davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (IL)

I have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this account.
Consumer complaint received 2022-06-09
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I have been charged XXXX insufficient fees. Per their website, all of the transactions do not qualify for an insufficient fee. If something has changed, then they need to update their website ASAP. I will be getting money in my account by tomorrow morning to cover the negative balance. When people go below their balance, that means they are struggling financially. I oppose charging customers repeated fees punishing them for life circumstances out of their control. They are making it harder for me to catch my breath and get up to speed on my bills. I want the fees waived ASAP.
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: Consumer Adjustment Company Incorporated (PA)

In accordance with the Fair Credit Reporting act Consumer ADJ CO 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 2022-02-19
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. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the XXXX XXXX XXXX XXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$6000.00}
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2022 Comenity Bank stated that I authorized them to electronically debit my bank account to pay the {$280.00} bill I owed to my XXXX 's Credit Card Account. I do not have a XXXX 's Credit Card Account, in fact I do not have any account for Anyone to debit any funds from!!! I contacted Comenity Bank by Email concerning these two fraudulent accounts involved here and explained that I have not opened any of these accounts and told them to freeze these accounts and investigate them because these accounts are an act of identity theft and/or fraud. 
The Email I got back from XXXX XXXX with Comenity Bank pretty much stated that they are not freezing these accounts or closing them or investigating anything even after they have been reported!!!
Consumer complaint received 2022-04-25
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 report act XXXX XXXX XXXX account number 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This started in mid XXXX, XXXX. I received a legitimate email from my credit-monitoring company that a credit report was requested. In short, someone was trying on XXXX occasions to open a credit card in my name. Two involved Bank of America and the other XXXX XXXX. So far, no card was actually opened but a new credit card was delivered by US mail to my home address. Luckily, I caught it, notified the bank and destroyed the card. All three credit-monitoring companies ( XXXX, XXXX & XXXX XXXX XXXX have been notified plus I filed a police report with my hometown P.D. in NJ. I want to be sure I am covering all bases. I contacted social security because I receive monthly benefits ( I'm XXXX XXXX XXXX and retired ).
Consumer complaint received 2022-08-01
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 Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-27
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. (GA)

In accordance with the Fair Credit Reporting Act, the following creditors ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) have violated my rights under 15 USC 1681 section 602 : states I have the right to privacy.

15 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit XXXXplan as late for any purpose.
Consumer complaint received 2022-04-25
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 report act XXXX XXXX XXXX account number 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 2019-12-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hello, I have a collection notated on my credit report from XXXX XXXX XXXX   XXXX on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and Equifax have failed to investigate my dispute which was submitted through XXXX  XXXX.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MI)

True Accord has infringed upon my rights to privacy and has been using harassing tactics to coerce me into paying an alleged debt. True Accord has violated my federally protected rights under the Fair Debt Collection Practice Act writing me more then 50 emails from XXXX XXXX using obscene and propane. They are contacting me during work hours which is also a violation of the FDCPA. This debt is not mine and I all communication from this debt collector to stop.
Consumer complaint received 2021-11-15
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ACIMA CREDIT, LLC (NY)

ACIMA credit is a scammer. They will approved you and whatever credit available you have left they will make you pay it even you dont use it. They charge XXXX dollars fee if you pay EARLY. They stop taking money out you account when you about to end your contract you will pay 4 times extra. They manipulate their app and payments, and amounts does not reflect correct. This is program of financing is Predatory in every bit of the word. Its said to help those who are unable to finance by going through them for your purchases. They completely rope you in and make you pay the full lease even if you didnt use it all. When you call to speak representative, they will tell you that in other to help you will have to pay first. THEY add quarantine to your lease with out your permission if you tried to use the quarantine, they will not let you use it. They have their employees writing positive reviews, so they continue they ARE SCAMMING SCCAMMING SCAMMING SCAMMINGS SCAMMING
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. (SC)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
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. (IA)

In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A 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
Consumer complaint received 2020-08-07
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: PRESTIGE FINANCIAL SERVICES INC (MD)

I have a loan with XXXX, XXXX, and PRESTIGE FNL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and PRESTIGE FNL with no successful resolution. There was definitely an error on their part.
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: Westlake Services, LLC (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 : WILSHIRE CONSUMER CRED XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA. I DID NOT LEGALLY SIGN CONSENT FOR YOU, XXXX XXXX OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR ..You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/XXXX my card was charged {$600.00} ( XXXX transactions of {$100.00} each ) at an Ohio lottery machine at XXXX on XXXX XXXX XXXX XXXX XXXX Ohio XXXX and then {$76.00} at a XXXX  gas station. I realized This error on XX/XX/XXXX i immediately reached out to my bank ( chime ) via phone at approximately XXXX to dispute my charges. My dispute was denied at XXXX am XX/XX/XXXX due to them not seeing an error has occurred. I called in again and was Instructed by team member XXXX on XX/XX/XXXX to request my claim be reopened pending my evidence being submitted stating i was Physically at work when the charges were being made along with a police report. Ive submitted both forms and my claim was denied again on XX/XX/XXXX with reasoning that they still see no error occurred due to me paying my bill of XXXX to XXXX XXXX XXXX is being the same spending activity as buying {$600.00} in lottery tickets which is not correct.
Consumer complaint received 2021-11-15
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. (NY)

My name is XXXX XXXX, a consumer/natural person I am sending in this complaint on behalf of myself, there is no third party involved. I reviewed my credit report and found unauthorized inquires. I did not give written consent for these items to be furnished on my report or for the lenders to access my report.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (WA)

XXXX XXXX ( U.S. Bank ) Transfer to XXXX : Why isn't the Federal CFPB providing Proper Oversight and Requiring Complete Disclosure of the Transfer of Service & Terms from U.S. Bank to XXXX XXXX??

Why is there Only ONE Disclosure of " New '' XXXX XXXX Credit Card Terms and NO Disclosure of Previous/Existing " Old '' U.S. Bank Terms & Fees ? 
So Consumers can Quickly and Simply Understand the DIFFERENCES in APR %, APR Balance Transfer, APR Cash Advances, Paying Interest ( i.e. Due Date Billing Cycle ), Fees ( Annual, Transaction Fees [ Cash Advance & Balance Transfer ] and PENALTY FEES ( Late Payment and/or " Surrender Fees '' ( If consumer quits or drops Credit Card Service in 12 months or less? ) from the OLD ( XXXX XXXX " U.S.Bank '' ) to the NEW ( XXXX XXXX " XXXX XXXX '' ) and DISPLAY/Print the DIFFERENCE ( Increase or Decrease ) in APR Rates, Billing Cycle Days and Fees.

Like the Mortgage Industry is required to follow TILA " Truth In Lending Agreement '' rules and full transparent disclosure of terms... WHY Isn't there a FULL DISCLOSURE REQUIREMENT COMPARISON REQUIRED with a Simple COMPARISON CHART provided that shows the CHANGES in Important Terms so Consumers can make an EDUCATED DECISION on if they wish to Continue with the " New '' XXXX XXXX XXXX Terms or Decline and Seek Another Credit Card. 

As it stands... XXXX XXXX XXXX in a " Heavy Handed Approach '' IMO is PUSHING People to take Action " Action Required '' by XX/XX/2022 WITHOUT FULLY EXPLAINING THE DIFFERENCES from PREVIOUS RATES, TERMS & FEES To FUTURE RATES, TERMS & FEES... 

It is CLEAR that this is PURPOSEFUL OMISSION OF CRITICAL FACTS " Half Truths '' that are Presented to Consumers so Credit Card Companies Do Not Loose Customers. 
It is Not At All Unreasonable to Make Such a Request and the " cfpb '' ( consumer financial protection bureau ) should be at the forefront to ENFORCE this Standard Full Disclosure and Transparency Requirement ( Much Like the Mortgage Industry TILA as stated above ). 

The Current XXXX XXXX XXXX XXXX from " U.S. Bank '' to " XXXX XXXX '' SHOULD BE HALTED by the CFPB until FULL DISCLOSURE OF TERMS COMPARISON DIFFERENCES ( In Simple Chart/SpreadSheet Form ) is presented to the Current Customer Base!! This should be a XXXX XXXX to Provide " Comparison Data '' for ALL Credit Card Service Transfers between Companies or Subsidiary Companies. 

I am amazed that this [ SIMPLE Terms XXXX XXXX XXXX ] has not been thought of before... or it has been suggested and " repressed '' for long forgotten reasons... In Short ... AS THE PROCESS NOW STANDS... IT IS ONE SIDED MISREPRESENTATION and NON-TRANSPARENT Disclosure of the Current Transfer Process with a " Heavy, High-Pressure Approach '' to get Consumers to Commit to " Action Required '' by XX/XX/XXXX to New Credit Card Terms without Proper Explanation of " AS IS TERMS '' And " TO BE TERMS ''!
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I called into the branch on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, il XXXX, several times and had to deal with the unprofessional nasty branch manager. I called two weeks ago to inform her that I attempted to open an account online and that I was advised I needed to go into the branch to provide the documents. When I called and informed the lady she said she would call me back and never did. I called again last week and spoke to a lady and asked to speak to the branch manager since I had called and already had an issue with someone who supposedly was going to call me back and never did ; the lady on the phone told me the branch manager was helping another customer. I then asked her well what is the branch managers name, she then changed her dialogued and told me that she was the branch manager and that she was busy and hung up the phone on me. I was beyond XXXX off at this point of how nasty and rude this lady was especially to try to manipulate me into thinking she was someone else on the phone by referring to herself in the third person. I called the bank 's customer service department and talked to a pompous guy named XXXX. I explained to him the whole situation and that I wanted to put in a formal complaint against the branch manager he claimed that he had completed the complaint but that he wanted to try to reach out to the bank directly and see if he could reach the branch manager. He disconnected the call and no one from this bank has tried to resolve or contact me regarding this matter nor was the complaint ever filed.