davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (SC)

In accordance with Fair Credit Reporting Act. The List of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate These Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX However, They stated that 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 1681 ( 5 ) They are supposed to modify Accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe in the information is inaccurate.

I as the consumer have a right to privacy.
Consumer complaint received 2023-11-06
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. (NY)

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right the privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan any purpose
Consumer complaint received 2023-04-01
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-26
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

This complaint is about a refund reversal from PayPal about transactions Transaction ID : XXXX and XXXX Both transactions were disputed no evidence was provided to XXXX XXXX XXXX charges are valid and now they have arbitarily taken the money without legal cause out of our account. They are listed in the refund reversal as BONUS TRANSACTIONS? They are also no longer in the resolution dispute center when we looked.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

On XXXX XXXX XXXX I ordered a XXXX delivery order from XXXX in the amount of XXXX. I did not receive my order so I contacted XXXX phone support to help. They told me since the driver marked it delivered there is nothing they could do on their end. Im very upset because Im not sure what to do seeing as though this is such a large transaction to receive no merchandise whatsoever.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

I have had a Southwest Airlines Chase card for several years and have been pleased with their service. However, that is not the case with my issue. One of the benefits my card provides is 4 free Southwest upgrade boarding passes. The marketing material online with Chase and Southwest says it is a yearly benefit. It does not say anywhere online that it starts the day you get the card. This would be an easy change to make by calling it a " card anniversary reward '' but they don't do that and call it a yearly benefit which any prudent person would say that would be XX/XX/XXXX. The company should change this misleading marketing information. 

Regarding my complaint, I purchased 2 upgrading boarding passes on XX/XX/XXXX. That flight ended up getting cancelled. Even though the flight was cancelled, it is considered using the upgraded boarding pass. Again, I can't find this information anywhere and something that should clearly be outlined in marketing materials in a disclaimer/legal notice section.

I purchased 2 upgraded boarding pa
sses. One on XX/XX/XXXX for {$50.00} and one on XXXX for {$50.00}. It is my opinion I should be refunded {$100.00} but the credit card company is refusing to provide it. First, the start date of the benefit is described as yearly and not an anniversary award. Second, I never received the full benefit of the upgraded boarding pass since my flight got cancelled. Minimally, I would expect {$100.00} returned to me. I also feel that I should have the ability to use 2 more upgraded boarding passes in XXXX since the marketing material is not clear that this is an anniversary award.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (FL)

I have sent this company a cease and desist. The company has refused to adhere to the federal guidelines by ignoring my request in my attempts well over two years to resolve this matter the company has been found to impose as a collection agencies when it is listed that this company is not legally blinded and or insured to collect in florida. Please have this company cease and desist all activities and this is my last attempt to complain outside of the court of equity. I do not know who this company is.
Consumer complaint received 2024-04-30
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NH)

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is JPMCB AUTO the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments and inaccurate information that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see the attached document with proof of the illegal late payments on my consumer report. I request that you promptly delete all ( late payments ) update the account to current status and send an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested late payment deletions and update to the current status, I request that you provide me with your permissible purpose for reporting each late payment on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my TransUnion and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-01-24
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)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized INQUIRIES : XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AR)

Mohela students loan consolidation all students loans. 
I have paid off XXXX XXXX though XXXX XXXX and paid off XXXX XXXX  credit card in full. Now need all paid off loans and credit off my report so I can change my credit score.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I filed dispute about an open car loan with XXXX  XXXX XXXX. I filed dispute with XXXX as well at Experian under FCRA I wanted an investigation done so they would see I already paid off this account and want it updated as so. They did not do an investigation and sent me a generic email response with no proof of investigation and did not update my credit reports. I feel the credit bureaus are dismissing my dispute and do not care to investigate under FCRA laws. This account is closed and they have not contacted XXXX  XXXX XXXX to find out if I even owe this account. I want them to do proper investigation and to contact XXXX  XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MD)

This account is from synchrony Lowes and belongs to my wife not me they confirmed this on the phone that I am no lo and authorize user and I said please tell me why you guys are putting this to my credit. They said they would need a copy of my Social Security card and drivers license. I will choose to give that to them and said this is the violation. Do you know Im not an authorized so please stop reporting to my credit report because youre in violation of 15 USC 1681 they have reported late payments, and a card. It is not belong to me. im asking please have them remove it from my credit report as is this is in violation of my rights as a consumer.
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. (CA)

hi. My Name is XXXX XXXXXXXX XXXXXX/XX/year> my ssn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX my phon XXXX XXXX XXXX XXXX I requested XXXX XXXX. and Equifax add my address and ph number .XXXX XXXX costumer service e 5 star he fix my adresss. but Equifax not respond my calls or mails. Can you help me add my adrewsss and ph number in credit report in equfax. thank you
Consumer complaint received 2024-01-21
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 XXXX Accounts have violated my rights. 
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 XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I have three difficulties with Synchrony Bank. I signed up for a loan for a mattress. I was told it was to be a zero percent loan as long as payments were made on time. All payments were made on time except one payment which was less than 1 month late. I sent in the late fee so that the fee would not alter the loan agreement. After a couple of years of automatic payments I thought the loan should have been paid so I contacted Synchrony to inquire and found that the loan had been changed to an interest rate of 29.99 %. 1-Synchrony didn't contact me 45 days in advance of this interest change as they should have per California law . 2- I asked Synchrony for the amount I'd paid so far and they refuse to inform me. They did send me paper statements but these do not show payments. XXXX I found some random miscellaneous charges on my statements which I can't make sense of. Perhaps the collection of these random charges are what put my loan past the zero percent interest period.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (GA)

There is an account that is currently reporting diffrently to each beuroe. i have disputed this account numerous times with each beroe. they st6ate that the data furnisher has varified the account they also have not provide me with verification of dept. This account is reporting illgally and should be removed at once from my cunsumer profile.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I got an alert that my credit score went down upon checking I found 2 fraudulent accounts on my report I immediately filed a police report for identity theft the fraudulent reports are XXXX XXXX XXXX  for the amount of XXXX dollors and FAIR COLLECTIONS & O for the amount of XXXX I have no knowledge of any of these accounts
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. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I am in the PSLF program and Mohela has not processed my PSLF form from XX/XX/23 their website says 30 days and it has been over that time frame. I called them today and they said there was an error on their side but they didn't contact me at all. I have made the 120 payments to qualify for forgiveness and now they are saying that it will take over 90 business days due to their error for my loans to be forgiven. I have to work for a qualifying employer till my loans are forgiven and that lessens my employment options and that is unacceptable since it was their error. They did not resolve the issue and weren't helpful at all they keep giving excuses.