davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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: BARCLAYS BANK DELAWARE (FL)

Fraudulent charges were made on my sons Frontier Credit Card in XX/XX/XXXX. I had a card from this account in my name that I gave the front desk for incidentals when I checked in at the XXXX XXXX in New York. I did not realize that I lost my card the day I left New York and that {$450.00} in fraudulent transactions occurred on XX/XX/XXXX, & XXXX in New York. I shared with Barclays my documentation of my return flight and that I checked out of the hotel on XXXX XXXX, XXXX. I left New York and went back home to XXXX XXXX on XXXX XXXX. The only charge I made on XXXX XXXX was at XXXX XXXX before I checked out. I was not notified that any the fraudulent charges were being made on my card in XXXX as they were happening. Since XX/XX/XXXX, I have not charged anything on this card because I dont have it. As soon as I was aware of the fraudulent purchases, I disputed the charges. I spoke with Barclay numerous times and have formally disputed these charges twice and both times Barclay found the charges to be valid because they say " card possession activity was verified via text message, phone or email. '' That is simply not true. Every month my family ALWAYS pays our credit cards in full and we all have good credit ratings. Barclays has erred in their investigation and we need it to be rectified. 
Thank you for your attention to this important manner.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

Discover sent a letter to me stating they were in error for charging me late fees and credited my account in XX/XX/2017 {$930.00} with interest. I call discover to update my credit report not to show times late and they have not done so. I submitted a dispute with XXXX  which they sent to discover and still did not change the late times on the report.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I notified Chase that I had gone into a Time Share with XXXX XXXX in XXXX XXXX, XXXX XXXX and that they had charged my account {$2100.00} and {$2900.00} and another {$900.00} and that when I got home was when I noticed these transactions because there was no Wi Fi there and I wasn't aware of this. I also told them that I had 3-mailed XXXX and cancelled the contract within the cancelation period ( 4 ) days. They suggested that I get a new debit card and close my checking and savings accounts and open new ones, which I did. When I met with a bank representative and I gave her a copy of the contract ( pg.6 ) and a copy of a signed authorization for {$2100.00} so that she could fax it to their claims department. 

On XX/XX/XXXX I received a letter from Chase stating that they gave me a temporary credit while they researched my claim. I called asked them if they needed me to submit any other papers or anything to validate my claim and they said no that they will take care of this. 

On XX/XX/XXXX Chase returned my money to XXXX without informing me. 

On XX/XX/XXXX I was going to pay a bill and that's when I noticed that Chase had given XXXX my money. I called them and they told me to resubmit my claim. 

On XX/XX/XXXX I want to the bank and resubmitted my claim ( I couldn't attach copies, I will mail them ) since then I have been given the runaround. 

On XX/XX/XXXX I called the claims department to see if they needed anything else and how far along they were with my claim and I was told that I would be getting a phone call soon. 

On XX/XX/XXXX I called the claims department again to let them know that I still hadn't received the phone call and was told to call within five ( 5 ) business days. 

On XX/XX/XXXX I called the claims department and spoke to XXXX. I told him that the five ( 5 ) business days were up and what was going on with my claim and he rudely told me that I had to take my problem up with XXXX. I told him that I was Chase 's client ( customer ) and that I had done everything that Chase had asked me to do like getting a new debit card, changing my checking and savings accounts and they still paid XXXX I wanted to know from what account did they pay XXXX when on XX/XX/XXXX my old accounts were already changed and they were not supposed to go into my new account. 

To date, I have not heard from XXXX.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card/ Goldman Sachs continuously performs adverse actions against me the consumer. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Apple Card/ Goldman Sachs has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance payment online, initially my payment was accepted. Apple Card/ Goldman Sachs then reversed the payment after many days. I spoke with a couple representatives and reminded them of their fiduciary duty to transfer the debt. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later Apple Card/ Goldman Sachs reversed the charges once more. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against Apple Card/ Goldman Sachs for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance payment or the original security contract deposited for bailment purposes.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX {$1800.00} XXXX XXXX reporting open on a closed account XXXX XXXX XXXX  {$230.00} XX/XX/XXXX reporting open on closed account XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reporting open on closed account I believe these accounts are invalid
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a loan with XXXX XXXX. I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (PA)

I was genuinely shocked to see inaccurate accounts pop up on my credit report this morning, and I cant understand why. I regularly check my report, but today I found discrepancies that seemed to come out of nowhere. I attempted to refresh my browser, hoping it was just a glitch, but the inaccurate accounts still appeared. Given this upsetting situation, I am requesting a careful review of the documents I sent so that I can stop worrying about this matter once and for all.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (MA)

My family have been experiencing hardship this past year. I have previously applied for credit protection for this reason. I have been able to access my credit protection as the credit card company continues to charge me late payments and fails to communicate with me to resolve this issue. I reached out several times and spoke to a few people resulting in no resolution. I have submitted proof of acceptance into a work-search program months ago for which I am still in the program. I also stopped receiving unemployment benefits in XXXX. I emailed proof of last payment by sending my personal account information displaying the last payment date. They have not responded. This has been going on too long and they seem to be intentionally destroying my credit with bad business practices.
Consumer complaint received 2024-10-22
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. (IL)

To my disbelief, I discovered this morning that there are accounts on my credit report that shouldnt be there, and Im clueless as to why. I always monitor my report, but suddenly, there are issues Ive never seen before. I refreshed my browser thinking it was a technical issue, but the errors remained. I now ask that my documents be thoroughly reviewed to ensure this never happens again.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (WI)

On or about XXXX XXXX I spoke with a representative at Experian about some Identity Theft on my credit report. I asked them to remove/delete these items from my report immediately. I was told that I have to file a complaint with the FTC and CFPB. The items in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (FL) (FL)

My insurance company XXXX XXXX did n't pay the full amount which was a mistake on their part so I was put in collections for remaining balance. Since then XXXX XXXX has paid the full/agreed amount and transunion has taken the collection off but XXXX has not taken collection off.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (PR)

XXXX My life address is XXXX XXXX XXXXXXXX XXXX y never live in the states i never brought a car in the states this account is not mine, i have prove of working here in PR and water and electricity bills with my name. 

BB & T account its not mine the information is Inaccurate and incorrectly I am writing to dispute a charge of ( {$4300.00} ) The charge is in error because i never brought a car or anything from BB & T. 

I suffer a identity theft in the same year, this is not the only error or fraud that the person made.He made the same in XXXX XXXX XXXX with another car, its sad for me because i am trying to buy my dream house i am a veteran and i think i deserve better. 
This is the police report number : XXXX made in XXXX XXXX XXXX XXXX I made this report in XX/XX/2019
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 2022-02-24
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: EQUIFAX, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-22
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. (WV)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name ( XXXXXXXX XXXX ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2018-06-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2022-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Date of Birth XXXX Social Security : XXXX Current Date : XXXX Re XXXX XXXX XXXX XXXX  : Transunion Concerning : XXXX XXXX XXXX XXXX XXXX Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. THIS IS CONCERNING ANY AND ALL XXXX XXXX XXXX XXXX Thank you for your time and help in this matter. 
Thanking you in advance, XXXX XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed this creditor on my credit report XXXX. with XXXX and Equifax more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the XXXX and Equifax keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.