davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-08-24
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: CITIBANK, N.A. (GA)

I found a complaint stating that the merchandise received wasn't what paid for and also noted that I was promised a refund. XXXX then sent information saying the item was delivered to CITI Bank and I noted that this isn't what I was disputed I had ordered glasses and received broken glass. CITI told me that there was nothing they can do since the tracking showed it was delivered then I stated and provided proof that I was promised a refund which is another way to dispute the transaction. CITI stated that XXXX said I did recieve the refund but that it didn't go back to my card and asked had I received it another way ; I replyed stating that the notice showed that it was suppose to go back to my orginal form of payment. CITI Replied on XX/XX/2018 that there was nothing that they could do about XXXX stealing my funds. I was told I could only file a damage dispute after the dispute closed but when it closed on XX/XX/2018 I was told I had 60 days to file the damage dispute.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MD)

We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the " XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. 

This seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NC)

This morning at XXXX on XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP was added with an open date of XX/XX/2018. On XX/XX/2018 i received the same notification on my XXXX   credit report, upon receiving this notification i immediately contacted XXXX  and CFPB to dispute this Debt collection that did not belong to me and it was removed and deleted by Credit Management LP on XX/XX/2018 ****Copy of previous dispute on XXXX This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees. 

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Consumer complaint received 2018-08-23
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: JPMORGAN CHASE & CO. (GA)

Repeatedly for several years, CHASE BANK has made UNAUTHORIZED, UNSOLICITED HARD INQUIRIES INTO CREDIT BUREAUS, ESPECIALLY XXXX. 
Most recent dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Have tried freezes, but the instant I lift them, CHASE hits me AGAIN!?! As a senior struggling to get by solely on Social Security, these dire negative hits to credit scores is hurting my chances at procuring senior rental housing & necessary automobiles. PLUS : inflated interest rates & painfully larger deposits. I called Chase the summer of XXXX to STOP, but to no avail. My powerlessness over the situation is severely exacerbating XXXX, one of my XXXX. I have NO charge cards, have not had one in the last 20 years and DO NOT WANT ONE.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (OH)

I'm a supervisor with XXXX XXXX XXXX 's customer service contact center. We are getting calls from Allied Interstate to individual call center representative 's desk phone who is not the person they are looking for and this is a business number. We have advised them several times that the number is incorrect and this is a business and to stop calling. However they continue to call which is affecting our business negatively. The numbers they are calling from are as follows. 
XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX Other dates called XX/XX/2018, XX/XX/2018
Consumer complaint received 2022-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

While in the process of Refinancing, the payments were on automatic payment transferring from the previous way my mortgage was paid. It was to resume payments from my ACH payment account and set up. JPMChase was on auto pay. Somehow the first payment did not take but the rest did. I am never late on paying my mortgage or any bills. They are all set to pay out at least 3 to 10 days prior to due dates.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

I was told I was pre approved to refinance my vehicle through Credit Karma 's third party lenders. I filled out multiple applications and received hard inquiries just to be rejected and turned away multiple times. As well as being told I was pre approved with a certain amount each month for a vehicle through Credit Karma 's third party dealership XXXX in XXXX. I filled out the application for the vehicle and was told it was approved but not for the amount the advertisement said, and then found out that the vehicle wasn't even available once I traveled to the actual dealership. Which left me with another few hard inquiries and a drop in my score.
Consumer complaint received 2018-08-24
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. (IL)

I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Consumer complaint received 2018-08-24
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. (TN)

I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX ). 

Thank you for all your help with this.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I contracted Equifax, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX   EQUIFAX AND XXXX. I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and Equifax if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or Equifax of the dispute. Equifax is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

The interest rate is 844.8 % I was advised that in the state of New Jersey in which i live, that is illegal, they can only charge 30 % yearly. An {$800.00} loan is going to cost me {$3000.00}. Now don't get me wrong I want to pay my debts but at a fair and reasonable rate. Amplify states that i have to follow tribal laws but i am not a tribesman nor do i live on a reservation. If they are going to sell a product to someone in New Jersey than New Jersey laws need to be followed not their own. I am discontinued payment until a reasonable rate/agreement can be made. I have revoked the ach authorization and expect amplify to honor my wishes and request as stated in the email they sent me telling me they would.

Confirmation from amplify Good morning, This email is to communicate that I have documented and applied your ACH revocation to your account. Amplify Funding does not accept debit/credit cards, so your other payment option would be to mail your payments in or authorize a one-time ACH payment over the phone. Please keep in mind that mail-in payments do take a little bit longer to process and post to your account so please try to mail in a few days prior to your due date to avoid the possibility of late fees being added to your account. 



Although your payments are not scheduled to run through your bank account anymore, they are still due. Your next payment is due on XX/XX/2018 for {$240.00}. Please let me know if there is anything else I can help you with. 





Thank you, XXXX XXXX XXXX XXXX Amplify Funding P.O. Box XXXX XXXX XXXX XXXX WI., XXXX ( XXXX ) XXXX XXXX From : Sent : Thursday, XX/XX/2018 XXXX AM To : Customer Service Subject : Ach revoke Please discontinue ach debits from my bank account. Enable online payments so i can pay online. 



Send email confirmation that you have done so. 



Thanks in advance,
Consumer complaint received 2022-08-01
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 2018-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CO)

I had arranged to have a transaction with a person for some concert tickets. After texting and receiving a screenshot of the tickets to be transferred, I initiated a payment ( {$160.00} ) through XXXX. The person never sent the tickets and is now not responding to my attempts at contact. I contacted my bank, PNC, to see if this transaction could be disputed before it even cleared and was told that this is not possible. I was told that I should just request the money back from the person, which I have done, but them following through on this seems unlikely. I was surprised to find out that PNC offers no sort of protection for its customers in events like this.
Consumer complaint received 2022-08-01
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a regular consumer credit card with Citibank online a little over a week ago. Yesterday, I got a letter stating that there were still some items of verification that needed to be established before they could come to a decision. The letter provided me with the phone number I could call to enable them to do just that. Today, I called that number and was put on hold several times. Each time they had a question about me, my personal identity information, such as address, phone number, and such, I was easily able to provide it. But, none of my answers seemed to be enough, so I asked to talk to a supervisor. Then, I was cut off, and I called back. Again, I was unable to resolve the situation talking to the agent and I asked again to talk to their supervisor. It seems that the whole problem centers around the fact that I moved addresses a couple of months ago and had to get a new primary phone number. Although I explained all that and told them what my old number was, the supervisor at Citibank, who identified herself as XXXX in South Dakota, stated that she was unable to approve my application, but would not be specific as to why. I am who I am and was able and willing to answer any and all questions they had, and my credit rating is in the 800s, yet I was declined! And, XXXX refused to provide me with any specific reasons as to why.
Consumer complaint received 2022-08-01
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.
Consumer complaint received 2022-10-24
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 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 a 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 purpose. 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 2022-05-14
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. (GA)

I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, XXXX, and Equifax all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.
Consumer complaint received 2022-10-24
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: Credit Karma (MS)

I was told by Credit Krama that I was pre approved for a personal loan. After all the repeated guarantee approvals I applied. The company they sent me to XXXX XXXX XXXX turned me down for the original approval and offered me a small amount which really didn't help my situation. I took the loan at that point because they had ran my information already and it had affected my score plus 2 hard inquiry on my credit report. Now this loan company has some kind of block on my credit to where no other lender can get my information. Credit Krama has recently sent me an offer for {$13000.00} with the same loan company. I called to just verify and was told they would have to run my credit again to see if I even qualify for the loan that credit Krama guarantees. Something need to be done about this. They damaged my credit with these false misleading quotes.