davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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: SANTANDER HOLDINGS USA, INC. (GA)

Santander Consumer USA, Account number ( XXXX, Account type : Auto Loan, XXXX XXXX XXXX Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (FL)

Years ago, I closed an account with chase. My password and user id no longer worked. Chase began sending emails soliciting me for credit and monitoring me. The only way to unsubscribe was to open my account and change my preferences, which I could not do since my username and password no longer worked. I finally found a number to call and was promised they would stop. This was about 3 months ago. now the emails have started all over again. There seems to be nothing I can do to stop them. They are also monitoring my credit. I want them to stop monitoring me and stop the emails.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX  with account XXXXXXXX XXXX XXXX and dept of education / 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 2022-10-23
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)

XXXX XXXX XXXX, XXXX ( XXXX ) is not licensed to debt collect in Pennsylvania. I have sent them sever CnD 's however the are still furnishing innaccurate informtion on my report. No such records with my signature have been provided. These accounts were opened fraudelenly and your reporting of this information is fraudulent as well. I was never contacted. Pleae provide proof other than words of how nd when I was contacted, I have disputed this several times. There is no contract between me and XXXX I am going to file an ftc report and contact my lawyers immeditely.
Consumer complaint received 2022-10-23
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. (FL)

The following accounts I have listed below XXXX XXXX  XXXX XXXX XXXX  XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 2022-06-07
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. (NY)

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information that your company supplied to [ EXPERIAN, XXXX, XXXX. I have listed the items I dispute on the This item hard inquires from XXXX  XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - XXXX XXXX XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (GA)

Experian lowered my score by XXXX points for no reason. the other two credit agencies have not done this and my scores still remain the same at over XXXX.
Consumer complaint received 2022-06-27
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), 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 2022-06-07
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. (GA)

In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX XXXX and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX Credit control service Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (NC)

Hi. I contacted Equifax, XXXX, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (AZ)

Used online International wire transfer at Chase Bank to send {$3900.00} on XX/XX/2022. Sent online complaint on XX/XX/XXXX that money was not received, told they would look into XXXX XXXX they replied that busy but working on it. XX/XX/XXXX, they have tried to contact, recall but receiving bank not replying. I should call the bank. I did and they stated they did not receive the funds, and I need to go back to XXXX. I contacted chase and asked them to provide proof of delivery thru XXXX XXXX. At this point, I was told if I want to talk to a person I would have to go to local bank for help as I was not a business customer, so i went to my local bank in XXXXXXXX XXXX  They filed and executive complaint and a person would get back to me. I have received XXXX call backs from this department after going back to the local bank and complaining I did not get a call back. The calls stated they were looking into it but too busy to find out or identify the problem. I again asked for proof of delivery so I could complain to receiving bank but they implied this was proprietary info and not for customer? It is XX/XX/XXXX, they have had my money since XX/XX/XXXX, it has not reached the intended account or bank ( from receiving bank ) and XXXX has provided no information on where the money is? or what I can do to recover the funds.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I have a mortgage with Wells Fargo. Through an affiliated entity they have forced placed insure on my property, where insurance already existed. Unusually onerous is that they're attempting to do it in an arrears type manner. like insure now ( and a crazy price for the policy ) for a period of time in history where there were no losses ( and again, another insurance company would have faced any loss ). This can't be a legit strategy, and I suspect a whole lot of people who are completely living up to the terms of the mortgage by holding insurance become so scared through their dealings with these entities that they cough up and pay. The CFPB needs to put an end to this practice.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Today XX/XX/22 I received a credit card from Capital One. I did not request, apply or order this card or account. 

Capital One can not give me any information about the application, including its nature, form/channel, date, information provided ( including if the applicant used my SSN ). 

I am concerned about identity theft. Despite my requests for more information and further assistance, Capital One refused both requests, saying only that they will 1 ) reject the application and close the account, and 2 ) " investigate and get back to me at some future date. '' I have reviewed my credit reports from the big-3 agencies and found NO hard inquiries from Capital One ( nor anyone because I have not applied for new credit and I froze my credit accounts XXXX months ago to protect against this scenario. 

My questions : 1. Should Capital One open an account in my name without checking my credit AND WITHOUT NOTIFYING ME that they had received an application? 
2. Should Capital One be allowed to refuse to give me any information about this apparent fraud, including information that I could use to protect myself? 

Whether Capital One should treat a XXXX customer this way is another matter beyond your purview.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for a credit card called BoA Cash Rewards from Bank of America ( BOA ) in XX/XX/XXXX, I has been charged for annual fees of XXXX $ per year from XXXX to XXXX ( total XXXX years, total XXXX $ ). 

However, until recently Im informed by the banker that this type of credit card by BOA is free of annual fee. I contact with BOA, the custom service of BOA admits its not right to collect the annual fee, however, they are only willing to waive the annual fee in future ( XXXX ) without returning the previous annual fee. 

References 1 Web site of BoA Cash Rewards now called Bank of America Customized Cash Rewards Credit Card Annual Fee {$0.00} https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/? campaign=4051253~FR~en_US 2 Terms of this credit cardAnnual Fee None https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? campaignid=4051253 & productoffercode=FR & locale=en_US
Consumer complaint received 2022-06-07
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX 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 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (MA)

Discover card increased my interest rate in my latest statement by .25 %. They have done this 3 times in the last 18 months. In XX/XX/2018 I closed my account with a balance so the increases would stop.

I did ask them to reduce the interest rate before closing the account but was denied.

Can they keep increasing on a closed account?
Consumer complaint received 2022-06-07
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. (TN)

The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # 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  was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armcon Corp (CA)

This company reported very little information to XXXX, so I had no idea what this collection was about, this has intentionally hurt my credit score and  attempts to dispute this was ignored by the collection agency. I called and talked with XXXX  XX/XX/2019 and they informed me the company was XXXX XXXX XXXX for XXXX XXXX. I paid XXXX XXXX directly. Not only does the collection agency not provide information to the consumer on the credit report, but they are also reporting this as an open account in retaliation.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MS)

Spring Oaks Capital , LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
Consumer complaint received 2021-07-15
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NM)

I was offered a Comenity Bank XXXX at my local XXXX store. I applied for the card and used the card for my purchase. I received my bill and would like to pay my total balance of {$180.00}. I have tried via their website and via telephone to pay this bill for the last XXXX days. The website says they are having scheduled maintenance so they are unable to process any payments or grant access to my account and when I call there is a recording saying they are having unforeseen technical difficulties and that their offices are temporarily closed. I would like to pay this total balance, before it becomes overdue, then cancel this card because I am suspicious of this credit card company. I want to be done with this credit card company but I cant seem to pay or cancel the card in any way because I can not get through to this company at all either online or by telephone.
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2023-02-21
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 15 USC 1681.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-27
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. (MD)

On XXXX, XXXX. 2022 I asked TransUnion to investigate the below listed accounts for accuracies. On XXXX, XXXX. 2022 TransUnion responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate XXXXXXXX XXXX XXXX XXXX XXXXXXXX See report for inaccuracies XXXX XXXX XXXX XXXX Date opened. Inaccurate Date last activity. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof
Consumer complaint received 2022-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I understand that under HIPAA law I have the right to protect my privacy and medical records from third parties. I have not given permission to XXXX XXXX to release my medical information. This debt has never been validated by me and has violated my rights as a consumer under 45 CFR 150, 162 and 154.