davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-09-28
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CO)

I applied for and received this XXXX XXXX  card from Comenity on XX/XX/XXXX. I was able to make purchases on XX/XX/XXXX and XX/XX/XXXX. 

I have never received a card for this account. I called Comenity multiple times and have been told that a new card is on its way, only to receive letters each time stating that I can't be issued a card at this time. 

I was told as an alternate, I could enter my SSN, ZIP, and provide ID at XXXX XXXX XXXX XXXX to use my account. I recently tried this twice, and had the transaction declined : XX/XX/XXXX XXXX  XXXX, CO XX/XX/XXXX XXXX  XXXX, CO I called and was told on XX/XX/XXXX that this a a " cardless account '' - no card is issued for it. I tried to purchase with my SSN on XX/XX/XXXX at XXXX XXXX in XXXX, CO, and the transaction was declined. 

I again confirmed with Comenity on XX/XX/XXXX that this is a cardless account and that previous CSRs who told me they were sending a card were mistaken and giving me bad information. 

I then tried to use my SSN and ZIP and ID at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, and the charges were again declined. 

I tried to use my SSN and ZIP at XXXX XXXX  in XXXX XXXX  on XX/XX/XXXX, and the charges were again declined. When I called Comenity, I was told that I could only make transactions if I had a card. 

Summary : Comenity has failed to send me a card for 16 months, has declined all my transactions despite being in good standing, and has given me directly contradictory information about whether I needed a card or not. Repeated escalation has not worked, and I have been humiliated at XXXX XXXX stores at least XXXX times in the past XXXX months.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On Saturday XX/XX/XXXX, I was victim of theft and fraud. A person who misrepresented themselves as a representative of Chase Bank called me on XX/XX/XXXX telling me there was an unauthorized transaction in my account. This individual proceeded to then request a replacement card using my banking information and sent the debit card under my name to an address I have never been affiliated to. 

On XX/XX/XXXX, an unknown individual called Chase by phone and SOMEHOW transferred my entire savings account into my checking account and emptied it out within a matter of minutes. The transactions were mostly purchases with cash back of {$1000.00} at a XXXX in XXXX, Texas. I immediately opened a dispute with Chase and within 3 days Chase closed the dispute and told me the decision was not made under my favor and I should take the loss.

It was Chase Bank that somehow authorized a debit card to be sent to a different address than I have registered in my account, then Chase bank activated this card without my authorization or authentication and finally Chase bank allowed transfers from one of my accounts to another by phone from a person who was not me.

Chase Bank closed the dispute without doing their due diligence and investigating further how these fraudulent transactions occurred.
Consumer complaint received 2023-09-28
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 (CA)

I bought a used XX/XX/XXXXXXXX XXXX on XXXX XXXX. From XXXX XXXX. Financed through Credit Acceptance. The Dealer added extra charges that I did not approve. The Dealer had me sign all paperwork on his Desktop computer. He did not print them and go over them. He lied and said I had XXXX XXXX which I did not. He did not go over the price of the car or anything. When I looked at the Loan agreement. It says I owe {$22000.00}. Which is outrageous. The Dealer added my downpayment instead of subtracting it. Also, on XXXX XXXX. My car was stolen from right outside my patio. Thank God I got it back. By me not have gap insurance. I paid out {$30000.00} to get it out of impound yard, paid {$170.00} for window. I replaced ignition by myself. I want out of this loan and my downpayment back. Thank for your help
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NJ)

This complain pertains to a payment processing platform called square, they accept payments on behalf of small businesses in efforts to make payment processing easier. However, this company is blatantly stealing money from clients, i have processed a payment of {$14000.00}, they very gladly accepted the payment. They did not ask for any information to activate my account, federal law requires payment institutions and banks to collect my identity before accepting any deposits. Case in point, post my payment processing the company claims they need additional information to release the funds, upon submitting the needed, the company nonchalantly claims we do not fit the criteria and they will hold our funds for 90 business days. This is a violation of my rights under 15 U.S. Code 1666c. Customer service rep XXXX for the company that called me from XXXX on XX/XX/XXXX at XXXX refused to connect me to a supervisor to discuss further and asked me to refer to the email sent by the company. The call record can be obtained since they returned a request for call back on my number XXXX. The emails are attached for your reference. The company has not only charged their processing fee from the amount, they closed my account and refused to pay it back until XX/XX/2023
Consumer complaint received 2024-10-21
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. (FL)

I have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
Experian did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (PA)

Until now, I received NO resolution from XXXX, Equifax and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/year>, I submitted disputes to Experian regarding several inaccuracies on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and verify the accuracy of the disputed items within 30 days. However, despite receiving a notice from Experian with a projected reinvestigation completion date of XX/XX/year> ( see attached dispute results ), it has now been over 30 days since my initial dispute, and no verification or resolution has been provided. 
The disputed items remain on my credit report, and Experian has not removed the inaccurate or unverifiable information, which violates Section 611 ( a ) ( 1 ) ( A ) of the FCRA. This delay has caused significant harm to my ability to access credit and negatively impacted my financial situation.
Consumer complaint received 2023-04-26
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. (TX)

I have sent certified letters with tracking and receipt tracking to Equifax. I have sent a letter to remove inaccurate personal identifying information on XX/XX/2023. I've also sent a letter to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification on XX/XX/2023. The time frame lapsed to the request on XX/XX/2023. 

In accordance with the FCRA, Equifax violated my federally protected consumer rights under the following Consumer Code of Laws. 

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality 15 U.S. Code 6802 Did Not give me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did Not receive the Method of Verification requested Per FCRA 611 ( a ) ( 7 ) Did Not reply in 15 days 15 U.S. Code 1681i ( a ) Did Not due a complete investigation Per FCRA Section 604 a consumer reporting agency reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681s-2 a
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

old charged off accounts and collection are inaccurate and i dispute with all 3 bureaus through there websites and they are still reflect on my report keep me from a higher credit score
Consumer complaint received 2024-09-25
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. (TX)

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 u.s.c. 1681.. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.. 15 u.s.c.1681C. ( A ) ( 5 ) section : 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 antedate the report by more than seven years.. 
15 u.s.c. 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting incorrect information on my credit report. When you view my credit file there are things that are missing, the credit usages is reported wrong on my transunion credit file.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to XXXX, TansUnion, and XXXX  regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX XXXX all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates U

SC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic s
tatement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-16
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. (GA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have thoroughly reviewed my credit report, and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, that you investigate these accounts : XXXX XXXX XXXX Attached is my report that shows information not correct and not accurate. Therefore, it must be deleted immediately
Consumer complaint received 2023-06-30
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. (WA)

Back in XXXX of 2023, I purchased an item from an online vendor. The item purchased was a carbon fiber mirror cap for my vehicle. Unfortunately, this vendor purchased the mirror cap from a different vendor in XXXX and when the item was shipped from XXXX, the item was damaged during transit. Upon receiving the item and inspecting it, I reached out to the vendor and notified them of the damage and wanted to get a refund. The vendor then goes on to say that the item was shipped in good condition which doesn't matter since items can get damaged during transit and happens all the time due to various reasons, XXXX of them being poor packaging. I asked the vendor for a refund and to provide a return shipping label. They agreed to a refund however they can't provide a return label without proof that the part does not fit. I recorded a video showing that it does not fit and even took it to an autobody shop and had XXXX of the mechanics try installing it. They provided me with an invoice stating that the part does not fit. After providing the proof to the vendor, they denied a shipping label and stated that I would have to pay for return shipping back to XXXX which would cost a lot of money for a part that was damaged and doesn't even fit my vehicle. I then disputed the transaction with my bank Chase to which they denied my claim. I had faxed over supporting documents and they still denied my claim. Their reason for denying my claim was " The vendor had sent in pictures showing the item was not damaged before shipping '' which doesn't make sense since they do not physically take pictures of every item before shipping, which would mean they had taken a picture of another similar item to provide as proof that it wasn't damaged and not the fact that the part doesn't even fit. I called Chase claims department to reverse their decision and they said " you would have to figure out another way to get your money back such as contacting the vendor. '' If I could get my money back from the vendor directly, there wouldn't even be a need to file a dispute. The disputed amount is for XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-11
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. (MA)

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.

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.