davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-11-06
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. (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 NumberXXXX Account Name : XXXX  Account Number:870349 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have contacted Penfed Credit Union numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling PenFed about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that PenFed notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called XXXX and requested for my credit profile to be reviewed and the CSR verified that no car loan from PenFed was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call PenFed and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my PenFed Credit Union has not reported accurately to my credit profile after XXXX months of paying on time payments to the company.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I had a {$2000.00} credit limit with PayPal, I was a little over my limit because of interest, I had made all payments and I paid the balance in full. They first added interest to the account after I had paid the balance in full the same day. Then they decreased my credit limit to {$100.00} after I had paid the entire card off. The same day the payment processed they decreased the credit limit to {$100.00}. 

I messaged customer service because I thought there had to be a technical issue but they told me that they had a periodic review and I would receive information is XXXX business days. I asked to speak to someone else or for there to be an additional review and they said they didnt have any additional information and that I would receive a letter. I stated that this was unacceptable that customers should be rewarded for paying off their accounts not punished and they didnt have a response. I said I wanted to close the account and they closed it. 

This is incredibly bad practice, for me to pay off the entire balance them to slap interest on it the same day, I pay the interest, and they lower the account by {$1900.00} dollars.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (RI)

I made a purchase on XXXX of several computers which never arrived and had trouble getting a refund from XXXX. I purchased the computers using my XXXX card, with two split payments for the same computers from the same seller. 

I obviously disputed both charges, and one of them was reversed with absolutely no difficulties ; however, the other was not. And even though I explained the situation to XXXX card support and they were confused why one refund was approved and the other was rejected despite being exactly the same in nature, nothing changed. 

I have tried disputing again several times to no avail. However, it definitely seems like their dispute decisions are completely arbitrary given that a split purchase for the exact same item ( items were bought and shipped together ), with the exact same information provided and at the exact same time yielded different outcomes. 

( The charge of {$XXXX} was successful reversed, however, since this happened so long ago I was not able to find this email. However, if this documentation becomes necessary, Im sure I can recover it. The latest email for the rejected purchase of {$XXXX} is attached, however. I did not include the first several dispute decisions, though. )
Consumer complaint received 2024-01-23
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. (MO)

Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My car was totaled on XX/XX/XXXX and CAC payment form XXXX XXXX  and Gap insurance. They stopped reporting to the credit bureau. This is when the mistakes began. The balance left of my account is {$3600.00} some odd dollars. They reported it after receiving the payments form Gap and XXXX XXXX  as being {$8300.00} even though in my account it showed a balance of {$3600.00}. I disputed this to no avail with Credit karma. However after 2 months it has been updated and now currently reflects the current amount of {$3600.00}. Here is where the second problem begins. They are now reporting my account as behind. It is saying 30-59 days late. But in my account when I log in says I have no payments due until XX/XX/XXXX. I called them about this on XX/XX/XXXX and more errors. When the agent answered the phone she said my balance was {$3600.00}. She then said that I owed them $ XXXX and that my account was past due. However after my car was totaled and I called and spoke with a representative I was told that the $ XXXX reflected in my account was based on the {$3600.00} being spread out over the life of the loan a total of 8 years. My bottom line is they are misrepresenting facts and it is preventing me from getting another vehicle. I can't have a payment due in XXXX of this year and be behind at the same time in XXXX?
Consumer complaint received 2024-01-23
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. (NE)

Disclosing nonpublic personal information to affiliates and nonaffiliated third parties must be done in accordance with Section 6802 of Title 15 of the United States Code. This section pertains to the privacy of consumer financial information and sets forth requirements for the protection of nonpublic personal information. 

Section 6802 outlines that a financial institution must provide notice to consumers about its privacy policies and practices. It requires the institution to disclose the categories of nonpublic personal information that it collects and shares. Additionally, the section establishes the conditions under which a financial institution may disclose nonpublic personal information to both affiliates and nonaffiliated third parties. 
A consumer reporting agency shall not furnish, for employment purposes or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless certain conditions are met. The limitations on the disclosure of medical information are outlined in the Fair Credit Reporting Act ( FCRA ), specifically in section 604 ( g ) of Title 15 of the United States Code. The relevant part of the provision states : " A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( 1 ) the consumer grants express consent as required by section 1681b of this title; and ( 2 ) the medical information is relevant to the employment, credit, or insurance transaction. '' In summary, a consumer reporting agency is prohibited from providing consumer reports containing medical information for employment, credit, or insurance purposes unless the consumer has given explicit consent, and the medical information is relevant to the specific transaction. This provision is designed to protect the privacy of consumers ' medical information in certain contexts governed by the FCRA. 
It's important for financial institutions to follow these guidelines to safeguard the privacy of consumer financial information and maintain transparency in their practices. 

I am writing to follow up on my previous request to have certain information removed from my credit report. I submitted this request on XXXX and as of today, I have not received any response or confirmation regarding the status of my request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I question the validity of your verification process, as I have yet to receive any valid verification or explanation for the existence of these accounts. Despite my previous disputes and your assurance of a response within a week, it has been 30 days, and I have received no information or resolution regarding these distressing accounts. I demand immediate action to remove these fraudulent accounts from my credit report. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
It is crucial to note that the lack of verification for these accounts raises serious concerns about the accuracy and integrity of your reporting process.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, 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. (PR)

Experian keeps reporting a XXXX  account paid in full and more than 7 years old. This account should be removed from my report. 

This item was already removed by XXXX  Credit Bureau.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

Since XX/XX/XXXX I am requesting Banco Popular to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/XXXX.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (TX)

Personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

Incorrect names : XXXX, XXXX, XXXX XXXX, XXXX Incorrect addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect employment information : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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. (IN)

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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX  Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-16
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. (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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX has violated my rights. Or 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 2023-06-08
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: Experian Information Solutions Inc. (PA)

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX XXXX {$110.00}
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (CA)

CFPB complaint ID XXXX was inappropriately closed without the desired resolution. JPMC has acknowledged that feedback has been submitted to XXXX regarding the incorrect categorization of my wedding honeymoon fund contribution as a cash advance. In addition to this outreach, the specific transaction must be re-classified to remove the cash advance label, and all fees / interest / miscellaneous charges must be refunded back to me in full. There is a higher obligation beyond reporting the concern to the credit card network. A consumer-specific resolution is also required.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

The account is reported as completely incorrect. I will attach proof of payments for as far back as my bank can pull statements for the reported late payments, but the last state of activity, the last state of payment, the payment history, the account balance, everything on this credit item on my credit report looks to be incorrect.
Consumer complaint received 2024-01-10
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 (CA)

My financial institutions is Bank of America. In XXXX of XXXX, I returned from XXXX to find multiple unauthorized charges against my account. At first I thought my card must have become compromised when using it out of the country, but then I learned the charges had come from the XXXX, in XXXX. My home is in XXXX and I have never been to XXXX  nor do I know a single person whom resides there. B of A flagged some of the charges as suspicious activity and I filed a claim for the ones they didnt catch. 10 days later, they provided me a temporary refund while investigating the claim. They canceled my card and told me I would receive a new card in the mail. Only 2 days later, all of the refunded money plus {$500.00} more was taken. I immediately notified B of A, They filed another claim, canceled the second card claiming to send another. I had to wait another 10 days for the refund but it never came. I called and was informed my claim was denied. I filed a dispute and finally got someone in customer service to help me get to the bottom of things. When I told her I had not received either of the XXXX cards sent, we began to suspect the mail was being intercepted and my cards fell into wrong hands. Turns out my account had been accessed and my mailing address had been changed to XXXXXXXX XXXX XXXX. She used this information in my appeal and they refunded the second claim. 2 months later I received insufficient funds notice due to B of A denying my original claim and taking the money back. The amount of financial hardship this has cost me and continues to cost me is outrageous and unacceptable. I refuse to allow them to neglect responsibilities to protect my account. They dismissed the fact that my account was accessed and my personal information had been changed to persons outside of my state, indicating a breach of security.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a XXXX Hard Inquiry on my Credit File that I did not apply for, approve, nor did I authorize this inquiry to be applied for in my name. Please delete thisi nquiry off of my Credit File. I have XXXX police reports filed and sent to each Credit Bureau showing my Identity theft.
Consumer complaint received 2024-07-15
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

The unfavorable rating on my account is a source of serious alarm. I'm gravely concerned about its impact on my creditworthiness. This negative mark has already resulted in the rejection of a recent loan application and higher interest rates on my existing credit accounts. The financial strain and emotional burden this adverse rating has imposed, and will continue to inflict until resolved, are substantial.