davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (MA)

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 paty.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 2024-06-04
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to file a complaint against Capital One, Dept of Education, and XXXXXXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NV)

I received an email from Wells Fargo on XX/XX/XXXX, stating they were closing my account on XX/XX/XXXX, in the email they stated. They would pay any checks drawn on my account, even if I didnt have funds to cover it. And any negative balance I would have to pay Wells Fargo back. They returned XXXX checked previously written for my rent and deposit. Which is going to make me have to move, in which I dont have the funds for. They chose to close my account for a check I deposited, and they didnt even wait to see if the check would clear first. They are not following what they said they would do. And they are now giving me a different reason why the checks were not paid.
Consumer complaint received 2024-06-04
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. (LA)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (NV)

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 2023-10-27
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion continues to provide inaccurate and incomplete information on my credit report regarding XXXX of XXXX XXXX # XXXX and XXXX # XXXX accounts that they say are mine. I have repetitively disputed these accounts for incompleteness and inaccuracies, and requested that they post a Notice of Dispute on these accounts which is required under FCRA Section 623 ( a ) ( 3 ). Unfortunately despite my multiple verbal ( on the telephone ) and in certified written requests on this matter they have ignored me, continue to report these accounts without a Notice of Dispute ( see attached highlighted ) and have now forced me to pursue civil litigation to correct their documented misbehavior if they do not immediately removed these accounts for this violation.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (MN)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-10-27
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have been fighting with Chase Bank about numerous XXXX XXXX and other charges between XXXX XXXX XXXX. I got XXXX different police reports, am pressing charges against the individual for fraud, and they still said the charges were " valid '' even with all of that ... .. That being said, I am done fighting with chase over XXXX week of transactions. I thought about letting the card get sent to collections and then sending them the police reports and having it removed as fraud, but, I actually like this credit card. It was a tough decision, pay XXXX worth of fraud to keep a credit card and not mess up my credit for 6 months getting it worked out with collections. So I go to cash in my reward points, they are missing for the fraudulent transactions. I understand that, with the back and forth, of course eventually they would just suspend the points until the conclusion of my fraud case. Well its been concluded, so I call and get it verified that XXXX points are being held up because of the fraud claim. I can't get transferred to that department, but someone will call me within XXXX hours about the points. To my XXXX, someone actually called me, not so shockingly they said they had no clue what the call was for and would have to " research and call me back. '' No one called me back, so I called chase again, this time it is escalated, no one will be calling, and I should wait for a letter. This entire time I am paying interest on the charges. Come on Chase, I am willing to pay the XXXX fraud charges and you still can't give me the points, or make it this difficult. So disappointing.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

After reviewing my credit profile I noticed a fraudulent account per following XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX  47 % {$470.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$470.00} XXXX Equifax XXXX XXXXXXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX 47 % {$470.00} XX/XX/XXXX {$1000.00} {$470.00}
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

This is the 3rd issue in 12 months. I mailed a check for payment on account on XX/XX/23 for {$50.00} and then on XX/XX/23 I mailed a check for {$140.00} for a charge incurred on XX/XX/23 well within the billing cycle. Neither check has cleared yet. Checks sent to other businesses sent on those dates have been received and cleared. XXXX checks have not been removed from the mailbox Previously checks have been received and cleared within 4 days. This is not the first issue with this company. I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded within 4 days within the billing cycle. These people should be investigated.
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Management Resources (OK)

AMR contacted me VIA robo-call on XX/XX/2020 @ XXXX and again on XXXX/XXXX/202 @ XXXX. They left a voicemail both times, explicitly stating that it was a debt collection attempt. I have asked previously for an itemized invoice, but have stated specifically for them not to call my cell phone number as it is also a work phone. This is a 3rd party debt collection.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (GA)

On XX/XX/year> I sent a letter to XXXX XXXX requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

XXXX, stated that this information would remain and they will not investigate any further regarding this issue.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I attempted to purchase a new cell service plan from XXXX XXXX which requires a credit check. I tried to unlock my Equifax credit report freeze myself on line but their site would not allow it and said to call them. I called Equifax and after XXXX minutes of working my way thru their misleading and confusing phone system and saying no to attempts to upsell me, an agent was reached. After being on hold for a XXXX minutes was assured that it was unlocked. However, it was not. This same routine was repeated multiple times each day on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. The conversations were also complicated by a language barrier. The employees did not speak XXXX that was clearly understandable. Twice during this period ( on XX/XX/XXXX & XX/XX/XXXX ) I managed to reach a higher level agent and each tried to get the credit report released. After being put on hold multiple times both said the freeze needed to be addressed by a technician. A promise was made by each agent to get it fixed by the next day then call and let me know. No calls were received and my credit report remains frozen as of XX/XX/XXXX at XXXX. This treatment is totally at odds with the service Equifax promises on their website. In effect they have stopped me from purchasing products I want and need.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XXXX I submitted dispute letters to XXXX, XXXX, and Equifax for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

ICS said the account was opened XX/XX/2023 but I had been with XXXX for at least 2 or three years. The account status says open but when I called XXXXXXXX XXXX fraud dept, they said there was no information on my account that I owe anything. 

I talked to customer service and they said the same. I had a debt like this years ago and it was paid because I had XXXX  ( now XXXX ) after that, which wouldn't 've have happened if the debt wasn't paid. Again, years ago. 

This is fraudulent. I only received the debt from ICS and then they appeared on my credit report. I can provide my service provider billing info at the time for XX/XX/XXXX because I wouldnt have two different internet companies at the same time. 

I told them to prove i owe it to which they said i owe them in response. I disputed and they said in the email, " thank you XXXX XXXX for your help, you can set up payment arrangements for the amount. 

Back when they were billing me this- I called XXXX and the lady said someone at my old address racked up the bill. She said she would take care of it and I heard nothing for months until I had it on my credit. I don't mind paying what I owe, but not what I don't owe. I was part of the XXXX compromise and have had numerous problems since.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX . I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/024
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Contacted care credit to have XXXX fees waived, since I would like to pay the balance in full before the promotional time expires. CareCredit only provide me a {$41.00} credit out of {$130.00} in late fees. As a single mother, going to financial hardship, I saved up to pay the balance in full and I can not afford to pay for additional fees. $ XXXX {$35.00} and I am being charged $ XXXX {$49.00} a late fee. I am a full-time student who didnt have consistent income at the time, but still made payments and now Im in a position to pay the balance in full. I just can not afford to pay any higher than what I owe minus the fees.