davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit card or prepaid 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: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2023 i got robbed in a store and all my credit cards were stolen with my wallet. 
I called police and case was opened. 
After talking to Huntington Bank customer service support and providing all information they needed my case was closed without any explanations. 
I provided police report and case number from other banks credit cards that were stollen at the same time. Other banks refunded my money within 3 days, but Huntington Bank is not contacting me back and not resolving this problem for 3 weeks.
Consumer complaint received 2024-08-12
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. (FL)

" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX  XXXX  and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed multiple accounts and have not gotten a response within 30 days. It has been over 90 days and TransUnion has not removed the items I disputed legally. They are under an obligation to remove all items that were not verified in 30 days. The accounts include : XXXX XXXX XXXX with a claimed last payment in XXXX of XXXX. With multiple errors on payment history and balance amount as well as multiple errors on the file. It was disputed in XXXX of XXXX It includes XXXX  XXXX XXXX showing a balance of {$270.00} and charged off on a secured credit card which does not carry a balance. It was disputed in XXXX of XXXX It includes a company name XXXX XXXX collections for which I have no contracts signed or any agreements with them to be able to report on my credit file. Disputed in XXXX of XXXX They did not file any response until XXXX. That is over 90 days of not investigating or removing items that are required by law. 
I disputed with transunion in multiple ways as well. I have sent multiple certified layers dating back to XX/XX/XXXX as well as XX/XX/XXXX and XX/XX/XXXX. Their failure to investigate and answer the dispute in 30 days is a violation of my rights.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WA)

I deposited my tax refund check into chime. They immediately closed my account for no reason. I received an email saying that there was a suspicious load. I have no suspicious loads I have never broken any user agreement they are stealing my money. I've tried to contact them several times with no results they keep sending me the same email asking for the same information. I have sent everything they have asked for and still no results. They are severely messing withy livelihood and credit. I just want them to reactivate my account as if it was never closed. They are also messing with my credit by closing the credit account they are providing something they are supposed to be helping me improve. Then by closing the account with no warning caused me to miss credit card payments on cards I've never missed.
Consumer complaint received 2024-09-17
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. (NY)

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 2024-08-12
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: 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 confidentially under 15 USC 1681.15 U.S.C 1681 Section

602 A. states I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to submit a formal complaint regarding unauthorized inquiries appearing on my Experian credit report. I request your assistance in addressing this matter and ensuring that these inquiries are promptly removed, as they are in violation of my rights as outlined by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, I discovered multiple inquiries from entities with whom I have never engaged in any business or authorized to access my credit information. These unauthorized inquiries have negatively impacted my credit standing and potentially compromised my personal information. As a responsible consumer, I took immediate action to rectify this situation. 

I contacted Experian and requested the removal of these unauthorized inquiries from my credit report. However, despite my repeated efforts and the provision of supporting documentation, Experian has failed to comply with my request. Their refusal to remove these inquiries not only disregards my rights as a consumer but also undermines the integrity of the credit reporting system. 

According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports, including unauthorized inquiries. I have diligently followed the correct procedures and provided Experian with the necessary evidence to support my dispute. Nonetheless, Experian 's inaction and non-compliance have left me frustrated and concerned about the accuracy and reliability of my credit report. 

Therefore, I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to investigate Experian 's practices regarding unauthorized inquiries and ensure that they promptly remove these inquiries from my credit report. It is essential to uphold the FCRA 's provisions, protect consumer rights, and maintain the integrity of the credit reporting process. 

I would appreciate regular updates on the progress of the investigation and any actions taken to address this matter. Your commitment to consumer protection and your efforts to uphold fair practices in the credit reporting industry are crucial in resolving this issue effectively. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that safeguards my rights as a consumer and restores the accuracy and reliability of my credit report.
Consumer complaint received 2023-07-13
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. (IL)

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. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TN)

I wanted to cash out the {$1100.00} in my CashApp account using their phone app. It defaulted to the instant transfer with fee option. This is not the option I wanted - I wanted 2-3 business days with no fee. I have never used the fee option before. I accidentally tapped the transfer button while on the default instant transfer screen. There was no final step or confirmation before the transfer was completed to confirm that it was the correct selection. I had never used it before and was not aware of this fact. I immediately contacted customer support to try to reverse the action or cancel the transaction but was told it was not possible. I do not think it is fair to consumers to have no confirmation screen in between the cashout page and the execution of the transfer. It happened by mistake, and far too quickly. At the very least, if there is no final step in the process to confirm that the fee option is what the customer wants, the fee option should not be the default selection that comes up. I feel that it is an unfair business practice to not allow consumers to give a final confirmation that they are being charged unnecessary fees. An " are you sure '' type of intermediate step is the expectation when it comes to payment screens, especially online or on a touchscreen phone or tablet, where a person can easily tap a button by mistake. I would like a refund of the fee charged to me. I also feel that CashApp should be required to either default to the no fee cashout option, or else to have a final confirmation before completing the irreversible transfer. The way it is set up currently feels like a trap. It causes customers to pay fees by mistake, with no recourse to fix the problem after the transfer is completed.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with Equifax 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 USC 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 statement 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.

Equifax 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

The letters are stated with items and issues. 

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 2023-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (SC)

In XXXX of XXXX  One main financial on XXXX XXXX XXXX South Carolina called me about a refinance for car loan it was a predatory call and they charged me {$600.00} plus interest on fees that were not explained and not understood they might have said that the information was signed however I do not recall being have those fees explained and they were fees that should not have been passed on to me when I asked to have the fees removed or dropped within the appropriate amount of time they refuse to do so they are now charging me interest on those fees that I did not agree to they also filled out the application for me on a computer due to my injury I can not work with computers I have medical information to back that up nor did they give me a paper application to fill out nor did they give me a paper application upon leaving I did not fill out the application I did not agree to the XXXX plus dollars and fees and interest!.. I did try to work with one main however they refuse to assist me and saying they can never discuss my account with me again at that location in addition the home office refuses to work with me as well they'll send me letters stating that they'll be happy to work with me but then when I try to work with them they refuse to speak to me about my account because I have reached out to government agencies to assist me in getting a resolution. They say that arbitration agreement is in the contract however when I try to ask them at the location about the arbitration agreement in the past before they banned me from getting assistance for no reason they refuse to give me the proper steps for the arbitration they tried to deter me from what was in the contract so a my issue is fees that I was not aware of be I tried to remove the fees and see I was denied any type of resolution in was encouraged not to call ever again. The resolution that I'm looking for is to have those fees removed from my contract and to be compensated for being charged that amount in the first place I also want the contract to be void because it was set up under predatory pretenses.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act Experian, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Credit Management Corporation (OH)

I bought my home in XX/XX/XXXX. I was approached to do a second mortgage XX/XX/XXXX to do some needed repairs on our home. I did not really understand what I was were getting myself into. The interest rate on this loan was 14.92 %, over twice as much as my XXXX mortgage. It was a bad loan from the beginning. We struggled to pay it but with job changes, I stopped paying it in XXXX. The loan has changed servicers several times over the years. I have not heard from them until now. They are attempting to foreclose on my home. This debt is too old. They have no right to start legal proceedings against me after all this time. I filed bankruptcy in XXXX. This debt should have been wiped out then. The statute of limitation has run out on this debt, and they do not have a right to come after me or foreclose on my home.