davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 2024-08-31
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)

XXXX is reporting incorrect and false on my consumer report and said all the information is verified. XXXX removed all these fraudulent accounts including names and addresses that never belonged to me ever!! Who is XXXX XXXX XXXX. As per FCRA once XXXX bureau removed all false information you have to do the same. This causing a great burden to me as I have been the victim of identity theft. Please see attached exhibits as proof of claim. I also sent a cease and desist and they are still reporting which is third party communication and that is forbidden. And according to cfpb.gov the law requires companies to delete disputed unverified information from consumer reports.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (VA)

Credit when used properly can be an important tool to ensure financial stability and to see on through difficult times. This was the purpose of me establishing a line of credit through XXXX via Synchrony Bank sometime in XXXX. I was approved for {$6000.00}, and since opening the account I have never been late with a payment, missed a payment, and the transaction history shows that I have paid off some purchases made with this line of credit. On or around XXXX of this year, Synchrony Bank decreased my available credit to {$4000.00}, which was just about the balance I had on the account. This decrease is harmful to me in several ways : 1 ) It unfairly decreases my credit score because of the change in available credit despite having never missed a payment, 2 ) It does not allow me to use the credit as I intended and build a better credit score in the future, and 3 ) it is harmful to the economy that utilizes credit as currency. 

This is not the first time Synchrony Bank has approved me for a line of credit and then decreased it as punishment for utilizing the tool they gave me. This is just my first complaint.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

The loan was paid off with the lender, the lender did not process the payoff payment amount in a timely manner after being recieved. The lendor then reported the account as 30 days delinquent on the credit report with caused the XXXX score to decrease. All attempts to contact the lender gets caught in an automated phone loop where it is impossible to speak with a live person.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

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 2024-08-25
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. (OH)

Transunion is not taking me seriously about this account on my credit report. They keep saying it is verified as accurate, but not providing the information. On my end, the account owed states a different amount. Also, there are XXXX different numbers reported on this XXXX account. Past due balance is XXXX, but amount owed is XXXX. It does not make much sense to me.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (SC)

XXXXXXXX XXXX is stating owe them money for class I did not take. I spoke with my academic advisor he told me I had a XXXX balance and ask him to withdraw me from the course and program. Also, I received a refund from the school. If I owed the institution any amount of it would have been taken out of the refund check or would not have received a refund at all.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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. 

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 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 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 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 2024-08-04
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: U.S. BANCORP (CO)

I purchased a replacement windshield from XXXX XXXX XXXXXXXX in XXXX, CO for my truck on XXXX, XXXX  and paid {$680.00} with my Elan Credit card.The windshield installed had a manufactures defect with distortion in the glass obstructing the field of vision. The dealer knew or should have known the manufactures defect was present at the time of installation. I promptly contacted my credit card company Elan Customer Service XXXX and was advised to " contact the merchant ''. I contacted the merchant and was stonewalled. I then engaged the professional assistance of the XXXX XXXX XXXX XXXX XXXX XXXX of Colorado for assistance. The XXXX  was stonewalled by the merchant as well. I then filed a formal dispute with Elan, my credit card company who has denied posting the {$680.00} credit to my account after I followed their recommendations.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-28
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. (TX)

Today, on XXXX Currently there is an existing complaint against Attorney General of Texas and Equifax ( both in cahoots to report inaccurate information on my consumer credit file ). Complaints : XXXX and XXXX. 

This complaint is an addition to the existing complaint. 
The XXXX XXXX XXXX Texas ( hereinafter XXXX ) does not have permissible purpose to utilize my consumer report for any reason. XXXX XXXX support does not arise from a credit transaction and as a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 

1. Since XX/XX/XXXX, I have been reporting the inaccuracies and being ignored. The XXXX and Equifax are knowingly reporting against consumer objections that XXXX XXXX  is in the category of a LOAN and that I am some how a CONSUMER in the XXXX XXXX transaction. This is false. I have never received a loan nor received any credit from the State of Texas. 

2. The XXXX XXXX XXXX  Texas does NOT have : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

SEE, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-15
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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (IA)

I have had a Chase Amazon credit card for several years. On XX/XX/ I received notice that Chase had reduced the credit line on the card from {$8400.00} to {$5600.00}. That is 33 %! In addition I received an alert from a credit watch agency that this reduction in credit impacted my credit score by a significant number of points. 
My credit balance at the time was approximately {$5000.00}. 
I have never had a late payment on this card or any other loan or credit card on my credit report. 
Chase stated in a letter the decision was made because my credit balance was too high and my payments have been too low relative to the balance. This is false. In fact, approximately 11 months ago, I paid off the entire balance to {$0.00}. 

I feel this is an unfair and discriminatory practice. I have a contract with Chase where they offer me an amount of credit, and in turn they charge me a substantial interest rate and I agree to pay my card on time. I have always fulfilled my end of the contract to pay my bill on time, They did not uphold their end of the contract and it is unfair that they can unilaterally change contract features and break the contract. 

In the past, when I have asked Chase for a reduced interest rate on my account, the request was denied stating that they are unable to change any of the parameters because the contract is set and they can not change it. Were they lying to me? They changed my contract without my permission. I have been fulfilling my end of the bargain and they have broken the contract. It is an unfair credit practice and it has harmed me by causing a decreased credit score, which in turn puts me at a disadvantage should I want to pursue other financial ventures such as buying a home or car.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (TX)

Name company : CREDIT CONTROL LLC Address. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Acct number XXXX Law 15 usc 1692c9 ( c ) If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated.
Consumer complaint received 2024-07-26
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: LEXISNEXIS (VA)

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 XXXX 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Credit report is showing a {$4900.00} balance for a closed account with XXXX XXXX XXXX. 
The balance is {$0.00}. The account is closed and PAID/NEVER late. 
Credit card ending in XXXX
Consumer complaint received 2024-07-25
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: JPMORGAN CHASE & CO. (WA)

My complaint is about not being able to opt-out of spam marketing related to my Chase credit card. 

My time is precious and I should be able to opt-out of all marketing related to ( financial service ) business I have a " relationship '' with. I do have a Chase credit card. I do not want Chase spam. 

Reputable companies include a link at the bottom of their spam allowing a recipient to manage which emails are sent to them. Chase does not. They should. 

Here 's what's at the bottom of the " Good news : XXXX, you may qualify for more spending power if you update your income '' email I received ( and should not have received because I'm the consumer and I should be in control. ) NOTE : notice there are no links to unsubscribe or manage which communications I received - XXXX XXXX should be hauled in front of a congressional inquiry to answer for why his company does this. Seriously. Treat the consumer with greater respect and empowerment or don't do business in the XXXX. When I went to the chase.com/CustomerService, I wasted more time looking for the unsubscribe/manage communications link. It's not there and should be included directly in the email anyway even if it is buried somewhere on chase.com Email Security Information : Email intended for : XXXX For your account ( XXXX ) ending in : XXXX If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

* TERMS AND CONDITIONS : Credit Limit : We may also refer to your credit limit as your credit access line or your credit line. 

ABOUT THIS MESSAGE You have received this email to give you updates and information about your Chase relationship. 

This email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

Chase XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

JPMorgan Chase Bank , N.A . XXXX FDIC 2024 JPMorgan Chase & Co . 

XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG HOLDINGS INC (TX)

There is a collection account reporting on my credit report listing you as the original creditor of account XXXX which has an alleged balance of {$240.00}. I do not recall having an account with you, nor do I recall receiving correspondence from your company about this alleged debt. There was nothing sent to me informing me that this alleged debt was being sold to a 3rd party company. Furthermore, I have no information about this account or collection agency. The collection agency listed is XXXX XXXX which is not very specific being that there's many companies with this name. I reached out to who I thought was the collection agency and they stated that they did not have an account for me. I am requesting all information related to this account within 15 business days or this account is to be removed from my credit report immediately. Your company has been in many lawsuits due to illegal practices.
Consumer complaint received 2023-10-27
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: NAVY FEDERAL CREDIT UNION (FL)

Hello, Please completely remove me as authorized user from the Navy Federal Credit Union crediXXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Consumer complaint received 2023-03-15
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (CA)

Between XXXX and XXXX there was multiple fraudulent charges to my account in the amount of {$860.00}. I immediately noticed the charges but had to wait for them to post before I could dispute them. Well they said 10 business days I would get provisional credit so I waited and the 10th day I called and they said my dispute was denied and they sent me an email but they never sent me any email. I don't understand how they could say no error occurred if I didn't make the transactions and I reported them immediately so they would know. I followed all there rules and they're still not giving me my money they are thief 's. The charges were as followed XXXX XXXX XXXX XXXXXXXX XXXX XXXX0} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATM withdrawal fee for {$2.00} It's not fair and not right I should've never tried to get account with these fraudsters they're stealing my money. I've read a million bad reviews I wish I could've seen before I made account
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

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.