davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Lease
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

I submitted a Lease Payment Deferral Agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( not 30 days late at this point ) to defer XX/XX/XXXX payment. At that time I paid the deferral fee in the amount of {$120.00}. I requested for the Deferral documents to be emailed to expedite the process time to ensure that the agreement would be processed in a timely manner. I did not receive the document on XX/XX/XXXX, therefore I contacted XXXX on XX/XX/XXXX to receive the documentation needed, I was advised that the email was sent, it takes a few minutes to be received. I attempted again on XX/XX/XXXX to receive the documentation and I signed and returned the documentation by fax receiving a confirmation of receipt. I contacted XXXX early XX/XX/XXXX to see if the information was received and I was advised that the deferral was not processed at that point and I was advised to call back. I contacted LFS on XX/XX/XXXX to learned that the documentation was not received or processed, therefore I sent the documentation again. At this time the Hurricane Irma had made landfall in the Florida/Georgia and we were forced to evacuate. I learned a week later that the deferral was not processed until XX/XX/XXXX and a 30 day late payment was applied credit to our credit report. A dispute was sent to the dispute department and denied stating that the payment was already 30 days late which is incorrect. This account has never been 30 days late.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (PA)

This morning, I noticed some unauthorized inquiries on my credit report, which left me confused and frustrated. I routinely check my report, and seeing these issues pop up without any reason is extremely concerning. I refreshed my browser to rule out a glitch, but the inquiries are still there. I urge you to thoroughly examine the documents Ive sent so that I can finally feel secure about my credit report again.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the inclusion of unauthorized information on my credit report, which infringes on my privacy rights. This unauthorized information violates my privacy and is harmful to my financial standing and I also want to note that this was already deleted by both XXXX and XXXX. I never authorized this information to be reported on my credit report. As a consumer, I am aware of my rights, and those rights are being violated by the information currently reported.
Consumer complaint received 2017-11-28
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: JPMORGAN CHASE & CO. (VA)

I purchased cruise tickets via phone with XXXX XXXX via XXXX XXXX. I told the employee on a recorded line that one name was incorrect, and that I would confirm the correct name the following week. She informed me that this was fine, and no name-change fee would be applied since booking the tickets was time sensitive. This occurred on XX/XX/XXXX. 
A name change fee was charged on XX/XX/XXXX in the amount of {$150.00}. I disputed this with Chase on XX/XX/XXXX. I also informed Chase that there was a recorded phone call of the representative informing me that no name change fee would be charged. Chase declined my dispute, specifying that they would not review the phone call I requested they review. They also informed me that if I wanted them to review the phone call, I would need to reopen the case through an enormous amount of paperwork. The paperwork was sent to my home address despite my informing them that I was at University, and they have otherwise been insistent on not making the process any more possible for me to continue.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX Chase Auto deleted a Paid In Full Trade line off my XXXX credit report, which affected my credit score tremendously. I contacted Chase Auto on XX/XX/XXXX and they agreed to but the Tradeline back on my XXXX credit report and still have not.
Consumer complaint received 2017-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

Hello, currently did business with PayPal for over three months for my XXXX XXXX. PayPal has closed my account due to I was on an authorized person on another account for the company I was employed with to speak with PayPal for that account. I do not work for that company anymore. 

I personally do not have any money that is owed to PayPal. PayPal said that you will need to hold my money for 90 days. I explained that XXXX has 30 day money back guarantee so why would keep the all of my XXXX on orders that had been shipped and no issues for over 45 days? PayPal said its their policy to hold all your money in case of returns. My Case with PayPal is Case ID Number : XXXX PayPal has closed my account due to my name on a account that I used to work for last year. 

PayPal is holding XXXX of my money and will not return my money. PayPal is not a bank. Nor is it a FBIC accredited. So how can they hold any funds? 

I have spoken with PayPal agent in late XX/XX/XXXX they said it should be released to you. 

I have called them back to see about my funds being released back to me. I explained the situation to to agent about sending my money and she was very rude to tell me I will have to wait because the credit cards have over 90 return for charge backs. 

PayPal has said they I will have to wait 120 more days till I get my money. 

I have waited over the normal time that should be released to me. 

This situation is standard for them, they do this to everyone. here are just a little sample of the issues caused by them. https : //www.paypal-community.com/XXXX Please help me!
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (GA)

I recently received a copy of my credit, and I noticed fraudulent inquires on multiple consumer report. I did not give consent to the companies listed below to obtain my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-29
Product: Credit reporting 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. (MA)

The following inquiries are unauthorized and fraudulent. These are the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (CA)

I'm concerned about unfamiliar inquiries appearing on my credit report. I didnt authorize or give permission for these companies to access my information nor have applied to them, and Im trying to understand how and why this happened. This situation is causing me significant stress and XXXX
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

I never received an item I ordered from XXXX. I filed a dispute with Cash App on XX/XX/2021. I've yet to hear anything about my dispute and in the policy cash app stated it's 10 days until I hear anything and still have yet to hear anything from cash app about my dispute.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2024 EXP XXXX XXXX XX/XX/2024 EXP XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On the months, of XXXX, XXXX, and XXXX of year 2023 I sent over a verification letter to Transunion Credit Berau. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Today, I was shocked to discover accounts that dont belong to me on my credit report, with no explanation for why they appeared. I check my report frequently and had no issues until now, yet today it showed errors that wouldnt go away, even after refreshing my browser. I need the documents I provided to be carefully inspected so I can avoid this type of worry in the future.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy federal credit union has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. Navy federal reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX  AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Former case number : XXXX - XXXX Dear Sir and Madam, Due to the complaint email I sent to you on XX/XX/XXXX regarding the handling of customer issues by the management of CISCOVER company, DISCOVER company received your letter and replied to me ( see attachment ). These three reply letters come from three different places, of course, the same CISCOVER company. Among them, the letter from XXXX XXXX, Ohio requesting a new card for me made me very cautious, as the company had already changed the card for me in XX/XX/XXXX, citing that the merchant would no longer automatically receive payments. But he added the so-called " total price fee of {$41.00} '' to the new account in XX/XX/XXXX. In this way, the merchant 's automatic payment will be added to my account again. If this time, DISCOVER 's company in XXXX XXXX, Ohio will give me a new card. Although I did not request a card change, based on my recent interaction with DISCOVER company, I have found that the policy management and quality of DISCOVER company 's management personnel are insufficient, and I am not willing to have a conversation with such companies.
Consumer complaint received 2024-09-18
Product: Credit reporting 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. (NV)

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Experian, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me XXXX, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from XXXX Card reported by Experian and XXXX. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with XXXX Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both Experian and XXXX continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : 1. The immediate removal of this unverified account from both my Experian and XXXX credit reports, as I am not liable for this debt. 
2. Assurance that XXXX XXXX and all reporting agencies will cease future reporting of this debt on my credit profile. 

Thank you for your attention and assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. They have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing errors ( XXXX ) The creditors failure to reflect properly on a statement or a payment made by the obligor or a credit issued to the obligor.