davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (NJ)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 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 about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX XXXX, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-02
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. (NJ)

This company has entered a debt on my credit report. I have contacted the company in an attempt to understand what it is for and additional information, without a response. 
I sent certified mail with return receipts on XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I have also disputed this information with the credit reporting agencies on multiple occasions and was informed that the debt had been validated. I find this highly suspicious when I can't get a response from the company.
Consumer complaint received 2024-09-26
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. (TX)

Subject : Dispute Regarding Prolonged Investigation and Inaccurate Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my credit report by the credit bureaus. It has been over 30 days since I initiated an investigation into multiple accounts that are not mine, and I have yet to receive any notification of the investigations results or an extension of the investigation period. According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete their investigation within 30 days and notify me of the results within XXXXive business days thereafter1. 

Despite this requirement, I have not received any communication regarding the status of my dispute. This lack of response leads me to believe that my information is being neglected and improperly used. I am deeply concerned about the potential misuse of my personal information and the impact it may have on my creditworthiness.

Additionally, I have identified multiple accounts on my credit report that are tied to incorrect Arizona addresses. I live in XXXX. I am confused. These inaccuracies are not only misleading but also detrimental to my credit profile. I request that the credit bureaus comply with XXXX XXXX standards to ensure that my personal information is not being improperly used and that all inaccurate accounts are promptly deleted from my report. 

I urge the CFPB to intervene and ensure that the credit bureaus adhere to the FCRA guidelines and take immediate action to rectify these issues. Your assistance in this matter is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-06
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. (TN)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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.

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 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NY)

Signed up for carecredit at the recommendation of my XXXX. My confirmation screenshot shows that I qualified for both interest free if paid for with x months, and reduced APR. 
My total XXXX  bill was for the amount of {$3400.00} on XX/XX/XXXX. But for whatever reason, this was broken out into XXXX payments. 
XXXX payment for {$260.00} for a DEFERRED INTEREST/NO INTEREST plan 2. payment for {$3100.00} for a FIXED PAYMENT REDUCED APR plan The 1. Deferred Interest Plan and the 2. Fixed Payment Reduced APR Plan are both referred to as PROMOTIONAL plans, but they both operate very differently. 
In fact there is nothing PROMOTIONAL about the Fixed Payment Reduced APR Plan. Upon using it, it immediately charges the consumer compounding interest of 18.90 %. Not what someone thinks about when they think about a promotion. 
The alleged promotion here is NOT charging 32.99 % interest. 

Upon reading the statement, and terms of conditions, it appears that there is particular attempt to use language in a way specifically so to make it confusing. Promotional is used to describe multiple different variables, " Promotional Balance '' " Promotional Expiration Date '' " Promotional Purchase '' Also referring to the APR Plan as a " Fixed Payment '' plan, it gives the implication of no interest, despite this not being a fixed payment plan. 

The statement describes the promotional balance of each plan like this " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION ( XXXX ) EXPIRING ON XX/XX/XXXX. '' When it says 'you must pay each promotiona balance in full by its expiration date ' for the Fixed Payment Reduced APR Plan it is saying you must pay off the entire loan immediately to avoid interest. 

Since initially signing up, i've made multiple efforts to setup autopay on the phone, and have continuously resulted in missed payments, additional fees. The website has required several attempts to finally get on, it seems poorly designed and has limited accessibility.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I was notified that my information was exposed in multiple data breeches so I pulled my credit report to check them for any information that should not be on them and noticed that I had a public record of a bankruptcy, and several inquiries that I did not authorize as well. Please remove the public record and the following inquiries from my report. i have attached a copy of my FTC report to the complaint.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Larry H. Miller Group of Companies (AZ)

I acquired a car with Prestiage Auto Loan on XX/XX/year>XXXX  and even though they did not fully provide the information about interest rates, simple interest, and how the interest is accrued. For example, they stated that the first payment was not due until XX/XX/year>. When I was trying to figure out what the best payment was I reached out to customer service several times trying to get an answer. It was not until the 4 call that I was told that the interest from the payment made in XXXX was paying for interest accruing from XXXX. Therefore, meaning that any payment I was making was paying for the interest for the previous month, you could never get ahead. 

More recently I called today XX/XX/year>XXXX  since I have been making payments since XX/XX/year>XXXX  every week and it being the middle of XXXX, I did not see any payment being made on my credit reports which should have been reported by now. I asked them two simple questions 1 ) Do they report to the credit bureaus? 2 ) when might they report to the credit bureaus? After getting the run around from customer service to collections. only to be told they could not answer those questions and they did not know anyone in the company who could answer that question for me. 

This leads me to believe that they do not report to the credit bureau since they were saying they would try to find someone who could answer the question for me. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and that they are predatory lenders.
Consumer complaint received 2024-09-26
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. (TX)

n 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 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXX .... XXXX # XXXX .... XXXXXXXX  ... .. # XXXX .... XXXX .... # XXXX ... XXXX .... # XXXX... 
XXXXXXXX XXXX XXXX ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX ... # XXXX ... .. XXXXXXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX  .... # XXXX ... .. XXXXXXXX XXXX XXXXXXXX .... XXXX ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX XXXXXXXX XXXX. 15 u.s.c. 1681 section 602 A. State 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. 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-10-14
Product: Credit 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: TapTap Send Inc. (MA)

Two unauthorized money transfer of {$200.00} each made from my bank account Company 1 : Taptap Send ( money transfer app I have never heard of or do business with ) Company 2 : XXXX ( my Bank Account ) Date : Transaction 1 : XX/XX/year> -- Amount {$200.00} Transaction 2 : XX/XX/year> -- Amount {$200.00} Called both companies while the transaction status says Pending but both companies did nothing to stop the transactions.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my accounts and then they started to report after they were closed. I called them and asked to be placed on a program and they said they didnt have any programs. I made my payments even after the accounts both personal and business were closed and they still reported me late. Also, they reported my business card on my personal credit. I never signed or agreed for this and this is very misleading, and they should not be conmingling a business card that belongs to the business to my personal credit profile. 
They dont try to help the consumer at all and the dont disclose properly what will be furnished to a personal credit profile. When the business applied for the credit card it was with the EIN not my social so they should have never reported the card on my personal credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to makecertain that everything is accurate. 
I am writing to formally dispute the inaccuracies contained in my credit report, which I obtained on 12/01/21 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I have the right to dispute information that I believe is inaccurate or incomplete.

Upon reviewing my credit report, I have identified multiple discrepancies regarding the accounts listed below that require immediate investigation. I have attached a Dr 's Note to show that i was in hospital during the date the account was opened.

According to 15 USC 1681c-2, any negative information that can not be verified must be removed from my report. Additionally, under 15 USC 1681b, I demand to know if the reporting entities have followed proper verification procedures. 

( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

I demand that these discrepancies be corrected in my credit report as obligatory under the law. 

INQUIRIES 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} - I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX  {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress. As a victim of identity theft, I have already reported the incident. It is crucial to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CO)

This compay is sending me unsolicited credit offers even though I have already PERMANENTLY OPTED OUT via XXXX. 

This is malicious harassment and I will file criminal and civil complaints against American Express if they do not STOP sending me unwanted physical mail with unsolicited and unwanted credit offers.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (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. 

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>