davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-05-01
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)

Order # XXXX. Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from BestBuy online using my XXXX XXXX  credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from BestBuy. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with XXXX XXXX  and receiving a provisional credit. 

After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

My credit report is showing incorrect information that is causing me a lot of stress. The inaccuracies with my name, number, address, and employer are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

unauthorized withdraws from my account. 
XX/XX/XXXX {$200.00} XXXX {$200.00} XXXX XXXX {$200.00} XXXX XXXX {$200.00} XX/XX/XXXX {$300.00} pnc bank has denied the claim due to me having my debit card. I believe my card was cloned and this is how the money was stolen
Consumer complaint received 2023-05-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - PAID XXXX XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX ASSIGNED ON XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX -- / -- XX/XX/21 {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - PAID XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX ASSIGNED ON XX/XX/21 I have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my XXXX and Transunion credit reports. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Dear Experian Dispute Center, I am writing to formally dispute and seek the correction of inaccurate address information on my credit report, specifically in accordance with Metro 2 compliance standards. The reported address in question is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX It has come to my attention that this address entry does not align with Metro 2 reporting guidelines. In light of this, I am seeking your immediate attention to investigate and rectify this discrepancy to ensure compliance with the established Metro 2 Reporting Format.

In accordance with Metro 2 guidelines, I am prepared to provide supplementary documentation for address verification. Enclosed herewith is a copy of my cell phone bill, which serves as an alternative verification method meeting the requirements of Metro 2 reporting.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is XXXX the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am having issues with XXXX and Transunion regarding my credit score.

My credit score with XXXX and Transunion dropped 45 points from XX/XX/XXXX to XXXX XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from XXXX and Transunion what new information caused them to drop 45 points with zero success. 

Fico and XXXX, both have me rated between XXXX and XXXX, which is where I was with XXXX and Transunion until they decided to lower my score 45 points and can not explain to me why... 

XXXX and Transunion are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

Regards, XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
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. (GA)

I recently updated my personal information IE residential aaddress, phone number, angry the accounts with two of the three credit bureau agencies XXXX and TransUnion. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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 XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX 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 2023-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (UT)

On XX/XX/23 I received a letter from IC Systems, on the letter in giant bold letting it says " TOTAL AMOUNT OF THE DEBT NOW : {$290.00} '' Due to some health issues I wasn't able to call until XX/XX/23. I called to try and resolve the debt expecting to pay {$290.00}. I spoke to a representative named " XXXX '' and explained to her why I was calling, I repeatedly asked to pay the debt that is on the paper they sent me but she kept telling me I owed over {$700.00}. She then told me " yeah ... sorry the wording is weird on that '' but I'm not understanding how " TOTAL AMOUNT OF THE DEBT NOW '' can be taken any other way. She offered me a settlement of {$500.00}, which I wanted them to honor the amount listed on the paper. I felt this was very deceptive and a bait and switch to get me to call in so they could get my information. I asked to speak to a manager. 

Manager " XXXX '' got on the phone and just repeated the same thing she did, " {$290.00} was ADDED to the existing debt, it isn't what is owed '' even though the paper clearly says " TOTAL AMOUNT OF THE DEBT NOW ''. I tried to settle for even {$400.00} but they wouldn't work at all with me even though their notice they sent to me was extremely deceptive and I feel like it was a misrepresentation of the debt. I can include a picture of the paper they sent me, they even acknowledged they are seeing what I see but their answer was " it's worded really weird ''.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6300.00} XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery is furnishing multiple different amount over different reporting agencies and different information about the same debt along with information they got from pulling my credit history without my consent. Every month they change the payment, payment delinquent date, and other information, I disputed the account multiple times and every time they just put something they stole from my credit report, change something and keeps the collections on my account.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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 Number:XXXX Account Name : DPT EDXXXX Account Number:XXXX 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 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (FL)

XX/XX/2023 I did a balance transfer of XXXX with my XXXX XXXX  Credit Card 0 % interest promo for 12 months. Each month since i have made payment in excess of purchases made each month and paid substantially to reduce balance transfer. 

Each month they charge interest, the first 3 months i called and they reversed the interest charges. This month they stated i am to be charged interest on any purchases until the balance transfer is paid off. 

That is not what the agreement stated and it would make no sense to do a transfer if that where the case
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America debited my account XXXX a total of {$1000.00}. This withdrawal was unauthorized and with no notification so that I could review and contest. These monies were taken out while I was on vacation and was not able to review my account. The bottom line is I put my money in the bank for safekeeping. Bank of America released my funds through the ACH process and I have been harmed because of this. I have waited patiently from XX/XX/2022 and have made complaints in writing and verbally and in the presence of the bank financial centers virtually every day since I was aware of this bank fraud. I want my money {$1000.00} put back into my account. I have been with this bank for 50 years and can not believe Im being treated so shabbily. The bank should be ashamed and their fraud investigation department which has never contacted me to date should be investigated by the authorities.I asked that my account be made whole.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

Someone must have used my information to obtain a credit card or line of credit. 

I received a letter stating that a request for a credit product through Synchrony Bank for GUITAR CENTER was disapproved. 

1. I have no knowledge of a GUITAR CENTER. 
2. The address listed for Synchrony Bank is XXXX XXXX XXXX XXXX, PA XXXX. 
3. I have an account with Synchrony Bank and believe the real address to be XXXX XXXX XXXX XXXX, PA. 

This letter was forward from my previous address to my current address. 
I've moved in the last 30 days.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

I am writing in hopes that I can get my automobile title situation resolved as quickly as possible and would appreciate your assistance and investigation into this matter. The vehicle I am writing about is a XXXX XXXX XXXX - VIN # : XXXX. I was at the end of my lease on the XXXX from Hyundai Motor Finance and I decided to payoff/purchase the vehicle instead of returning it. I requested a payoff quote and mailed Hyundai Motor Finance a cashier 's check in the amount of {$10000.00} on XX/XX/XXXX. Hyundai Motor Finance received and applied the check to my account on XX/XX/XXXX. The only document I received from Hyundai Motor Finance for proof of payoff was a Paid In Full Letter ( attached below ). I asked if needed anymore documents in order to obtain my vehicle title and a representative told me they had submitted an electronic release of lien to the TxDMV. Unfortunately, I have attempted to obtain the title of the XXXX XXXX for the past year now with 2 visits to the XXXX XXXX  Tax Office in XXXX, TX with the representative telling me they have received no electronic release of lien from Hyundai and that Hyundai Motor Finance was still the owner of the vehicle. They told me the Paid In Full Letter and my copy of the cashier 's check was NOT enough documentation to complete the title transfer. Can you please help me obtain the vehicle title for my XXXX XXXX? I have tried in good faith to have Hyundai confirm they had already submitted an electronic release of lien to the TxDMV and there was nothing else they can do for me. I have read many other horror stories online on XXXX forums with other consumers having the exact same problems with obtaining vehicle titles from Hyundai Motor Finance. I am NOT alone in this predicament. It was recommended in those forums to file complaints with the XXXX and CFPB describing my situation as I am doing now over 1 year and 3 months later! I would appreciate a quick response to my inquiry. Please contact me at XXXX or on my cell phone at XXXX with any updates/next steps. Thank you for your assistance in this matter.
Consumer complaint received 2024-04-29
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. (IN)

PLEASE BLOCK AND REMOVE I urgently seek your assistance in removing the fraudulent inquiries from my credit report. These inquiries were not authorized by me and are causing me significant distress. It is unjust for me to be held accountable for them, as I did not initiate or approve these accounts. I implore you to promptly address this matter.