davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
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. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is INACCURATE and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

A hotel that I stayed at made an unauthorized transaction on my XXXX  XXXX XXXX XXXX XXXX. The hotel was supposed to charge my stay to my XXXX which was given to the receptionist upon check-in. I asked the hotel to correct the error and they claimed that they did. They did not. I had to dispute the transaction on my XXXX  card due to the unauthorized transaction made by the hotel ; the unauthorized transaction maxed out my credit card limit. I made the dispute on XX/XX/XXXX. After disputing the transaction, XXXX gave me a case number ( XXXX ) and said " We are issuing a provisinal credit to your account in the amount of {$740.00} that will post to your account within 24-72 hours. This credit is considered temporary while we investigate your dispute, ... '' However, XXXX did not supply that credit until XX/XX/2022. I had to call and argue with the account specialist because the delay of XXXX supplying the provisional credit has decreased my credit score by XXXX points. It also seems as though the hotel charged my XXXX  card twice because it made my account- {$2600.00}. I was told I'd received a new card within 5-10 business days. It is XX/XX/XXXX and I still have not received it. I was told that it shipped out on XX/XX/2022. I inquired to XXXX how is my account- {$2600.00} when I don't have the card to spend anything. I was told that they applied the credit to the deactivated card and not the new card. It still did not explain the - {$2600.00}. Upon multiple phone calls with XXXX to resolve this, I received one provisional credit of {$740.00} on XX/XX/2022 but my account still says - {$550.00}. Prior to the hotel making an unauthorized transaction, I was still within my credit limit. I wasn't near maxing out my card. It seems the hotel made 2 unauthorized transactions that maxed out my credit card and decreased my score by XXXX points. The credit company delayed in providing that provisional credit and kept telling me " we have to wait until the investigation is done to give you a credit. '' I told them " your email said you'd provide a provisional credit until the investigation is done '' I cited the email they sent me that said that. I called XXXX on XX/XX/2022 to ask why my account still said - {$550.00} after the provisional credit was provided 11 days after I initiated the dispute. They could not give me an answer and refused to give me another provisional credit to make up for the hotel charging my card a second time. This has affected me financially, emotionally and mentally. I'm trying to get student loans for school with a fair APR rate. This whole situation has affected my credit score.
Consumer complaint received 2023-02-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF EDXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : 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 an 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 or 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 2022-12-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX 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 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 2022-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION (GA)

My login stopped working XX/XX/XXXX shortly after attempting to establish a link to an new external account. I wasn't able to call them until they opened on Mon, XX/XX/XXXX but they were unable to fix the problem. After waiting XXXX hours I called back on XX/XX/XXXX. They tried some other things but were still unable to fix the problem. The night of XX/XX/XXXX I was surprised to find that I could login, but my accounts ( a XXXX XXXX account and XXXX CDs ) weren't linked to the new login they had had me create earlier. The morning of XX/XX/XXXX the CDs were linked to my new login, but not the XXXX XXXX account. After speaking to a service representative on XX/XX/XXXX I was finally able to see my Money Market account and proceeded to again try to link to a new external account on XX/XX/XXXX, at which point the login stopped working again, so I had to wait until Monday morning, XX/XX/XXXX, to call their support line and they said they would re-open the previous ticket, but I didn't receive a call back as expected. As I prepared to call again on XX/XX/XXXX I received email saying the account had been locked because of the request to link my external account ( several days earlier ), and instructed me to call a different number. After calling that number and answering a number of security questions and the account was supposedly unlocked I still wasn't able to login and was transferred to the standard support, but they were unable to do anything and don't seem to have any interest in helping further, with the ticket open, but the support person assigned to the ticket out for the holidays.
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On XX/XX/XXXXXXXX I filed a complaint with NJ state XXXX XXXX XXXX. 
Credit Acceptance Corp in conjunction with XXXX XXXX XXXX has breached the financial contract. 
I was also over charged on a XXXX XXXX XXXX. 
My XXXX insurance payments were never documented.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MI)

Received a collection notice in the mail today without ever being contact about the debt at all. We continue to use the pharmacy and no one has brought the issue up or even a phone to resolve this. They are charging me {$50.00} for XXXX and XXXX, i have paid the debt but want the collection notice removed from the credit agencies
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Identity Theft Complaint and Request for Inquiry Removal Dear XXXX Fraud Department and Credit Karma, I am writing to formally report that my personal information has been stolen and used to fraudulently apply for credit cards. I have discovered unauthorized inquiries on my XXXX credit report from XXXX XXXX XXXX XXXXXXXX . The details of these inquiries are as follows : - XXXX XXXX : XX/XX/year> - XXXX : XX/XX/year> These inquiries are a direct result of identity theft, and I request that they be promptly removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any information resulting from identity theft. 

I have taken steps to report this identity theft to the relevant authorities and have placed a fraud alert on my credit files. I kindly ask that you investigate this matter and ensure that these fraudulent inquiries are removed from my credit report without delay. 

Please confirm the receipt of this letter and keep me updated on the status of my request. Thank you for your prompt attention to this serious issue.
Consumer complaint received 2023-02-18
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. (TN)

. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX 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 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (DC)

2019 XXXX i lost access to an account with more then XXXX dollars this account went missing the money as well. 

the company create a new account months after creating a debt. through their partners. 

while homeless i have been robbed and lost access to my accounts. 

company seems to block all assets in retaliation to a XXXX $ charge. i requested to charge to be dropped. 

most charges a inflated by companies to create debts. 
the policy that seems to target consumers that are familiar with policy. in the nature of having supporting accounts with currency. 

with holding money or accounts effects how and if i am able to make money. 

the policy violates my rights to be able to function in the new infrastructures. 

technology devices have allow account to be compromised by consumers or foreigners. 

being under a certain amount of income i feel that its harm to my life if i am not able to access or be return my funds from my accounts. though i feel my information informs support of how to violate those policy and how much control consumers have over our money.
Consumer complaint received 2022-12-20
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. (AL)

This is my 3rd complaint for TransUnion. 
I have asked them to verify the method of verification for the bankruptcy listed on my report to no avail. I have being dealing with this same issue since XX/XX/2021. I keep receiving generic letters and/or they stating that it is verified as accurate. This was not a dispute but in fact a method of verification which under FCRA 611 ( a ) ( 7 ) Im entitled to. It has been way over 15 days from the initial requests and all TransUnion is doing is treating it as a dispute with no validity to their claims. Plus I also have written them letters to correct my personal information which hasnt happened either. My name is not XXXX XXXX XXXX XXXX they refuse to correct their error on my name as well.
Consumer complaint received 2023-02-18
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. (GA)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-10-23
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-12-20
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. (SC)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

Transunion tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : XXXX XXXX
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (MI)

They Repo XXXX cars and I was denied credit everywhere for over 9 years, I couldn't even get a place to live in my name because of this situation, not including the trauma and embarrassment that I had to face in the 9 years, and until this day I'm still paying high interest rates for Cars and still couldn't Be able to get an apartment under my name, I got into XXXX and was feeling ashamed of what it has caused me in this life, I can't recall the exact date but this happened between the year XXXX and XXXX, Also there was a moment in my life that I thought of not being able to breath and causing me to go into major humiliation, I'm still leaving in an apartment under someone else name because I wasn't able to do so in my name.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (PA)

Ally Bank held almost {$13000.00} of my money from a check deposit but never made the funds available to me for almost a month. 

I had to deposit a check that was made out to me and my partner, however we do not have a joint account. Ally Bank advised that we just needed to mail them the check with both of our signatures and a copy of my partner 's driver 's license, which we did on the 2nd week of XXXX. 

Called the bank the following two weeks with no update on the status of the check. On XX/XX/XXXX, I then asked the company who issued the check to just stop payment and wire me the funds. They informed me that Ally had already taken the money from the check on XX/XX/XXXX, which they did not inform me about, and Ally had not deposited the money to my account- and they never did. 

When I called to ask Ally, no one had an explanation on why they took the funds but did not apply it to my account. They then sent me a bank check for the amount which I tried to deposit to my account. They rejected it because they can not deposit Ally checks to Ally accounts (??? ). 

I have now closed my accounts with them, however, a month after this all happened, I can not stop thinking that this was an egregious lack of competence and should be investigated. 

They held my money- which was not an insignificant amount- for almost a month. They made it seem like they had not received my check yet but they had already taken the $ XXXX. They did not give me timely updates and repeatedly gave me bad, sometimes even conflicting, information. I do not understand at all how its legal for them to get the funds, hold it, but not transfer it to my account- effectively making it impossible for me to access it at all. It felt like my funds were being held hostage.

I am reporting this so that other customers do not have to experience this ineptitude and very shady business practice.