davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, my Chase reserve card ( I paid {$550.00} annual fee, which includes fraud protection ) was charged a fraudulent amount of {$190.00} by XXXX. We ordered one Smart Garage Door Opener on XXXX for {$190.00} and paid the entire balance with the XXXX gift card and XXXX credit card ( {$150.00} with our XXXX gift card and {$40.00} with the XXXX credit card ). However, XXXX also charged us another {$190.00} on the Chase credit card. As a result, we were charged twice for one product. In XXXX, we called XXXX four times to dispute this charge, and XXXX mentioned that the charge on the Chase credit card was not from our XXXX account and could not further assist with this issue. They recommended that we dispute this fraudulent charge with our credit card company. 

On XX/XX/year>, we submitted the claim to Chase along with all supporting documents ( including Chase bank statements, XXXX purchase receipts, and all other supports to prove the fraudulent charge ). We requested a call back/follow up from Chase should there be any more information needed. However, we were not contacted and we did not receive any refund. We decided to call Chase on XX/XX/year> to follow up. We were told that there's not enough support provided and the claim was rejected. We have provided everything. Chase went ahead and closed the claim without letting us know and refused to reopen this claim. We have called and spoke with multiple Chase representatives on this and have exhausted everything we can do, but Chase has refused to respond to our request. We need help and protection as every day consumers.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Certified U.S. letters and supporting documentation were sent to Experian, XXXX, and XXXX credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from Experian were in ( Report Number XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (LA)

I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from XXXX XXXX XXXX and the creditor is XXXX. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for XXXX. I called XXXX and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call XXXX. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in XXXX. I need them to remove this from my record and not have this associated with me in any way.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/2013 I loaned a car, a XXXX XXXX XXXX XXXX, which I was set to pay off over a 72 months period. At the end of the 72 months period while I was preparing to make my final payment, the car dealership, Santander U.S.A, Notified me that they had extended my loan. I've been paying off the balance but it never truly goes down ; I was not in the position to confront this problem before but i refuse to let Santander U.S.A take advantage of me.
Consumer complaint received 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I looked up my report on XX/XX/2024, and contacted agency to noticed some things are incomplete and not accurate. 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. These accounts listed XXXX XXXX-XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 

I looked back on my report XX/XX/2024 and contacted agency again, to noticed some things were still incorrect and inaccurate. According to 15 USC 1681i 5 the agencies are suppose to do these ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 

A description of the investigation 15 USC 1681i ( 7 ) : ( 7 ) Description of the reinvestigation procedure a consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later then 15 days after a request from the consumer for that description. 

Though, this did not happen...

Therefore, according to 15 USC 1681s-2 agency aren't supposed to furnish any information relating to consumer to any consumer agency if the person knows or has reason to believe that the information is inaccurate
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Were it not for the colossal failure of data security at Equifax or its inexplicably legal business model of furnishing an enormous trove of personal information without consent, I would not have had to place a security freeze on my credit report in the first place. When I initially placed the freeze over a year ago, the process to unlock the freeze with Equifax was more straightforward. I was given a 10-digit pin that would allow me to lift the freeze should I ever be inclined to apply for credit.

Now Equifax has phased-out this old process in favor of a new product called Lock and Alert, which nullified the PIN I was originally given to lift the freeze. Instead, I was directed to take their ID quiz whose questions had nothing to do with any credit history, public record or tradeline I have ever held. To my amusement, I failed this quiz, because no option applied to me for any question it generated. I actually work for a credit card company in their fraud prevention department, which makes this all terribly ironic, but I've used a similar product with our own customers, and I feel this gives me special credence to say that this product is utter garbage. These ID quizzes frequently fail legitimate customers and perpetrators of fraud often pass, because they know how the questions are generated based on the info in the CBR. 

So the next step is a passcode letter, mailed to my address where I've lived for a couple years now. Upon receipt of the letter, I went back to the website and entered the code, only to be given a message that this request can not be processed at this time, and to call in. I did not call, as I do not wish to speak with some XXXX who will certainly be unable to help me. This is now a weeks-long saga of trying to create an account -- not even to lift the freeze at this time, just to have the ability to lift it if I need to. 

I'm not surprised that Equifax has made this process so difficult. They can provide all their talking points about keeping my information safe, but I know better. Their business model depends on selling access to reports and information to creditors. Security freezes put too much control back into the hands of consumers, so it's in Equifax 's interest to put up roadblocks to enroll in this account, especially given that it's free. It's not a subscription-based service like their overpriced, junk credit monitoring products that rely on scare tactics, and in reality do nothing to prevent credit applications from being instantly approved online. Instead, Equifax only stands to lose by allowing more control to consumers over access to their reports. A security freeze is the only true way to secure your information, but it runs afoul of their business. I think they know this all too well.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Westwood Legal (MI)

They called me in regards to an extremely old debt. They were very rude & aggressive & told me they were going to place a freeze on my bank accounts & garnish my wages in the amount of a XXXX figure even though the actual bill is around XXXX. I dont know if this company is legit but they had all of my information, including my full social security number. They called me on Wednesday XX/XX/19 from phone number XXXX but Im the voicemail, requested that I call back at XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX XXXX 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 XXXX XXXX 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 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 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX Account Name : DPEDXXXX Account Number : XXXX Account Name : DPEDXXXX  Account Number : XXXX
Consumer complaint received 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair 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.

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX  open date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXXXXXopen date is not reporting correctly, date last activity, date of last payment is not correct, this account is not accurate I also got the investigation back but noticed nothing was modified or updated So I requesting a description of the reinvestigation and they do not provide me which is a violation of 15 USC 1681i7.

Violation of 15 USC 1681i ( 5 ) They have not responded to me here is my tracking number : XXXX that was sent certified and someone signed
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MN)

Chase states on their credit card website " Pay this balance every month by your due date to avoid interest on new purchases and prematurely paying off your flexible financing offer balances. ". This action was completed days prior to the due date and yet they charged interest. Speaking with Chase customer service directly they stated you need to have XXXX revolving balances for 2 months, or pay the entire balance off, in order to avoid interest. No where on their website, or monthly statements, is this communicated. Its a clear bait & switch of providing an 'Interest Savings Balance ' number, and then still charging interest. Omission of facts is a lie- and they clearly mastered that on their website/statements. Communicating all this to Chase Customer Services yielded multiple redirects, blame placed on 'the system ', no reimbursement for the incorrect interest, and finally the escalation team hanging up the call as they were not able to provide any resolution. Predatory and lack of resolution are the themes.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed in several dispute letters to Transunion about the incorrect address. This address is not mine. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tn XXXX. The correct and only address is XXXX XXXX XXXX, XXXX, Tn XXXX.
Consumer complaint received 2024-06-19
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. (CA)

Hello, i am complaining here because i have contacting XXXX reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, XXXX has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. XXXX ( unauthorized company inquiry ) - XXXX XXXX XXXX ( Date XXXX ) XXXX ( unauthorized company inquiry ) XXXX XXXX XXXX ( DATE XXXX ) I HAVE ALSO CONTACTED XXXX  XXXX AND LET THEM KNOW ABOUT TJE INFORMATION AS SOON AS I GOT THE NOTIFICATION TOLD THEM TO IMMEDIATELY CANCEL THE CARD THAT IT WAS DONE FRAUDULENT AND THEY CLOSED IT IMMEDIATELY AND WE MADE A INVESTIGATION CLAIM REMOVE THESE UNAUTHORIZED INQUIRES ASAP THAT WERE PROCESSED FRAUDULENTLY AND INDENTITY THEFT RESOLVE THIS ASAP PLS.
Consumer complaint received 2024-06-12
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-06-12
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. (MD)

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.

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 2024-06-12
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. (FL)

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID.

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Consumer complaint received 2024-06-12
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)

15 USC 1681 ( e ) b 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 ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Bankruptcy Chapter XXXX Bankruptcy, has violated my rights . 

I looked at my Transunion credit report on XX/XX/year> 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 USC 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 item 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.