davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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: AMERICAN EXPRESS COMPANY (FL)

I have a wrong account " American Express '' on my XXXX  credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company XXXX  twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company XXXX  and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a third party collection department named " XXXX '' for settlement 100/100 calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my XXXX credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO. (CA)

Hello, This is a long story so I will try to keep it clean 1 ) I submit application to refinance my car loan with Chase on XX/XX/2020 2 ) Chase gives me a 11 % rate despite having a XXXX score ( 2 % higher than when my score was XXXX ) 3 ) I submit complaint ID XXXX after Chase can not provide an answer to how this happened. 
4 ) Chase responds and admits error. They change the interest to 5 % 5 ) I accept this and we move on 6 ) Chase Executive Office submitted fraudulent information about my the loan co signer to CA DMV. They used information we did not provide and swore it was true information to state of California.

7 ) Title is rejected by CA causing the co signer to be removed from the loan but not the title, 8 ) Chase for months never reached out and let me know this had occurred 9 ) Chase avoids me from XX/XX/2020 - until recently 10 ) They claimed it was an error I made and I am forced to spend hundreds of hours over two years and cost me hundreds of Dollars if not more.

10 ) After calling them out on social media they finally responded.

11 ) After two years of claiming it was my fault they quietly fixed the title proving it had nothing to do with me.

12 ) Chase owes me money and will need to rectify the situation 13 ) " whoops sorry about the customer experience '' wont cut it there has been criminal conduct, this has caused me real pain for a long time.

14 ) Chase needs to compensate me fairly for this its beyond the pale 15 ) I have overwhelming evidence everything I am saying is true.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under the Fair Reporting Credit Act the loan from XXXX XXXX XXXX is Inaccurate and it is Violating my Federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. This needs to be removed from my credit in 30 days or less because its illegal. This is inaccurate and whenever a consumer reporting agency report a consumer it shall follow the reasonable procedures to assume maximum possible accuracy of the information concerning the individual. This here is NOT accurate!
Consumer complaint received 2024-09-09
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. (NY)

XXXX XXXX  has been requesting my credit report from Trans Union 4 times a year for the past 3-4 years without my approval. There is no need for the bank to be doing this since I havent been a customer in about 4 years. I dont know what fraudulent information they are doing with my credit report but XXXX and Trans Union both were not able to help me and I want this stopped.
Consumer complaint received 2024-09-09
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. (IA)

Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 that inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX . XXXX were made without my knowledge.Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

In XX/XX/XXXX I contacted cash app about a transaction that was put through a few transactions actually that were put through on my card from the XXXX hotel I contacted the XXXX hotel and to find out what these charges are for and they were for things that I do you had no part in extra charges to the room that should not have been there they were very hard to contact and not willing to communicate back with me this is the very beginning of the pandemic so I notified cash app and try to attempt to open up a claim him on that charge and cash app kept giving me the runaround and kept messaging me back in like asking questions about the transaction even though I gave them all the information they needed. In the end they never opened up our claim for the for these charges fast forward to the last few weeks I contacted them again about these charges and they said I didnt contact them within the timeframe if they allow however I sent them an email showing that I didnt contact them regarding the issue and they do not wan na have any part in it I dont wan na hear about it In addition to that Im not able to access some of the statements that are they have online for me and I asked them for a paper copy and they refused to send me a paper copy I just dont know what to do at this point and I would like to have my money back for the transaction I tried to open a claim on and on my follow their rules and I contacted them and they never did it on their end its very hard to contact him because he can only do so by email you can not call them they will not call you they will not contact you or do anything like that and its very very difficult him to fix some thing with them theyre rude and Im noxious and their emails and condescending saying oh so happy to help you like in while Im angry in my messages its a really horrible They confirmed with me last month the charges im disputing After double checking at your account, I can see XXXX THE charged {$120.00} on XX/XX/XXXX at XXXX XXXX  CT, {$50.00}, {$25.00} and {$25.00} and {$76.00} on XX/XX/XXXX, more than 60 days ago. 

I quoted part of the email message that they sent to me him in XXXX however the previous year in XXXX I contact them multiple times to try to open this claim in every single time I was met with him instructions on how to open the claim even though I told him I want to open a claim and I will call them both for the charges on where it was the score and the reason it was for I even sent them an email from the XXXX hotel Im showing that they were being difficult with me and that I had contacted them to prove that I contacted them them
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have attempted to rectify this matter with Capital One Auto Finance in regards to a consumer credit transaction that took place. I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Capital One Auto Finance. Capital One Auto Finance has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have sent correspondence to Capital One Auto Finance, such as Debt Validation, Affirdvait of Truths, and Notice of Default/ Opportunity to cure. Capital One Auto Finance has ignored and has not responded appropriately. Capital One continuously abuses me and has caused great anxiety. They have threatened to repossess my property which is a violation of 15 USC 1692f ( 6 ). This includes infringing upon my right to privacy by having a third party come to my private property which is a violation of 15 USC 1692a. All documents were mailed and delivered to Capital One Auto Finance on XX/XX/2021.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There was a fraudulent charge on our account on XX/XX/2021 for {$110.00} at XXXX in XXXX XXXX and we have been disputing this with our bank for weeks and our claim continues to be declined because we " can not prove '' that we didn't make a purchase ... again, declined because we can not prove that we did not make a purchase. We have explained over and over to the bank that the card in question was not used, and the only card used to purchase anything at that XXXX was on the main account holder 's card for about {$55.00}. They are accusing us of fraud for {$110.00} while we're agreeing that all other purchases made that day were approved ... does not make sense and they are not willing to work with us at all on it.
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX equifax or XXXX  since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX FRAUDULENT ACCOUNT : XXXX opened on XX/XX/XXXX Inquiries : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SOFI TECHNOLOGIES, INC. (MA)

About two weeks ago, I received a debit card in mail that I never applied for. It was from SoFi. I never heard of them before this. There was no credit limit mentioned, but it mentioned putting money into the account. I found the whole thing suspicious. I called them today to tell them about it, and they said they would startt an investigation. I also told them to cancel the account! 
I called FTC after and reported it. The lady I spoke to said I would be getting an email regarding this. I never got the email!!! 
When I went back to FTC site, it said to report it to the consumer protection department.
Consumer complaint received 2024-09-09
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. (AL)

I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.
Consumer complaint received 2024-09-09
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. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-09-09
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 recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These CAN NOT be accurate because the XX/XX/XXXX late payment says it was 90 days late but my XX/XX/XXXX payment was on time which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately. Thank you
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX XXXX or transunion since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To my surprise and frustration, I noticed inaccurate accounts on my credit report tonight. I thought refreshing my browser might fix it, but the accounts stayed the same. Im asking for a thorough review of the documents Ive sent so that I dont have to live with this anxiety anymore.