davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
Consumer complaint received 2023-10-18
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. (IL)

YOU HAVE VIOLATED FCRA 15 U.S. CODE 1681S2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE & ( FDCPA 15 U.S. CODE? 1692E.FALSE OR MISLEADING REPRESENTATIONS ) YOU ALLOWED THIS DEBT COLLECTOR TO VIOLATE MY RIGHT. I ALREADY DISPUTED THESE INACCURATE ITEMS OVER 35 DAYS AGO AND YOU HAVENT NOTATED IT AS DISPUTED!!.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC (OR)

This company has called me and failed to tell me who they are or what their business is, just demanded my personal information. 
Then they have been calling my family and ex girlfriends and that is how I found out the are a debt collector
Consumer complaint received 2023-10-18
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. (IL)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-11-10
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. (CA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-18
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. (NJ)

The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance ( 3 ) an application for employment, or ( 4 ) a court order.

The Following inquiries are unrelated to one of the allowable purposes, as 1 has reiterated from 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 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
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance ( 3 ) an application for employment, or ( 4 ) a court order.

The Following inquiries are unrelated to one of the allowable purposes, as 1 has reiterated from 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 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
Consumer complaint received 2023-10-18
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. (CA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I have 3 late payments on Experian and XXXX reporting on XXXX. This is inaccurate and must be addressed. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it show these late payments? 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-11-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

Years ago, I took out a loan with SpringLeaf financial ( now known as One Main ) financial and my car was attached to the loan without my knowledge. Springleaf then refinanced my loan and took my car off of the loan. At the time, I owed XXXX... I've been paying $ XXXX for the past few years and my balance is not coming down. I called to see if the payment could be applied to the principal and not the interest and they told me no. 

I recently have been offered a modification to pay $ XXXX and the loan accures interest daily. I need to know how long I will pay on this loan before I pay it off. I think this company has been deceptive in the past and is trying to rush people to get loans by saying everthing is " time-sensative '' sp ... .Please help me!
Consumer complaint received 2023-10-18
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. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I booked a pair of international flight ( business class ) ticket via Chase XXXX, which paided XXXX usd and used XXXX Chase reward points. 
2 days before departure, I discovered that either Chase or the airlines cancelled my seats, without any notice. The fight was NOT cancelled. 
Chase XXXX agent and I called the airlines, the airlines refused to rebook my seat to business. I had to accept economy. This rebooking process also took XXXX hours and I've spent the entire afternoon of XX/XX/XXXX on this. 
As for service recovery, Chase XXXX agent offered to return all XXXX points back, which I accepted. All of this conversation has taken place on a RECORDED line. 
Recently, I contacted Chase and Chase XXXX for the points return and they have retracted on their offer/promise. I have spent countless hours with Chase and all they want to do is refund XXXX and XXXX points ( which is fraction to I paid ). 
Also I found out that Chase has outsourced Chase XXXX and the agents at the outsource company has caused many customers to suffer from their lack of responsibility and unprofessionalism.
Consumer complaint received 2023-10-18
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. (TN)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Account name 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

I paid for a roundtrip from XXXX XXXX XXXX XXXX XXXX XXXX, and back to XXXX  from XXXX, XXXX on XXXX XXXX  through my American Express card on XX/XX/2023, for {$1600.00}. 

When I went to the XXXX XXXX counter at XXXX XXXX on XX/XX/2023 for my scheduled flight back to XXXX  I was told that someone cancelled my flight, but it wasnt me, and the airline didn't know who it was. I know I did not cancel the flight. The counter official was in contact with XXXX in XXXX XXXX throughout our discussion. I pleaded with XXXX counter official to give me a boarding pass since I paid for the roundtrip flight and XXXX XXXX still had my payment. There was still room on the flight for XXXX more passengers. I spent about XXXX minutes or more trying to persuade the XXXX counter official to let me on the flight but to no avail. She said she had to leave and just said good luck. 

It was about XXXX XXXX XXXX XXXX  and I found a flight on XXXX XXXX to XXXX  that left in XXXX XXXX XXXX XXXX, But since the flight was nearly full and I booked it at the XXXX  counter with little time remaining for the flight I had to pay the maximum coach price which was {$1900.00} one way to XXXX. Even with a refund on XXXX XXXX  of {$1600.00} I would still be out {$200.00}. 

I came to the XXXX to marry and the marriage ceremony was wonderful and everything would have been great except trying to get back to XXXX, XXXX. I live in XXXX XXXX, Maryland. So I have requested the refund of {$1600.00} that I paid American Express for the flight on XXXX XXXX which the airline would not allow me to complete. 

I protested to American Express for the amount that I paid XXXX XXXX since even though I was able to fly from XXXX XXXX XXXX to XXXX, XXXX I had to pay {$1900.00} On XXXX XXXX to get back from XXXX to XXXX  XXXX XXXX. 

I said that in a statement to American Express. XXXX XXXX responded that I got a refund of about {$64.00}, which was a very small amount compared to {$1600.00} I paid for XXXX XXXX and {$1900.00} for XXXX XXXX. American Express just accepted whatever XXXX XXXX stated and not what I wrote and spoke to American Express.
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

XXXX  XXXX XXXX Balance : {$320.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I tried to create a free membership with Experian to manage security freezes, but their website has a technical problem where no matter how different my username and password are, it blocks me from creating an account saying " Your username may not include your password ''. I've spent hours on the phone with them trying to resolve the issue, and they would not recognize it as a technical problem and they have no tech support that I can contact. After calling over and over, working with the disputes department to confirm all my information was correct, they finally recognized that it might be a technical problem, and asked for a screenshot of the issue on XX/XX/XXXX. Then almost a month later, XX/XX/XXXX they said they forwarded it to their engineers to look into. I still haven't heard back, and I still can't create my account to control the freezes on it.
Consumer complaint received 2023-09-14
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. (FL)

In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have hired XXXX XXXX XXXX to handle this debt since they are not willing to work within my budget and expect me to pay what a mortgage payment would be each month. Lately, they have called family members, including my sister-in-law, and harassed them to get me to call them back. They are not working with XXXX XXXX XXXX and I'm expecting them to sue. XXXX has lawyers ready to fight for me and reduce what I owe. I've paid them XXXX 's of thousands to them over the years and my balance is not going down. I'm tired of their deceptive practices and harassments.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to express my extreme dissatisfaction and frustration with my recent experiences concerning my credit card account with American Express. I signed up for a 12-month 0 % APR promotion, but I have encountered numerous issues that have left me feeling deceived and mistreated.

1. **Interest Charges Despite 0 % APR** : I was shocked to see interest charges on my statements when I was supposed to enjoy 0 % APR for the first 12 months. When I inquired about this discrepancy, your representatives informed me that it was due to not paying the minimum balance. However, this is perplexing because no credit card obligates customers to pay a minimum balance during a 0 % APR introductory period. This promotion is designed to allow a year of interest-free payments. 

2. **Revocation of Initial Agreement** : To add to my frustration, when I began paying the minimum balance as suggested by your representatives, I was informed that my initial 0 % APR agreement had been revoked due to late payments. This was done without any prior communication, such as emails, letters, or notifications. This sudden change left me blindsided and with no knowledge of the agreement 's revocation. 

I believe that these actions represent misleading information and financial misconduct. It is extremely unfair to change the terms of an agreement without proper notice and then to charge interest retroactively. I have been a loyal customer, and I expected transparency and fairness from your institution.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

On XXXX the XXXX chime bank, close my account with no warning I have over {$550.00} in my account and they wont release my money to me. I have called them every day anywhere from 2 to 6 times a day trying to get information as to why they closed my account, Ive been asked to give them copies of my last four deposits, copy of my drivers license proof of my address. Ive submitted all this information more than once and the supervisor informs me that the team that works on reactivating your account only works via email. Only the supervisor tells me they just have to submit another email with the priority because I have not been able to eat in seven days because they have my money, they tell me to patiently wait that its gon na take another 24 to 48 hours before they can reinstate my account but theres no guarantee that they can reinstate my account and they told me to patiently wait. Ive gone seven days with no food I keep getting dizzy dont know that I can wait another 24 to 48 hours. I continue to get the same email from Chime. I will copy and paste it here they just change the name at the bottom as to who its from. This is the email response I continue to get. ( Hi XXXX, Thank you for reaching out to the Chime Member Protection Team. I'm sorry to hear about the difficulty you're experiencing with your Chime account. 

For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits. 

To help us validate the deposits, please contact the source of the funds to verify them as the source of the deposits and yourself as the intended recipient. In the meantime, I invite you to review the Chime Deposit Account Agreement. 

We regret any inconvenience this may have caused. If you have further questions, please respond to this message or give us a call at XXXX. 

Thanks, XXXX | Member Protection Team )