davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done
Consumer complaint received 2022-01-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

My name was fraudulently forged on a quit claim deed dated XX/XX/XXXX at XXXX. My ex-husband wife XXXX XXXX forged my name giving up my interest in the property. I did not sign the document at all. I had the property in bankruptcy that was filed in XXXX to save the property. I have texts showing that I was negotiating with my ex-husband in XX/XX/XXXX trying to come up with an agreement to sell property. The mortgage company excepted the payoff without verifying all the information making sure it was not forged. I have filed a police report. Even on the document that was forged an address that was used for me I never resided at the address. The address used was an old former address of XXXX XXXX XXXX and 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
Consumer complaint received 2018-03-10
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I filed dispute with Experian and XXXX that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX  deleted the account.
Consumer complaint received 2018-04-02
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (TX)

To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent to me.
Consumer complaint received 2022-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

To Whom It May Concern, I withdrew {$300.00} on XXXX  XX/XX/22 from a bank of America ATM but was only given {$100.00}. I called into the Bank of America dispute hotline and filed a claim however it was denied without any proof that the claim was looked into. I don't see myself as a liar and just want the bank to be truthful about technical difficulties on their end as this ATM error is one many consumers face.
Consumer complaint received 2022-06-09
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. (TX)

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 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 2022-01-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (AZ)

I have bought {$500.00} Vanilla Visa Gift Card from XXXX grocery store on XXXX XX/XX/2022 at XXXX pm. Card was approved at the XXXX and I got the receipt with approval/Auth. When I tried to use the card for making payment at Car repair shop it does not work and it was very humiliating for me. When I tried to check the balance on vanilla gift card website it was showing system error. After that I have tried to check the balance using the phone XXXX and the automated message told that there is some issue with Card and then talked to the customer care and share the card details but they are not able to resolve the issue. Moreover they are asking with me for more time, I have already made the payment for the card at the XXXX XXXX XXXX and still not able to use it. I hope that Consumer Financial Protection bureau will take proper action against Vanilla Visa Gift card company in this case.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

[ Your company is a debt collector you are violating the FDCPA law in Florida. Debt collectors are not allowed to use unfair practices to collect a debt. Your debt collection agency has Misrepresentations about the debt, including the amount owed and the dates. You are not the original creditor and I have requested verification of your debt from companies or law firms collecting debts on behalf of creditors or for debts that have been purchased from original creditors. i AM UNSURE ON HOW YOU HAVE MY SOCIAL SECURITY NUMBER and the fact that you have been reporting negatively on my credit report is illegal. Do I need to file a Consumer Financial Protection Bureau and file suit against your debt collecting agency if so i will have attorney do so if you refuse to remove yourselves from my credit reports. The proof that payment was made was already submitted I HAVE PROOF YOU ALREADY REMOVED YOURSELVED FROM MY EXPERIOAN CREDIT REPORT NOW REMOVE yourself from my other credit reports or I will have my attorney file a lawsuit and set a hearing date.
Consumer complaint received 2022-05-02
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, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX and # XXXX, 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (MI)

EQUIFAX, XXXX and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. EQUIFAX, XXXX and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow EQUIFAX, XXXX and XXXX to report any information and Consumer did not authorize anyone employed at EQUIFAX, XXXX and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at EQUIFAX, XXXX and XXXX and have been railroaded by EQUIFAX, XXXX and XXXX to ignore my Consumer issues. Under XXXX XXXX XXXX ( XXXX ) Permissible Purposes Consumer no longer want EQUIFAX, XXXX and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. EQUIFAX, XXXX and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. EQUIFAX, XXXX and XXXX has also violated 18 USC 241/242 Deprivation of rights under XXXX of law because after so many attempts to have this information removed.
Consumer complaint received 2022-08-17
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If Capital One made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Howard L. Stomel, A Professional Corporation    AKA  Law Offices of  Howard L. Stomel (TX)

On XX/XX/2017 I received a letter from Howard Stomel Attorney at Law reference a XXXX XXXX Credit Card account. This letter indicated an amount that was not correct, and I am disputing this amount with this attorney. I have tried to correct this amount in the past with the original creditor, with no success. The total amount owed is only {$13000.00}. Mr XXXX is advocating along with XXXX XXXX that I owe double that, when a settlement agreement was reached for only 50 % of the original debt amount.
Consumer complaint received 2020-01-28
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. (TX)

I submitted a credit validation letters to TransUnion and XXXX  to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that TransUnion and XXXX  has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on TransUnion XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX  Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by PayPal for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use PayPal nor do I have one that I set up. I have mailed and email the executives for XXXX  and following up with PayPal now. 

This charge was fraudulent and not authorized by me. There are a ton of complaints about the same issue and paypal fraud online. 

Thanks Charges below on XX/XX/18 to paypal. 
{$1000.00} {$850.00} {$28.00}
Consumer complaint received 2018-02-20
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: EQUIFAX, INC. (FL)

My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX  Equifax and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge XXXX   XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Consumer complaint received 2018-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

I went to XXXX, XXXX XXXX XXXX in XXXX, CA ( XX/XX/2017 ) and they charged me {$2200.00} including a tooth brush. They gave me a loan for that amount to be paid monthly with no interest. I returned the tooth brush the next day and requested to be offset against loan which has never happened as of yet. 

Care Credit, the loaner, have been billing me for minimum amounts of {$55.00} to {$67.00} per month and I've been regularly paying them. Now they have put a {$610.00} interest on loan and claiming I have 12 months without interest. Original loan balance is {$1400.00} I was billed incorrectly by care credit, monthly bills should have been XXXX of loan amount. 
I was never made aware of 1 year promotion, neither by clinic nor by care credit. 
I was never notified of upcoming interest charges in advance and prior to the time being due. 

Care Credit claimed minimum billing policy is not in accordance to loan but to keep the account going, so they do it intentionally to bait customers to pay interest after 12 months without any kind of notifications.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I have contacted this company numerious times now and I feel like they are ignoring the issue and because there was no legitmate reason for closing the account after opening it, I feel think this was a case of discrimination. I have researched all the details of the opening of the account with all three credit bureau 's. I have made two complaints and provided facts and letters from the company itself that supported the reason for the drop in my credit and the opening of the account. I have contacted the credit bureau 's in effort to find out why they would do something like this to me, to find out that there is no reason for them to do this and I have talked to the ( XXXX ) XXXX  who has provided me with no information nor update nor concern for the complete devistation this has caused me. My daughter is getting married next month and I can not use my credit now because of this complete lack of consideration and care from this company. The day I tried to use the XXXX XXXX  card that was issued to me by Chase and it declined I called in and a manager looked up my account and asked me my name. He called me XXXX  like the vice president uses and he told me to please hold while he looked into the account. I believe he put notes on the account that day and he is the reason that this all happened. He then transfered me to a line that never picked up. I went on to days of being put on hold and transfered and given bad information and finally a young girl told me that there were notes on my account saying that they ( chase ) did not want a relationship with me. I had never received a letter stating such! I think he did not like XXXX XXXX and he put that there. I don't know what Chase is doing but they have runined my credit and I spent from XXXX on a program where I spent XXXX a month monitoring and bugeting and watching my credit so I could use it to better my life. They had no right to do this! According to XXXX JPMB Card Checked my credit XXXX  times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they closed a credit line dropping my credit a total of XXXX XXXX. That is just one XXXX.
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: United Collection Bureau, Inc. (LA)

Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collectionsXXXX
Consumer complaint received 2023-04-09
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. (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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX Account # XXXX, XXXX XXXX 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 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.