % whereas prior I still had $ XXXX in available credit. This will cause my credit to tank while I am trying to refinance my house in order to take advantage of the lower rates and pay off the higher interest rate credit cards ( specifically Chase ). I dont see how they can ethically do something like this, especially during times like these. 

I pay at least the minimum due on the due date.
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On my reports there is a closed account with missed payments. CAPITAL ONE BANK USA NA XXXX. I paid this account and do not owe anything, but the mark in the report prevents me from achieving the desired results. I am kindly requesting your company to remove this account from my credit report.
Consumer complaint received 2020-07-21
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-21
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-07-03
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 have disputed through Equifax the following account because the account is past the 4 year statute of limitations by PA law for collecting medical debt. A comment was added to my account, but it was not removed and I continue to receive calls and mail from XXXX XXXX. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX PA Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$240.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$240.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MD)

To Whom It May Concern : I feel that Ally Auto Finanical Bank is weaponizing the late fees and brutally attack my credit report, with no form of ethical stance about the current COVID-19 pandemic. I was charged a late fee of {$65.00}, I called and emailed them on multiple occasions to have them remove the fees, they said no. I also called to have them reduced their APR of 17.59 %, with Finance Charges YTD of {$860.00}, by asking them for a refinance, they said no as well. Now, correct me if I am wrong, I think this pattern of behavior is unethical.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF EDUC XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} NATIONAL CREDIT ADJUST XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.