davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (TX)

I used my Chase Sapphire Reserve credit card for a military moving deposit to XXXX XXXX XXXX as XXXX separate transactions, {$2500.00} on XX/XX/2021 and {$2200.00} on XX/XX/2021. 

The contract was to pay for moving BY WEIGHT. This was agreed upon up front with the moving company because the US Army was to be reimbursing the move as an XXXX XXXX XXXX  move and they only reimburse by weight and not by volume. 

On the day of the move XXXX XXXX XXXX contracted the pick up to a third party company who loaded the truck then gave an estimate for more than double the price as charged by volume. I called the coordinator to dispute this who would not help. The third party moving company than tried to extort me for {$1000.00} in cash to get my stuff back off the truck requiring me to call the police. The movers eventually agreed to take my stuff back off the truck under the threat of being charged with theft by the present police officers. 

I did not request to cancel the move. I wanted the agreed upon charge by weight but XXXX XXXX XXXX treated it as I willingly cancelled the move and refused to refund me the deposits. Chase refused to chargeback my deposits saying while I may have a valid dispute with the merchant, they were valid charges despite the merchant not adhering to the agreed upon moving charge by weight and not volume. I tried to contact the merchant who even has it in their contract that deposits can be used for future moves if not returned and they do not return any of my emails or calls.
Consumer complaint received 2024-07-10
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I opened a checking and a savings account at Citibank on XX/XX/XXXX. I decided to open these accounts to take advantage of ads I was getting via mail. The offer stated I'd be earning {$400.00} or {$500.00} after opening the accounts and completing the required activities which included depositing {$15000.00} or more in new to Citibank funds. Upon completion of all required activities, I received a letter from Citibank informing me of the future closure of both of my accounts. They simply state Citibank don't want to do business with me, they declined to give me further details. I'm preventing myself from earning some interest on the money I put on these accounts only for Citibank to decide unilaterally to close my accounts, as far as I'm concerned I comply thoroughly with the requirements fr the bonus and it's not serious of an institution as Citibank to take these actions and treat clients this way.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Fraudulent Hard Credit pull from these companies on XX/XX/XXXX, XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX  VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-06-17
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. (CA)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX XXXX OH  XXXX. 
My DOB:XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.
Consumer complaint received 2023-03-13
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights .

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

15 U.S.C 168 1 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights .

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

15 U.S.C 168 1 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
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. (NC)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concerns regarding the recent activity associated with my account. Specifically, I would like to address the investigation process and the lack of notification about the results. 

It has come to my attention that no real investigation was conducted into my dispute. Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all credit reporting agencies must ensure the accuracy and completeness of the information they report. This includes conducting a thorough and reasonable investigation upon receiving a dispute from a consumer. As part of this process, the results of the investigation must be communicated to the consumer in a timely manner. Unfortunately, I have not been notified of any findings or conclusions from such an investigation. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that all information provided about a debt is 100 % accurate and must verify the debt upon request. Any failure to do so is a violation of my rights under these federal laws. 

Given these circumstances, I am requesting a comprehensive review of my dispute, ensuring full compliance with the FCRA and FDCPA. I also request that all findings be promptly communicated to me, along with any supporting documentation that verifies the accuracy of the information reported on my account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

This item found within my credit reports is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me significant distress and defamation of my character. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

3 things showed up on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed from my credit report.
Consumer complaint received 2024-06-14
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-17
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-05-23
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have reached out to Experian three times asking to verify information on my credit report. I've called countless times to get information on a few closed accounts that appear negative on my account. These dates are XXXX XXXX, XXXX XXXX, and XX/XX/2021. It has been more than 60 days and I haven't had any update on these unverified and closed accounts.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (LA)

The Last Time before XX/XX/XXXX that I took out a payday loan with them was in XXXX. XXXX was going on. So, on XX/XX/XXXX I ran into a little financial trouble and put in online for a payday loan. It was approved. Only problem was they had my old banking information. On an XXXX XXXX Account that's been closed since XX/XX/XXXX. They had an option to add a debit card. But, none to change the banking information. So, I added my debit card. Thinking the funds would be deposited there. Then no funds were deposited on the Card and XXXX XXXX said. They never would get the funds because with the account being closed. It would reverse ACH back to XXXX XXXX. I called XXXX XXXX on XXXX XXXX to inform them. They agreed to what XXXX XXXX Said. Then on XX/XX/XXXX. Early XXXX XXXX. in the morning they debited my Card for {$240.00}. The {$200.00} That I never received. Plus {$40.00} interest on funds never received. Then I called in XXXX  times. The Customer Service Reps were rude. The last one claimed her Supervisor said that the Bank Statement from the closed account showing closed. Where no deposit could be made. Because, it was closed was not good enough. Sir, Ma'am I'm XXXX and on a fixed income. These folks are being very preditory and thievish. They're robbing people without a XXXX. I need my {$240.00}.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Subject : Formal Notice of Multiple Unauthorized Credit Inquiries To : Equifax, XXXX, and XXXX This serves as my Second Request in relation to the Unauthorized Inquiry mentioned herein, prior to commencing legal proceedings. 

I hereby assert that I did not provide consent to any entity to access my personal consumer information protected under the Fair Credit Reporting Act ( FCRA ). No permissible purpose has been established for the aforementioned inquiries. 

Pursuant to FCRA 616, titled " Civil liability for willful noncompliance '' [ 15 U.S.C. 1681n ], I bring to your attention the following provisions : Any individual who, under false pretenses or knowingly without a permissible purpose, obtains a consumer report from a consumer reporting agency shall be held liable for actual damages sustained by the consumer reporting agency or a sum of {$1000.00}, whichever amount is greater. 

Moreover, in accordance with the Fair Credit Reporting Act, 617, titled " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ], I wish to highlight the following : ( a ) In general, any individual who negligently fails to comply with any requirement imposed under this title with respect to any consumer shall be liable to the affected consumer for an amount equal to : ( 1 ) the actual damages incurred by the consumer as a result of the failure; and ( 2 ) in the event of a successful action to enforce this liability, the costs of the action, including reasonable attorney 's fees as determined by the court. 

I hereby request that you furnish evidence demonstrating that you possessed a permissible purpose to access my credit information. Failure to do so will necessitate the payment of {$1000.00} to the individual named in this correspondence. 

I anticipate a prompt and amicable resolution to this matter. However, should this not be the case, I shall be compelled to initiate legal proceedings against your respective entities. 

Yours sincerely, XXXX XXXX XXXX