davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (TX)

I was solicited through XXXX XXXX for a personal loan for up to {$10000.00} with good approval odds. I proceeded with the application, and it wasn't until after the application was approved that they they notified me that it would be a secured loan, using my car. One of their loan officers, XXXX, called me minutes later to discuss the loan. I asked her to have the inquiry deleted, since they changed important details of the loan that I was seeking. One of the questions that they asked in the application was if I owned my car outright, which I do. I have a feeling that they use this for more people other than me to give themselves better positions in the loans that they offer. Either way, she said that all I had to do was call the credit bureaus and ask them to remove it, since I didn't want to go through with the loan. I advised her that it is not that simple and that what she is suggesting is not at all how the process works. I informed her that the credit bureaus need a release/statement from their company before they would remove anything. She restated her previous statement. I asked her if there was someone else available that I could speak with. She said that she could give me the number for customer service but that they would tell me the same thing that she did. I asked for someone there who had a better understanding of how all of this works, and her branch manager had conveniently already left for the day. I asked to be transferred to someone else again and stated that I needed to speak with someone that knows how to handle this better than she does and she hung up on me. I tried to call back and she ignored my call. 

Not only am I very unhappy with the invalid inquiry that has already shown up on my credit, but I am also very displeased with how rude XXXX was, the fact that she lied or didn't know the basics of her own field, and the fact that she stonewalled me from being able to correct the issue that they caused.
Consumer complaint received 2024-09-16
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. (TX)

I have reached out to the ombudsman due to your negligence regarding account XXXXXXXX XXXX XXXX. Despite numerous dispute letters and formal complaints submitted to the CFPB, this issue remains unresolved. The attached documentation will show that this account has inconsistent late payments across the credit bureaus. For instance : One bureau report 90 days late, another reports 120 days late, and A third bureau shows no record of a late payment at all. According to the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate and consistent across all credit bureaus. This level of discrepancy directly violates these principles. The failure of XXXXXXXX XXXX and the credit reporting agencies to resolve this issue, despite the documentation provided, raises serious concerns about their compliance with the FCRA. In light of the XXXX XXXX XXXX XXXX decision by the XXXX XXXX XXXX XXXX, furnishers of credit information are legally required to conduct a proper investigation of disputes. Failure to do so could constitute a violation of the FCRA, which entitles me to seek damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance..
Consumer complaint received 2024-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (IL)

On XX/XX/year>, my wife and I each requested tax documents from Bask Bank via secure message due to XXXX online access to account documents. Bask Bank informed us the documents would be mailed, but we never received them. 

On XX/XX/year>, I called to request electronic delivery of these documents. The first representative disconnected the call after approximately XXXX minutes on hold. When prompted to rate the employee, I gave a low rating and was disconnected. 

I called again and spoke with a different representative who had no record of my previous call. This representative promised to send copies of statements for both my wife and me shortly after our call, but insisted we submit a second secure message request, claiming our XXXX request was " too old '' despite the delay being caused by the bank. 

Following this call, we only received copies for my account, not my wife 's. This necessitated another lengthy phone call. As of now, we still do not have copies of the tax document for my wife 's account. 

This situation demonstrates : XXXX. Failure to provide timely access to important tax documents XXXX. Poor customer service and communication XXXX. Inconsistent handling of document requests XXXX. Unnecessary bureaucratic hurdles for customers We request immediate provision of all requested tax documents and an explanation for these delays and difficulties.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-10-08
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life.

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.
Consumer complaint received 2023-04-04
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. (IL)

XXXX. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX Act. # XXXX XXXX XXXX  Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX
Consumer complaint received 2023-04-05
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. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently sold my house on XX/XX/XXXX and closed on the new one the same day. All three credit bureaus sent me notification that my score went up XXXX points after selling old house which showed I satisfied that loan as being paid off. However this week all three bureaus reported that because of my new home my points dropped on all three bureaus. How is that possible? It seems unfair how these credit bureaus report. I paid my first payment on my new house XX/XX/XXXX which wasn't due till XX/XX/XXXX. I need assistance as no one has responded or advice how my score can go down.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sent Disputes out that have not been verified and are still reporting inaccurate information. The accounts are still reporting on my consumer report. This is a clear violation of the FCRA. You can not report any negative information on a consumer report if you know the information is inaccurate. You must have proof showing that its accurate. You must do a proper investigation and DELETE AND BLOCK ANY INACCURATE INFORMATION YOU FIND DURING THE INVESTIGATION IMMEDIATELY.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I used my Chase Sapphire Card to charge a flight to XXXX on XX/XX/2023 with XXXX XXXX,. 
I had to cancel the trip due to medical emergency. The Chase ID number for the flight is XXXX XXXX. I called Chase to cancel the flight on XX/XX/XXXX. 

I learned through both Chase Sapphire and XXXXXXXX XXXX  that I am eligible for a refund for my trip because of medical reasons and was told by Chase to send medical documentation to XXXX. 
I did that twice on XX/XX/2023 and XX/XX/2023. 
Chase gave me a case number XXXX And a ticket number XXXX. 
I have been calling Chase Sapphire Travel repeatedly since XXXX XXXX and XXXX and they have not acted in a competent matter to get me my refund from XXXX XXXX. I have to use Chase Sapphire to act as the middle person to get my refund because I booked the trip with them.
Consumer complaint received 2024-09-16
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)

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX  XXXX. for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Consumer complaint received 2020-01-07
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: Bread Financial Holdings, Inc. (CA)

I borrowed {$1500.00} from XXXX XXXX for my XXXX   XXXX on XXXX XXXX XXXX. By XXXX of XXXX I owed {$600.00} in principal but was charged {$270.00} for interest bringing my balance to {$880.00}. Thats almost 50 % of what I owed. Around this time I had to move out of my home temporarily due to the fires in XXXX County and the smoke affecting my XXXX and XXXX so I couldnt make this complaint at the time and since then have been just trying to survive but making payments for all of XXXX and XXXX but this companys policies are so unfair to the consumer specially someone like me who had to relocate because of the fires  and now pay double the rent I was before and have a lesser paying job so cant make any big payments any more but 2 years of making payments has not put a dent in this debt. 
My statement ( attached ) shows that I paid {$480.00} of only interest in XXXX. 
My statement ( attached ) shows that I paid {$200.00} of interest in XXXX. 
So in the past 2 years Ive paid a total of {$690.00} in interest alone and more in payments for an original balance of {$600.00} and I still owe this company {$670.00}. 
This is taking advantage of a consumers situation and unfair business practice. The interest rate for this XXXX XXXX card that advertises to be interest free XXXX XXXX is 28.49 %. 
Also XXXX XXXX cards set the minimum payments to an amount that pays off the original borrowed amount during the interest free period. XXXX  did not do that therefore misleading me into an unpaid balance at the end of this period. Thats not customary of XXXX XXXX cards. I have other cards and have paid them off completely but seems like the situation with this one is a set up for collecting huge never ending interest.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-16
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-01-19
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: EQUIFAX, 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. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2024-09-16
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. (TX)

I have discovered inaccuracies in my credit report that do not align with my actual financial records. These inaccuracies violate the Fair Credit Reporting Act, under the provision of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to uphold rigorous standards of accuracy in the information they report about individuals. Enclosed are the documents that substantiate my claims. I insist on a prompt investigation and the necessary corrections to these errors.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.