davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (VA)

I received a bill from Chase in XXXX, XXXX, with a credit card obviously opened in my name. I called their fraud report line and reported the card was opened without my knowledge. The charges were in excess of {$14000.00}. I was informed the card was closed and an investigation was underway. I have filed an FTC report ( XX/XX/XXXX FTC : REF # XXXX ) as well as a local police report ( XX/XX/XXXX ) via XXXX XXXX VA. I have continued to receive bills from Chase and continue to call the company to let inform them that I was not involved in opening up the credit card. 

I received a follow-up from Chase dated XX/XX/XXXX stating that they have cofirmed the account is valid and was not opened based on a fraudulent application. 

I have forwarded the FTC report as well as the police report to the XXXX contact email that I was provided via my last phone call on XX/XX/XXXX. I have attached a copy of the police report.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

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
Consumer complaint received 2022-03-29
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. (RI)

n accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 u.s.c., 1681 section 602A. States I have the right to privacy 15 u.s.c., 1681 Section 604A. A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates that has been EMAILED with this information are well over 21 days BEFORE my payment due sate which is the XXXX of every month so in which none of my payments should be counted as late. This is the law i did not just make this up.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I WAS ON THE PHONE WITH XXXX # XXXX AT THE TRANSUNION LLC HE WAS THE 4TH PERSON I WAS TALKING TO AND HE INFORM ME THAT I CAN NEVER EVER GET MY CREDIT REPORT ONLINE, HE ALSO INFORMED ME THAT I WILL NEVER EVER GET MY CREDIT REPORT ONLINE AND I PURCHASED THE SERVICES AND I AM NOT SURE IF I GOT A CREDIT BACK ON MY VISA. I DO NOT KNOW WHAT TO DO BUT SUE THEM FOR I HAVE SUFFERED GREATLY AND THIS IS AN OUTRAGE AND I WANT TO BE SETTLED BY COURT ACTION ...
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

For three days I have been trying to get connected to XXXX to place a credit freeze. Their web site for this specific action does not load and their telephone numbers provided on the web sites go to automative systems that go dead when you get to freeze options. Tried to get to an operator by finding a brick and mother location and phone number. This just results in them sending be to a special services line ... .where I have been on hold yesterday for 1.5 hours ; and today I gave up after 20 minutes.
This feels like they want to prevent folks from putting on credit freezes. Note I have had no trouble with XXXX or XXXX. If it is not a strategy, then I question their business model and ability to effectively manage information on me ( for which I have had no choice ). Now I will write my congresswoman and senators.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

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 2020-10-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (SC)

I contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply me with an agreement between myself and creditor and they have failed to do so and i do not owe the bill.
Consumer complaint received 2023-01-12
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX
Consumer complaint received 2023-01-12
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. (PA)

tried disputing/fixing with the company directly numerous times. 
never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ). 
violation of my right to privacy.
Consumer complaint received 2021-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit has repeated attempts to send me letters that has nothing to do with me. They have repeated broke 15 usc 1692b, 15 usc 1692 f, 15 usc 1692 e, including other violations. They have even made claims that I made payments to them and have plans set up and I have never talk with them and they never respond to my letters.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was unable to access my account on 3/27 when I attempted to freeze my credit and reached out to TransUnion to resolve my problem. The first call they moved me to a messaging service, which looped me back to their password recovery service online. I had already used the recovery service and it had failed to work. I tried it again and it failed again. 

I called the number again and was eventually connected with an agent. They collected all my information and verified my account and then said they were unable to resolve my issue and I had to call another number. Fine, I call that other number and it turns out to be the exact same line. Same call menu. I get routed to an agent again and explained my situation. I asked if they could resolve my problem or if they were the escalation team. That agent hung up on me. Im unable to access my account, or recover my password, or freeze my credit score. Though I was scammed today and need to urgently pay are steps to avoid identity theft.
Consumer complaint received 2023-01-12
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)

I, a consumer and natural person, was denied credit by XXXX when I applied for Reference Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX due to the response I received. XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX according to law.
Consumer complaint received 2022-08-12
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 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 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated.

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( Equifax, XXXX XXXX ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 
The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

On XX/XX/XXXX, Infiniti Financial, AKA Nissan Motor Acceptance Corporation ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (CA)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (FL)

The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (TX)

I am responding to the company 's response to complaint XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response. Per the company 's response they admitted to placing the account with XXXX XXXX XXXX, XXXX. ( which a law firm ) to further collect debt from me. Per 15 USC 1692e ( 3 ), a debt collector can not be an attorney, so if I was being sued by a debt collector an attorney should not be present. Although they did not garnish my wages, they did seize my bank account for a certain and took the money that was in the account.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALL WESTERN MORTGAGE (CA)

THIS COMPANY DRAINED MY BANK ACCOUNTS. THIS WAS FOR A HOME LOAN PURCHASE THAT NEVER CLOSED. THEY MESSED UP AND ORDERED UNNECESSARY DOCUMENTS AND KEPT CHARGING MY CARD. BASICALLY HAVING ME AUTHORIZE MY DEBIT CARD FOR THEM TO ORDER CERTAIN DOCUMENTS-THEY ORDERED DOCUMENTS THAT WERE IRREVERENT. TTHEY SAID THEY WOULD REFUND ME ONCE THE LOAN CLOSED-WHICH THE LOAN NEVER ENDED UP CLOSING. I HAVE THOUSANDS OF E-MAILS AS PROFF OF THEM SAYING THEY WOULD REFUND ME AT CLOSING, THE REALTOR EVEN ASKING WHY THEY ORDERED THOSE DOCUMENTS. IM SICK OF DISPUTING THIS AND GETTING NOWHERE BECAUSE THEY ARE REFUSING TO GIVE ME MY MONEY. THEY ARE SCAMMERS THEY BASICALLY GET YOUR AUTHORIZATION AND ORDER THROUGH A 3RD PARTY AND SIT BACK WHILE SAYING THAT COMPANY CHARGED YOU NOT US. THIS IS A SCAM. IMMORALLY WRONG.

I WAS CHARGED {$820.00}, {$440.00}, {$450.00} ALL FOR NO REASON. WHY WOULD I GET A LOAN WHEN I HAVE TO PAY OUT OF POCKET? I COULD UNDERSTAND A {$270.00} OUT OF POCKET TO GET HOA QUESTIONNAIRE BUT WHY HAVE THAT COMPANIES EMPLOYEES NOT KNOW WHAT TO ORDER AND DRAIN MY BANK ACCOUNTS THEN NOT EVEN BE ABLE TO CLOSE THE LOAN IN WHICH I END UP PAYING CASH FOR THE HOUSE ANYWAY. ANYONE AND EVERYONE KNOWS IF PAYING CASH ON A HOME YOU GET A BETTER DEAL. THEY PUT ME  IN OVER XXXX DEBT AND STILL REFUSE TO REFUND ME WHATS OWED TO ME SO AT THE VERY LEAST I CAN PURCHASE FURNITURE? THIS IS CRAZY. I HAVE TRIED CONTACTED THEM DIRECTLY- NO LUCK- I TRIED DISPUTING IT WITH MY BANK ( XXXX XXXX XXXX- ONLY FOR  THEM TO WAIT UNTIL THE LAST DAY TO RESPOND TO JUST PROLONG MY DISPUTE AND REJECT IT ) I RE-DISPUTED IT, I CONTACTED XXXX  AND WAS TOLD IM MAKING A COMPLIANT WITH THE WRONG COMPANY ( BASICALLY WITH THE COMPANY THAT THEY HAVE TIES TO TO GET DOCUMENTS ) THE COMPANYS INFO IS : All  Western Mortgage | Branch NMLS # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX https : //allwestern.com NMLS ID XXXX THIS IS NOT RIGHT! NO CONSUMER SHOULD HAVE TO SUFFER ESPECIALLY DURNING THIS TIME.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, 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. (FL)

I have contacted Experian, XXXX and XXXX about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.