davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VT)

I first notified Citicards of a significant overpayment ( electronic bank payment ) on my credit card on XX/XX/XXXX. I have contacted Citicards several times to refund the excess payment ( most recently today, XX/XX/XXXX ). 

On XX/XX/XXXX, a helpful supervisor told me she would investigate the delay in the refund but would not be able to get back to me for XXXX hours and could not tell me when I might receive the refund. It has already been XXXX business days since I notified Citicards of the refund request, and still do not know when the funds will be refunded to my bank account. 

My understanding is that under Federal Trade Commission rules a credit card issuer must refund an overpayment within seven business days after they receive a customer request. 
Thank you for any assistance you can provide in this matter. I also am interested in learning whether my situation is unusual or whether this is a problem that other credit customers have had.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-21
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. (MD)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
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: SANTANDER HOLDINGS USA, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-10-28
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. (FL)

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 XXXX XXXX, 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 XXXX, XXXX XXXX XXXXXXXX, has violated my XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
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. (SC)

I am writing to express my concerns regarding several issues I have experienced with the credit bureau. These issues include billing errors, inaccurate credit reporting, multiple unauthorized inquiries, incorrect address listings, and accounts that do not belong to me.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Total Auto Finance (VA)

XXXX XXXX XXXX has taken full advantage of me with violating my consumer rights by doing fraudulent and misleading acts. The company has gouged up the price of the used vehicle I am leasing and repossessed my vehicle after 19 days of being late on my payment. In XXXX, I leased the used vehicle and made a down payment of {$1700.00} for the vehicle. My monthly payments were {$520.00}. The company finance department has added another {$120.00} to my monthly bill. The advertising price was {$14000.00}, however, the company over gouged the price of the vehicle to {$29000.00}, plus.
Consumer complaint received 2023-11-25
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. (VA)

These are fraudulent accounts please remove immediately below is a list of accounts and dates showing as opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

In XX/XX/XXXX, a scammer tried to illegally access my XXXX XXXX, and then my CHASE Bank credit card accounts from " offshore. '' XXXX XXXX noticed and then closed my accounts, and sent me copies of my financial archives. I notified CHASE and they closed my checking and credit card Visa accounts also ; and denied any login. I called the online banking ( or was directed to their Fraud department ) to request copies of my archives. I was told to send a paper letter to their Delaware office, which I did, and it was postmarked XX/XX/XXXX. I have not gotten any response whatsoever, and never got any copies or zip file of my financial archives. 
I need the entirety of both archives ( which are not lengthy bc they only go back to XX/XX/XXXX ). The reason I need my archives is because my XXXX, XXXX storage room was burglarized  by a professional burglar in XX/XX/XXXX ( police, insurance and storage facility immediately notified ). I really need PROOF OF PURCHASE TO file my INSURANCE CLAIMS, and I am time limited to complete those claims. I had much in the storage room that was on my bank statements, and those are not supplied by CHASE Bank. The letter includes all account numbers and also the address that I was told to send it to. 

*** Please note that my Complaint is about TWO related accounts at CHASE, and this Complaint form only let me click on one part. My question is whether I will need to call your support line to create a new Complaint ( part XXXX ) to file a complaint regarding getting the Checking account information. In the letter, I have stated the full account and routing number of the checking account that Chase is withholding information archives from me. 

[ Additionally, I have much information on the scammer who tried to access my accounts, and can provide information on him to the appropriate party, either this agency or the FBI. I believe that he scams many other women also, as we contacted on an online dating site. 
But at this time, I am trying to get copies of ALL my PURCHASES and statements. FYI, a law office, XXXX  XXXX XXXX, is working on other aspects of my closed accounts with CHASE, XXXX XXXX XXXX XXXXXXXX XXXX  for ( I don't know correct legal term ) abuse of customer rights. Chase keeps reporting late payments, and simultaneously refuses to send my contract to XXXX XXXX XXXX that has an office in California. There are big issues with XXXXXXXX XXXX XXXX XXXX XXXX. XXXX fraudulently posted to credit bureaus that I didn't pay my bills, although I was current with and even paid more than the minimum. All this has ruined ( for the next few months ) my credit rating, and I am unable to get new credit cards until then. I've not been able to get a job, and I am now below poverty level, although I have a useful XXXX degree and years of experience. ]
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was paid and settled, however, this account is still showing on my credit report with inaccurate information. I have tried to dispute this several times through XXXX several times and XXXX each time as refused to acknowledge nor delete this as a goodwill deletion.
Consumer complaint received 2024-04-28
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. (NV)

Looking over my documents I notice that I do not have a copy of the contract that I have with Equifax the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Equifax to ensure that they proper documentation from me stating that I gave them some form of permission or to show proof of some contract to report these accounts on my credit profile.. May Equifax provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

My new account is with XXXX. AESXXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX XXXX XXXX. I want all AES/XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Consumer complaint received 2023-11-14
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. (FL)

I recently reviewed my credit report and found the followings unauthorized inquiries : Creditor Name Inquiry Date XXXX XXXX XXXX XXXXXXXX. TRANSUNION XXXX XXXX XX/XX/XXXX, TRANSUNION XXXX XXXX XX/XX/XXXX, TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX, TRANSUNION I have already XXXX the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate |
Consumer complaint received 2023-12-21
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. (TX)

I am writing to formally express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent and persistent efforts to rectify this issue, the inaccuracies persist, causing severe harm to my creditworthiness and financial well-being. 

There are multiple fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my ongoing attempts to address this matter by following the established dispute procedures, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct an urgent and thorough investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that clearly demonstrate the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (DE)

For over 2 years I have and a " hit-or-miss '' ability to access my Paypal account. The purchasing side and the credit side are now both inaccessible. I have a credit balance I want to pay down or pay off, but after I sign in the site just spins and I can't transact anything. On the purchasing side, I can't use pay pal as an option through a vendor site to make a purchase. Again, it just spins. I have called, emailed, and texted and all I get is '' I have never heard of such a thing ''. Then I contacted Synchrony Bank, which backs the credit side, and they said, " It's not their problem ''. Despite many hours of trying to get them to fix the problem, no one listens. I even had a computer programmer come in and be sure my computer wasn't acting up. This is the only site that has this issue for me.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning EXPERIAN will be liable to me for statutory damages for EXPERIANs misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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. (TN)

i reported XXXX re-aging my account to equifax and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' equifax said they did an investigation and the re-aging dates were still on my account. 
as per the attachment equifax never did an investigation or made sure the debt was valid on their site. 

equifax let XXXX  re-age my account for their persoanl gain. 

equifax complied with bridgecrest and since transunion gets paid by bridgecrest to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.