davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
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. (PA)

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2022-09-21
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. (NY)

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. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Consumer complaint received 2022-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (CT)

I have tried to work this out with Navy Federal Credit Union to no avail. I consistently make payments on this account to have them canceled by the creditor. The XXXX is in violation of the FCRA. The creditor continues to report a " payoff '' amount to the credit bureaus instead of the actual balance. If all of these issues below are not resolved we will be forced to take legal action against NFCU. Also, I was never told that getting a lower interest rate will extend the life of the loan. 

I contacted XXXX federal regarding a personal loan and some discrepancies on my credit report. This was not rectified after speaking with several individuals. XXXX had been reporting my loan pay off instead of the actual balance to the credit reporting agency which lowered my score. XXXX had engaged in predatory lending. I had XXXX forbearance 's and now the loan jumped from XXXX  months to XXXX months which I did not agree to. I tried to return the loan but XXXX refused so I began sending them money back and never withdrew the money out of the account for the first few months while transferring the money back to them. Also the inability to make payments from external accounts and no reduction in loan amount after paying back XXXX  XXXX dollars, a XXXX worth of payments.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I purchased items 4 wigs online with my pre-paid card - NETSPEND credit card # XXXX in XXXX, 2020. However, I did never get any of my orders from XXXX XXXX. I tried several times to contact XXXX  to report the situation. During, several times, they sent me an email of with wrong tracking number with XXXX and XXXX. After, several months, of going back and front to the post office and XXXX, I was informed that thoe tracking numbers given to me does not exist. 
Again, I started calling XXXX  to notify them about the fraudelent non-existing tracking number given to me. Also to inform XXXX  that I have not yet recieved my orders. It took me about 8 times unsuccessful phone calls to get in touch with this company. I went on their website to complete a form requesting for refund. No response, until several months went by, I finally got response from the company claiming that they have delivered all my orders to me. I tried contacting them, however was unsucessful on 3 attempts. I contacted my bank Netspend to file a claim. 
All of the above informations were explained. I was given claim # XXXX. 
After, my bank contacted XXXX, they were able to send me 2 out of the 4 wigs ordered. I called my bank Netspend notified them, that they sent me 2 wigs, rather than the 4 wigs ordered. That, I still want remaining refund {$140.00} credited to my account.

They told me that they have started claim and will ensure to get my refund of the 2 remaining wigs. I have contacted NETSPEND for about 10 times, and as of today, no response recieved from NETSPEND. I had recieved call from XXXX  informing me that refund has been made to NETSPEND. As of this day, NETSPEND had not issued my refund or made attempts to assist to get my money back.
Consumer complaint received 2022-09-22
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. (FL)

I have and account thats not mines on my credit report XXXX XXXX XXXX thats not mines but the credit bureau Transunion refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NC)

I have made multiple payments to this bank. I have been charged {$41.00} from XX/XX/2022 through present. That is {$41.00}. XXXX XXXX XXXXXXXX XXXX. In XX/XX/2022, there was a {$29.00} late fee but from the remaining months it was increased to {$41.00} each month. I was told each time I made a payment I was charged {$41.00} because they have a cut off of XXXX, which i feel is very illegal. This company should not be able to make rules that negatively affect the consumer. I had no way of knowing if I make payments after XXXX, I am charged {$41.00} each time. Very poor business practices. I have also been told my payments are due on the XXXX of each month which was false information. My payments should have been made on the XXXX before XXXX. Also this bank is price gouging in the amount of {$41.00} for late fees and also charging the same amount of {$41.00} for not making full payment. It is against the law during a pandemic to charge excessive fees. I have asked for a manager on multiple times and I have asked at least 3 times to have these fees reversed and they keep telling me its not allowed.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2022, I received from CAPITAL ONE AUTO FINANCING sent a Notice to Default and Cure. XX/XX/2022, I respond with a Notice to Dispute citing violations and ask for debt to be validated. CAPITAL ONE AUTO FINANCE sent a letter not responding to what the dispute was addressing. I replied with a Cease and Desist. CAPITAL ONE AUTO FINANCE continued to Report late payments. CAPITAL ONE AUTO FINANCE repeatedly sent Notice of Default or Right to Cure. Stating I request benefits under the service member Civil Relief Act, being deceptive, stalling and not addressing the violations. I then sent a Notice to Rescind and Cure with an Invoice attach. They sent a copy of agreement. never replying or addressing what was sent. checked my consumer report CAPITAL ONE AUTO FINANCE removed the value and it out of owed status XXXX XXXX placing it in closed accounts with derogatory statements. I called CAPITAL ONE AUTO FINANCE inquiring about the Car Title. Representative XXXX told me I still owe on the car. Neither have they acknowledge my Invoice. I never gave CAPITAL ONE AUTO FINANCE written permission to furnish information on my consumer report.
Consumer complaint received 2021-07-02
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. (NY)

I spoke with experian today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 Experian, XXXX and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MS)

I had a account with chime, I received a {$20000.00} deposit in XXXX XXXXChime close my account.so on XX/XX/2021 I received another deposit of {$20000.00}, but the account had already been closed.I contacted chime and ask them to return the money back.I never received a rresponse.so I was thinking the money was returned.Till the company contacted me yesterday.I contacted chime again yesterday no response
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AR)

This case was closed negligently by Chase. I AM BEING CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE THROUGH A THIRD PARTY! I have a receipt from the merchant who was authorized to charge my card. JP Morgan Chase is allowing a third party to draw my account into the negative and when I filed a complaint with CFPB, I received a letter of threat to close the account. On XX/XX/2021, my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX XXXXXXXX XXXX. I paid {$190.00} ; receipt provided. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed, and they will not reopen it. I would like to see the " proof '' that Chase is referring to. I spoke with XXXX XX/XX/2021, in the Chase executive office who did the routine callback and never returned a call. If XXXX had the " authority '' to use my debit card, then why did XXXXXXXX XXXX swipe it for another amount?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$190.00} XXXX. CHILD SUPPORT ENFORC Account Number : XXXX Date : XX/XX/XXXX Amount : {$51000.00} Inquiries : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Opened : XX/XX/2005 Balance : {$0.00}
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (MD)

Received a letter from the mortgage company stating that I do not have insurance coverage and therefore they purchased a policy on my behalf. 
They never notified me until this letter that they did not have my insurance information to give me a chance to provide it to them. 
I always maintained insurance coverage as can be seen in the attached policy.
Consumer complaint received 2021-01-22
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. (NY)

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Hey my name is XXXX XXXX XXXX of birth is XX/XX/XXXX I do not have my account number Its a charged off account Payment Status Collection/Chargeoff Last Updated XX/XX/XXXX Current Balance {$510.00} Original Balance {$510.00} XXXX XXXX XXXX and there are 2 more I do not recognise Lender 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. 1681-2 ( 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.

-O- Cash Flow! I am not a XXXX XXXX 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 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I have a medical debt of {$310.00} that I did not know I had. I was putting in collection with this company called Transworld System. I have paid the debt in full alredy, however they refuse to remove this collection account from my credit score. I am trying to get a house loan with lower interest rate but now I wont be able to do it cause of this account being open. It took 50 points down from my credit score. I need help, I need them to remove this account from my credit report. So my credit can boost back again.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I paid {$100.00} for products on PayPal and after I sent payment the seller stopped responding and blocked me. 
I opened up a complaint with PayPal and they said that they did not find any fraudulent activity although Im positive the seller never verified sending me anything because I do not have anything. They simply stole my money and PayPal helped them do it