davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (MO)

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 use 1681. 

XXXX XXXX XXXX # XXXX XXXX  child support enforcement # XXXX, # XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- Account name : XXXX XXXX XXXX XXXX XXXXXXXX, - Account : XXXXXXXX XXXX XXXX  : XXXX, - Account : XXXX XXXX XXXX XXXX XXXX, - Account : XXXX XXXX XXXX XXXX : XXXX - Account : XXXXXXXX XXXX # : XXXX - Account : XXXX XXXX XXXX XXXX XXXX - Public record : Chapter XXXX bankruptcy XXXX date filed XX/XX/XXXX reference # : XXXX has violated my rights. 

I looked at my Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 US 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that tem of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has an awful method to set up autopay for small businesses. There is no easy way to set up autopay for my credit card to pay the statement balance. I tried to going in an setting up autopay for paying my balance in full and there is no direct option to set it up. I have to jump through hoops like go to this bill pay feature request ebills and then once I get an ebill set up autopay. 

When I asked why can't they have an easy autopay option to pay the balance in full like other banks ( eg. XXXX ) they told me they use a 3rd party for this service and that is what causes this. Given the size of bank of america they could have chosen to make this easier for their customers by investing in some simple technology that makes it easier. But they choose to ignore this problem because it is a way to generate easy revenue through late fees and interest by confusing customers and making them jump through hoops to set up autopay in full statement balance. 

This has caused me to miss my bill by one day. The bill was due on XX/XX/XXXX and I have paid it manually on XX/XX/XXXX and they charged me a {$39.00} fee. I called in and told them it is because of the complicated process they have for setting up autopay that I missed this bill and they still did not waive the fees. And they used the term " fair lending '' to say why they can not waive the fees. There is nothing " fair '' about this. 

I am attaching a screenshot of the billpay screen I see which does not given option to pay the bill in full automatically. 

In addition to this they have charged about {$210.00} in account fees on my checking account for me not maintaining the minimum balance. This was also deceptive. When I signed up they told me the account is free because I qualified because of the balance I have demonstrated previously and I will not have maintain the minimum balance going foward. But I never got a notification that they will start charging a fee after a certain time period. They only waived {$60.00} of the {$210.00} ... because of their " policy ''.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc. (MI)

I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

XXXX XXXX XXXX Hotel and Travel ) XX/XX/XXXXXXXX XXXX  ( Upstart ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy XX/XX/XXXX
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

Pnc bank has denied 3 of my disputes I submitted in relation to an authorized charge for XXXX $ I have reported this dispute 3 times it has been denied the reason for denial is because I did XXXX XXXX XXXX transactions which physical card is not needed for XXXX party transactions. They havent even tried to conductive any research just denies the authorized transaction within a day of me submitting it no temporary credits anything I have been banking with them for over a year I feel like an outsider the way I have been treated by this bank no one will help me with this.
Consumer complaint received 2024-05-15
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. (OH)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-15
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
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. (WI)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation (MO)

The XXXX XXXX XXXX XXXX took on a collection debt on XX/XX/2023 From One Main Financial. I obtained attorney to settle the amount from XXXX to XXXX which I signed off to pay. With this Law Firm it only accepts one form of payment to be a collection agency. Which this Law Firm does not accept my checking account due to its a debit card but I have never had any issues using my checking for ACH debit. With this being a Law firm collection agency how can they only allow one form of payment. The collection agent gave me the incorrect code For money gram. I believe they are making it hard for customers to make their payments to have to take them to court. They are rude and unprofessional. This Law Firm needs to be Investigated. I have filed a complaint with the Attorney General also
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
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. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-06-28
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. (OR)

My Chase card was charged for services that were never provided by XXXX XXXX XXXX XXXX XXXX ) travel company. I have contracted my Chase card representatives many times since XX/XX/XXXX when I discovered that XXXX would not be providing services I had paid for previously. Chase continued to deny reimbursement and although they SAY they contracted XXXX, that is impossible since XXXX has gone into liquidation and lost all funds belonging to customers. 

Date XXXX was paid {$1300.00} for services with Chase card : XX/XX/XXXX Date I learned XXXX would not provide services ( for XX/XX/XXXX travel ) : XX/XX/XXXX Date I contacted Chase : XX/XX/XXXX Date I received final denial from Chase XXXX XXXX : XX/XX/XXXX Chase DOES promise to honor claims for FUTURE travel yet has failed to do so. 

I have held this credit card since the early XXXX 's and am a loyal and good customer. 
Travel was illegal for over a year during pandemic so I could not use travel services I had paid for. Chase claims that the 540 day limit for claims still applies. I know that many card holders, INCLUDING Chase XXXX XXXX customers in my same situation have received refunds from their credit card company. Yet my Chase XXXX XXXX card continues to deny reimbursement.
Consumer complaint received 2024-05-15
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 reviewed my Consumer Reports and Noticed that I had a Few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for account ( XXXX XXXX ). ( Account # XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-08-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX To whom it may concern 1. USAA, this in connection to an alledged ( USAA account # XXXX ) debt that needs to be validated pursuant section 809 of the Fair Debt Collection Practices Act ; Validation of Debt.

2. Also, Pursuant 15 USC 49 Documentary ; depositions and wittness, I demand the financial documents/instruments/ and copies of Vehicle Registration filings in accordance 625 ILCS 5/ ) the State of Illinois hold jurisdiction in this matter.

Copy of Vehicle Title or ; copy of offical copy vehicle titlle Inquiry with the State of Illinois.

Either should show USAA as a lienholder in this alledged security interest.

3. UCC 1 Financing Statement a UCC form prepared by company granting credit, which would be USAA. When it is filed appropriately it gives public notice that a creditor has a security interest in collateral belonging to the customer documented in the statement.

4. I demand a copy of the instruments/ documents USAA is using to verify and report this alledged to consumer reporting agencies monthly.

5. USAA if the title is not in your possesion, then where is it and has it?

THIS PAPERWORK WILL FURTHER PROVE YOU ARE INTENTIONALLY AND KNOWINGLY REPORTING WRONG AND INACCURATE INFORMATION TO CONSUMER REPORTING BUREAUS. AS IVE SAID IN PAST CORRESPONDENCE USAA REMOVE YOURSELF FROM MY CONSUMER REPORT IMMEDIATELY OR UNTIL THIS ISSUE IS RESOLVED. 




XXXX XXXX
Consumer complaint received 2023-04-27
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. there is some inaccurate information reporting. XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT TREASURY Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-15
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)

There is Information that is on my consumer report that is a result of identity theft and are in XXXX!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer 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 WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. DELETE 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 Per 15 USC 1681c-2 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 within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1601 - U.S. Code The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To get all the following inquiries off my credit report.
Consumer complaint received 2024-05-15
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of birth XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Experian : ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

XXXX XXXX XXXX XXXX XXXXs reporting two open credit cards on my credit report, I only have one. Confirmed with XXXX in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

2. XXXX XXXX XXXXXXXX is reporting two open credit cards on my credit report, I only have one. Confirmed with XXXX in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.