davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (PR)

I downloaded my Trans Union Credit report on XXXX and in accordance with the Fair Credit Reporting act. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account name : XXXX XXXX, Account number : XXXX According to TransUnion this account was opened on XX/XX/XXXX it doesn't state the year. This account was charged off on XXXX & {$9200.00} was written off. They state that the account was closed on XX/XX/XXXX however the last payment posted was on XX/XX/XXXX. 30 days late was reported on XX/XX/XXXX and according to the payment history there was no balance and/or past due balance reported until XX/XX/XXXX up to date. See Attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off was {$5100.00} TransUnion states that the last payment was on XX/XX/XXXX, it was closed on XX/XX/XXXX & written of on XX/XX/XXXX however there was no balance and/or past due balance reported from account closure until XX/XX/XXXX up to date. See Atached Credit Report. 

XXXX. Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} was written off. How is it that according to your records the last payment was made on XXXX the account was closed on XX/XX/XXXX and according to your history the rating was ok from XX/XX/XXXX - XX/XX/XXXX and in XX/XX/XXXX you started reporting a 30 day late report. The dates and information provided don't match See Attached Credit Report. 


This misinformation is hurting my credit report.
Consumer complaint received 2023-08-08
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. (IL)

I notified XXXX XXXX and XXXX and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting. 
( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I mobile deposited two work checks on my checking account number XXXX. The rst check was from XXXX for {$580.00} and the second check was from XXXX for {$1000.00}. I waited XXXX work days for the checks to go thru and after that time I checked my account on Chase XXXX and the money wasn't available still. I waited a couple more days, checked back again and all I had was the {$200.00} I had to deposit when I opened my account. 10 days passed and my paycheck was still unavailable. i went to the branch in XXXX, XXXX XXXX XXXX XXXX when would my money be available and they told me the checks hadn't gone thru. I went back to my bosses house and gave him the information I had just received at the branch, and he told me the checks went thru, and showed me the conrmation receipts of the money being transferred from his account. I went back to the branch with the conrmation papers that XXXX boss gave me and the workers tell me the checks never got deposited into my account, that my boss had the money. I came home and I decided to contact Chase customer service and they tell me that actually my account got closed due to fraudulent activity. The only activity on my account was the initial {$200.00} deposit and the mobile deposit of those two checks from my work.On XX/XX/2023 I received a letter from Chase in the mail, with a {$200.00} cashier 's check addressed in my name saying " We closed your account and attached a check for the remaining balance. '' I have been sick the past two weeks and lost my voice, so today on XX/XX/2023 as I was feeling better, I call the complaint department of chase ( XXXX ) and ask them for the rest of my money. I explain the situation and the worker says the checks got deposited into my account but he couldn't do nothing about it and had to transfer me to the Chase 's fraud department. As he did so, I start talking with the specialist and he starts by telling me the checks never went thru, when the worker had just told me they did. And as I'm explaining this to him, he corrects himself and tells me that he needs to verify the checks rst, more than 30 days after they got deposited. I get a little upset with the situation and asked why havent they verify the checks earlier, and he tells me I had to tell him to do it.
Consumer complaint received 2023-07-21
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. (GA)

I sent a request to delete an item on Transunion after I paid balance for XXXX XXXX ( XXXX ) account and has been paid since 2020.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2023-06-19
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. (IN)

Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right.

Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded.

Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late.

Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA.

I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly.

I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing.

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-03-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

This is not a duplicate this is not a duplicate my name is XXXX XXXX I'm a living breathing human being my address is XXXX XXXX XXXX XXXX XXXX South Carolina XXXX my phone number is XXXX is it complaint is against Experian on a file XXXX they have launched a consumer statement on this account with and was never asked to do so they have fraudulently included this statement on my account for everyone to see and put words in my mouth that I did not tell them to that is an illegal move from a cra I would like to have this removed or else I'm going to call law enforcement not the FTC law enforcement because you can not legally place anything on my credit report saying that I said it if I did not I did not tell them to place this therefore it is illegal for them to do so
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name is XXXX XXXX and I am having some issues with Credit Card department. I had originally applied for a XXXX XXXX XXXX in XXXX of 2022 to help rebuild my credit profile. In late XXXX I received my first statement but never received my card. I reached out to customer service and they advised me that they would send out a replacement card and restart my account so I can make the Annual fee payment after I receive my card. 
I then receive my second statement but did not receive my card again. I contacted customer service and informed them about my card, they agreed to send out a second card and again reset my account. I then receive my third statement and no card. At this point I called customer service and requested that my account be closed. I was told that nothing was reported to my credit due to this discrepancy. 
I recently got a copy of my credit report and not only did they report XXXX lates but they also reported XXXX different accounts. This is very damaging to my credit so I reached out to customer service to get these accounts removed as I never received the credit cards. I was informed that XXXX XXXX is unable to do anything about this and that it should be disputed through the credit bureaus. I advised her the information being reported is correct and is hurting my credit drastically. I requested to speak with a manager but was denied. The representative would rely my concern to the manager and the manager to would advise the representative what response to give me. 
The second time I reached out and was finally about to speak with a supervisor, she informed me that 3 accounts WERE NOT reported and that only 3 cards were issued. I advised that 3 accounts are reported and to please remove them or to transfer me to someone that could help with the situation. She insisted that I should take to the credit bureaus as they can not do anything about it.
Consumer complaint received 2023-03-24
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. (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. 

XXXXXXXX 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, has violated my rights. 

XXXX5 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-03-24
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: Stellantis Financial Services US Corp. (NJ)

THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 FIRST INVESTORS FIN XX/XX/2022
Consumer complaint received 2022-11-10
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. (MS)

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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.- -Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was getting XXXX XXXX during COVID and using the card each month, then suddenly the card did not work. I had a few XXXX dollars on it and I could not then buy food or other life sustaining items, When I approached Bank of America about problem, they said call XXXX XXXX, I did. Unemployment told it was Bank of America. This went back and forth for weeks. I never received my money due me and unemployment did not pay the rest of the money due me because they said the card was closed. I an still out that money due me and I want it. I have written both the Bank of America and XXXX XXXXXXXX 5 times with NO response from either of them. I have no ideas why they just stopped and confiscated the balance in the account, and no one will respond to my letters. Can you please help to get a response to clear this up? I would be very appreciative.
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Creditor is calling someone who is not me. I have tried to reach them through mail for debt validation and no response. The person they contacted was given all directions on how to look into a debt they say I owe and even provided the last 4 of my SSN in order for him to sign in to look at personal information. This person is NOT my spouse. The companies name is Portfolio recovery.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have contacted Capital One multiple times telling them to stop mailing credit offers to my home when the addressee doesn't live here. I have written RTS on the mail and even called them, to which the customer service associate told me that I would no longer receive mailings, but they still occur. I submitted a CFPB complaint ( XXXX ) on XXXX, and the company responded on XXXX saying they would do an opt-out for my address and addressee. So on top of them NOT doing that ( I received yet another piece of mail today, XXXX ), they also failed to fix the issue - XXXX XXXX DOES NOT LIVE AT MY ADDRESS SO STOP SENDING MAIL TO IT. That is not an opt out, it is a permanent remove from your system or fix. I've run out of options other than filing yet another complaint because they failed to correct the issue.
Consumer complaint received 2023-03-24
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: HYUNDAI CAPITAL AMERICA (FL)

I have tried and tried with all three reporting credit agencies to remove the credit report of the information of Kia finance since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed
Consumer complaint received 2023-06-19
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: Open Dealer Exchange, LLC (CT)

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX Inquired on XX/XX/2021
Consumer complaint received 2023-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/2023 a charge to XXXX for tires of XXXX Tires were never received XXXX verified and issued a refund of XXXX on XX/XX/XXXX then a second refund of XXXX a total of XXXX for a total refund. One tire was on back order XXXX could not refund for a tire not issued which is why there were 2 refunds. after a request on XX/XX/XXXX, Capital One issued a refund of XXXX in addition. This refund was an error. I should have never received the refund from Capital One on XX/XX/XXXX. On XX/XX/XXXX XXXX issued another charge for back ordered tire which I never did receive as well. There is an outstanding charge of XXXX on the current statement, which I have requested an investigation from Capital One.
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. (VA)

I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice