davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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. (FL)

in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (AL)

I was notified by my credit monitoring service that a debt collection was added to my report. This is for a debt owed to an energy/gas company based out XXXX, TX called XXXX XXXX XXXX XXXX I contacted the company who would not speak to me about this without me providing my social security number. I then contacted the debt collection agency, Credit Systems, who then told me I must file a police report and send it to them. I live in a rural area who does not file reports for out of town fraud. A XXXX, TX address is now listed on my credit report as one of my addresses. I have never lived outside of my small area in Alabama and the energy company listed does not provide any services in this area. I do not have any affiliations in Texas. I have never received a phone call or written notification about a debt that is now on my credit report of {$540.00}.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (TX)

hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC report.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (KS)

In XX/XX/ 2022, I received emails about an account being opened in my name with my email address with Chime. I did not open not authorize an account to be opened. I informed chime via email several times that I did not open or authorize this account to be opened. I also demanded that they remove my account and my information and block any related information to my name or me in any manner from their entire system. This conversation and multiple requests achieved nothing except chime continuously refusing to remove my application, account, or personal information from their system.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (AZ)

Requested ELAN FINANCIAL SERVICES cease and desist due to illegal acts on my credit report. Requested validation of binding contract through mail on XX/XX/2022, which has not been provided. ELAN FINANCIAL SERVICES sent a notice through mail on XX/XX/2022 that was disguised as CARDMEMBER SERVICES instead of ELAN FINANCIAL SERVICES. This is a violation of deceit and misleading information.
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

We contact the company and let them know that we have an account for {$9.00} and stop charging us for {$100.00}. 
I disputed it with my bank after XXXX made three attempts to draw the money ( capital one ), I was told by capital one that theres a block is made and for us the change our card. We did that and was informed by capital one the the dispute was resolved and that to notify them of any more problems. In less than 24hrs XXXX  withdrew the money from my account when contact capital one I was transferred from departments to departments. After spoken to someone whom I thought was from the fraud department told me that the block to my card will take two billing circle and that they are not responsible for my card being charged every month for the {$100.00}. I let them know that thats a new card being shipped and is already being billed and its not in our possession. Capital one stated that it out of their control, that XXXX contact master card for our new card number
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # : 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 2022-07-04
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, 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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. (CA)

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 XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account 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 2022-06-09
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 XXXXXXXX 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 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (GA)

I rented an apartment and went I ended my lease XX/XX/2021, I paid everything that was owed. The company XXXX XXXX then reported my account as Paid. Paid as agreed and Closed in XX/XX/2021. A month later a collection agency reported that I did not pay and refuses to remove from my credit. I spoke with XXXX XXXX and they stated that they did report to the credit bureau that I paid everything and my account was closed in good standing and do not know why it is now in their collection department. The collection department has refused to remove and is demanding that I pay this amount again, actually more than what I already paid until they can figure out what happened and who's account this actually belongs to. They are destroying my credit and I need them to remove it immediately. Collection company is XXXX Innovative Recovery Inc.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cawley & Bergmann, LLP (NJ)

I settled a debt with XXXX XXXX bank through a collection agency in XX/XX/2018. I received a collection letter from a new collection agency out of the blue 2 weeks ago. They have no knowledge that this debt was paid or XXXX shows any records of it paid. I am attaching a copy of the original debt, proof of payment and copy of the new collection agency 's letter 5 years later.
Consumer complaint received 2022-06-08
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. (GA)

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

15 U.S.C 1681 Section 604 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 an 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 reason.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I found two online wire transfer which was unauthorized, made on XX/XX/XXXX and XXXX, 2022 total in the amount of {$5300.00} It was taken from my JP Morgan Chase personal checking account. 
I immediately contact the bank, still unable to get my money back
Consumer complaint received 2022-06-08
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. (FL)

I have disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also via phone on XX/XX/XXXX directly with TRANSUNION and they have not been removed. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act 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 section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX reported on XX/XX/21 that they deleted my XXXX  XXXX  account due they could not validate account and deleted my charge off. I have attempted to reach out to the original creditor and credit reporting agencies since last XXXX and XXXX and Equifax still have not deleted account
Consumer complaint received 2022-05-04
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: M&T BANK CORPORATION (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 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 writing 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 purpose.
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (TX)

I voluntarily surrendered the vehicle in XX/XX/2021. 
The XXXX XXXX company still has it up to now XXXX. 
I would like to know when the vehicle will be going to auction so that the delinquency can dealt with.
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act 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 section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I hold the Chase Sapphire Preferred card, which advertises travel delay insurance XXXX XXXX XXXX XXXXchaseXXXXchase-sapphire-XXXX. 

In XXXX, I had a flight delayed due to weather, necessitating an overnight stay, which fulfills the criteria for travel delay insurance. 

Applying for this insurance claim has been a nightmare. Chase outsources this work to a 3rd party company called eclaimsline. The 100+ negative reviews of this company found here ( XXXX XXXX XXXX  ) pretty closely match my experience, which I will try to sum up here : 1. I filed the claim in early XXXX, less than a week after my travel delay incident. 

2. Despite the " 5 business day '' response window advertised by the eclaimsline site, I did not receive any response on my claim by XX/XX/XXXX, so I gave the site a call. Each time I called this organization I have been put on hold for at least 45 minutes before getting through. After I got through, I was told some documents were missing ( a letter from the airline detailing why the flight was delayed, and proof that I bought the flight using my cards OR points from my card ), so I sent these documents in to corroborate my claim. 

3. On XX/XX/XXXX, I was told by eclaimsline in an email the company had reached out to Chase directly to verify that I had bought the flight using Chase credit card points, and that it could help if I reached out to Chase myself to get documentation proving this. I called Chase, and they sent me the same flight receipt that I had already sent to eclaimsline, which does clearly show the number of Chase points I used to purchase the delayed flight. I sent this receipt to eclaimsline again. 

4. On XX/XX/XXXX, I emailed eclaimsline asking about the status of my claim, and was told that the flight receipt I had sent them was for some reason insufficient, and that they were still waiting for confirmation from Chase. I explained that Chase had explained to me that this flight receipt I had already provided was the proper piece of evidence that eclaimsline needed here. On XX/XX/XXXX, eclaimsline told me in an email that they had approved my claim, and that I should keep an eye out for an email telling me how the payment would be processed. 

5. Yesterday, on XX/XX/XXXX, after receiving no word from eclaimsline about payment processing, I called their service line. A customer service representative informed me that my claim had been " un-approved '', as the company still needed evidence from Chase that I had bought the flight ( which I have already provided ). No one informed me of this change - I was still under the impression that my claim was approved up to this date. To me, the behavior of approving and then quietly un-approving this claim is clearly fraudulent, and I have no further recourse but to report my experience to the proper authorities. 

Please let me know if I can provide more detail here.
Consumer complaint received 2022-06-08
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Freedom Mortgage Company (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-06-08
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. (AL)

In accordance with the Fair Credit Reporting act 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 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