davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures.
Consumer complaint received 2022-06-15
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. (TX)

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 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
Consumer complaint received 2024-08-23
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XXXX XXXX ( Bank ) - XX/XX/2022 XXXX ( Miscellaneous ) - XX/XX/2022 XXXX XXXX ( Finance ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 XXXX XXXX  ( Auto ) - XX/XX/2022 XXXX ( Bank ) - XX/XX/2022 XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XX/XX/XXXXXXXX XXXX ( Finance ) - XX/XX/XXXX
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OK)

XX/XX/2022 - I called Chase Travel, through which I booked a vacation to XXXX and let them know that I had emergency XXXX XXXX and would not be able to make my flight on XX/XX/2022. Chase Travel told me they could not give me a refund only a travel credit for XXXX XXXX ( XXXX  ). I previously had a bad experience with travel credits for XXXX wherein to use the travel credit would cost more money after paying the fare difference than to book an entirely new flight. So I refused the travel credit. They advised me to call XXXX XXXX XXXX  ( XXXX ). I called XXXX and they told me that even though the flight was non-refundable, they will not reimburse me for my flight if chase travel/XXXX offers a travel credit or can rebook my flight. The trip cancellation/interruption insurance is one of the reasons I got this card. 

XX/XX/2022 - I called Chase travel to confirm how much it would cost to change my flight. They told me the new fare was {$30.00} cheaper and I would lose the balance. I said ok and needed to confirm a few things and that I would call back. 

XX/XX/2022 - I called chase travel to change my flight. They told me it would cost {$170.00} to change because of the fare difference. My original fare was {$600.00} and apparently the new fare was {$770.00}. I looked online and the flight costs {$540.00} on XXXX  website. So even though there are no fees for flights changes they hike up the fare difference by an exorbitant amount such that the no change fees and travel credit policies are illusory. For the second time in 2-3 months I am forced to either pay hundreds of dollars to use my existing flight credit, which disqualifies me from claiming trip cancellation insurance, or booking an entirely new flight. So, Chase Sapphire Reserves card benefits are completely illusory and a scam.
Consumer complaint received 2024-08-23
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-23
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX XXXX XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX  XXXX ) Account number # XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

I requested an extension agreement for the month of XXXX, I uploaded my extension agreement before the 30 day mark so that it would not be recorded as thrifty days late. I uploaded it on XX/XX/XXXX the same day that I spoke with a representative. I signed the document and sent it back. XXXX called me on XX/XX/XXXX more than 2 weeks after I uploaded the extension agreement saying that I was 30 days late. I uploaded the same document that day because customer service stated they could not see it on their end even though I could see it on my customer portal clearly showing it was uploaded. XX/XX/XXXX they reported me to the credit bureau as 30 days late. XX/XX/XXXX I spoke with a supervisor who could see the document but stated they did not process my agreement on XX/XX/XXXX because it was not dated. Which made no sense, the same document I uploaded on XX/XX/XXXX was reuploaded on XX/XX/XXXX, neither of them was dated but they still accepted it the second time with no date. They intentionally waited until I was 30 days late to tell me they couldn't see the document and that it needed to be dated. They do not want to fix it and it's irresponsible for them to accept the second document but not accept the first one when they have the same signature but no date on either.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-11-19
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. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC (CA)

I got into a car wreck on XX/XX/2022. My vehicle was immobile. I have insurance through XXXX and after performing a proper estimate the vehicle was deemed a total loss on XX/XX/2022. XXXX 's total loss department and I XXXX XXXX have tried on multiple occasions to in contact with the insurance department of Wilshire and no one would answer and we would get sent to a survey. XXXX wants a perfected title with Wilshire as the lien holder and it has yet to be given. It is causing me and my family to be put in a predicament where we have to come unnecessarily out of pocket for rental vehicles and also not have the remainder settlement amount to get a new car. Again XXXX needs the perfected title to pay off the loan amount and to release anything additional to me. Wilshire has been everything but helpful and has sent us on complete runarounds about this issue.
Consumer complaint received 2024-10-31
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. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.
Consumer complaint received 2024-11-19
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. (IL)

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 2022-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).

Instead, I receive a generic letter without any of the information requested. 
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.
Consumer complaint received 2024-10-06
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. (IL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-14
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: WELLS FARGO & COMPANY (CA)

I was a victim of identity theft in which this Wells Fargo account Is a result of that. I have reached out to Wells Fargo for years now and they keep telling me that there is no case in there office I have recieved emails from Wells Fargo with a case number but I can never get any information to move forward. I have sent a copy of my FTC package and they have responded asking me to send verifying information in which I sent with the FTC package. This balance of {$140.00} has affected my livelihood for me and my XXXX kids. I keep getting rejected for an apartment because of this account that doesn't belong to me. The credit bureau keep saying that they. verified it's accurate BUT will not provide the information to me they just give a generic update.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NV)

Well my account was compromised on Saturday the XXXX I was locked out the account after clicking a fake chime link on XXXX I immediately called chime told them what happened and the so called locked the account I wasnt able to get in but the scam people was they then cleared my account out after crying and calling and telling chime everything they did nothing for days but keep me locked out the email and phone on my account begin to change daily multiple times after I call and have chime put it back to the correct email address and phone number they finally disputed my amount XXXX so its been locked in the account since the XXXX they havent been able to secure the account long enough for me to take my money out so I asked if they can please close the account there is no other way I have pleaded to the to close my account but it has been reopened 4 times after I have closed the account out They keep saying they will mail my money but they cant give me a date because someone keeps reopening the account daily which means Ill never get my savings I had with chime for 2 years now
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act This Account XXXX XXXX XXXX as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2024-08-13
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. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.