davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal and urgent complaint against XXXX XXXX  regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. Account : XXXX XXXX Account # : XXXX Balance Owed : {$750.00}
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Interstate Credit Control (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. 
Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 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 2024-07-31
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: EQUIFAX, INC. (MS)

Recently, I reviewed my credit report and found several inaccurate items. After the investigation the items are still on my consumer FICO credit report. Under 15 U.S. Code 1681e ( b ) Accurately of report whenever a consumer reporting agency prepares a consumer report, it follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. After the reinvestgation under paragraph ( 1 ) of 15 U.S. Code 1681 ( 5 ) treatment of inaccurate information found the consumer reporting agency shall ( I ) promptly delete the item or information from the consumer FICO credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-07-30
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)

I was advised by a TransUnion rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC. (AZ)

Collections USA Inc. failed to notify us within the first 30 days of the debt that were attempting to collect a debt. They did not reach out through any legal channels, and our credit reporting agency had to ask them for contact information in XXXX, after they had the debt for 2 months ( XXXX and XXXX ). The debt was originally brought to our attention when our bank detected it as a fraudulent charge. This debt had already been handled in XXXX through legal channels with my lawyer, and Collections USA Inc. failed to provide any proof of the debt other than that they were sold the debt by my previous land lord. Due to their inaction and the lack of information provided I believe this debt is innacurate at best, and entirely false at worse.
Consumer complaint received 2024-08-16
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. (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 : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

i have a joint account with my wife and i deposited 2 checks on XX/XX/year> with the sum of {$200.00} made out to her old name, and the bank wants to verify with her, that the check was made to her, and the only way the bank wants to verify with her is by calling her on a phone number that's registered with her name, and she doesn't have a phone number registered with her name. 
i have all documents that she is the person the check was made out to and the bank wont except it. 
its crazy that the only way to verify a check is with a registered phone number!!!! not everyone has it and i have all the proof i need to verify, like her old id card and new id card, our marriage license and new and old ss card, they first restricted my account and they are going to close it XX/XX/XXXX XXXX and also they told me over the phone that i should go to my local branch and with my docs and i will be able to verify this check. but when i came down they only wanted to verify through a registered phone number on her name please help me out they shouldn't be able to restrict my account. its not right from them to hold my money and close my account when i have all the proof needed. 
thank you so much.
Consumer complaint received 2023-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (IL)

I had an application for a mortgage with XXXX XXXX XXXX XXXX and I was looking at better terms and interest rates and before I put in an application with discover Bank I specifically asked them if there was a revocable trust on the property whether that would affect the loan and they said no. 

I later get a letter denying the mortgage. The effect of making my application decreased my credit score although it is and has been consistently excellent. 

Today I got an inane letter saying Discover was complying with the law by giving me the reason. 

Reason one says our credit decision was based in whole and in part on information obtained in the report from consumer reporting agency listed below. They list no credit reporting agency so to paraphrase the are saying " somebody somewhere influenced their decision. 

Second point it says the decision was based on other unnamed sources or an affiliate.

My complaint is that Discovery Bank should have made the credit report that they based the denial of my loan and name the affiliate or the outside source which influence their decision so that I can approach them to find out what their problem was. 

Please note XXXX XXXX XXXX XXXX had no problem processing my loan at a little bit higher percent so they could not have been a major credit report or affiliate or associate that cause XXXX XXXX XXXX XXXX to deny my mortgage In reviewing the reviews for discover Bank this is apparently a common practice that they cancel mortgage applications for no apparent reasons.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, EXPERIAN, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2024-07-30
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024, someone accessed my Chase checking account and withdrew three unauthorized transactions from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. The transactions were for {$2600.00}, {$1100.00} and {$1100.00} totalling {$4800.00}. 

On XX/XX/XXXX, I received a call at XXXXXXXX XXXX from a person who identified themselves as Chase Bank. the phone number was ( XXXX ) XXXX. They asked if I had made a purchase in XXXX. I said I had not. They then said they would stop the transaction and issue me a new debit card. I don't remember giving them any specific information but I may have acknowledged that the address they were sending it to was correct. Please note that on my account there was a {$5.00} charge for a new card. 

On XX/XX/XXXX, I got a call from the same phone number ( XXXX ) XXXX stating that they wanted to enroll me into a fraud protection service. I stated that I already had protection and they put me on hold. When they came back on I asked them when I could expect my card. They replied XXXX XXXXXXXX would be bringing it at XXXXXXXX XXXX. Again, I do not remember giving them any vital information. Please note, if you call that number it is the answering recording states that it is Chase Bank. 

Later that evening, around XXXXXXXX XXXX  I realized that my checking account had been emptied. I immediately called the number back that had been calling me, thinking it was Chase. They put me through supposedly to their fraud department and the I was hung up on. I called back that number on Saturday morning and again it had the Chase recording and when I was put through and told I needed to wait 12 hours for a response. I decided to call the local Chase Bank and spoke to a manager, XXXX XXXX. XXXX called the fraud department for me and we realized that I had not previously been talking to Chase, but someone impersonating them. The following XXXX, XX/XX/XXXX, Chase would gave me a temporary loan to cover the unauthorized withdrawals. 

The withdrawals were made from a currency exchange in XXXX XXXX XXXX. I live in XXXXXXXX XXXX where I care for my handicapped daughter. I am unable to get out let alone drive to XXXX XXXX. I was at home at the time of these transactions. 

On XX/XX/XXXX, Chase Bank determined that this was not a case of fraud, but that I had gotten scammed. They withdrew the {$4800.00} leaving my bank account empty. I called XXXX XXXX and he called the fraud department with me. They stated that my card and pin was used for the transactions and that the fraud claim was closed and getting back the money was my problem. There is no way that I made those transactions. I still have the card in my possession. I have neighbors and phone records to back up my location. 

This is a great loss for me - two months worth of mortgage payments. I'm sickened by the experience and really frustrated with how Chase handled the situation. They stated that they will no longer help me with this matter.
Consumer complaint received 2023-09-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 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 2023-09-15
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)

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 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

Desired Settlement : Kia Finance accepts the closure of XXXX XXXXXXXX XXXX  claim, Allowing XXXX XXXX  to open a new claim and for Kia Finance to waive additional loan payments during this resolution period.

Greetings, I am writing to file a formal complaint against Kia Finance for their unprofessional and uncooperative behavior in handling the closure of a claim regarding my XXXX  Kia XXXX, which has been declared a total loss. Despite my numerous attempts to resolve the issue, Kia Finance has created obstacles and exhibited a lack of willingness to assist, leading to significant mental and financial hardship. 
The primary issue lies with Kia Finance 's insistence on having XXXX XXXX, who initially opened and then closed the denied claim, contact them to explicitly close the claim. Kia Finance 's refusal to close the claim has prevented XXXX XXXX XXXX from opening a new claim and paying off the loan. This has caused me undue financial stress as I am still required to make loan payments despite the ongoing situation. 
Since XX/XX/XXXX, I have diligently communicated with both companies, calling them daily in an attempt to find a resolution. Despite providing documentation from XXXX XXXX stating that the claim has been closed, Kia Finance persists in requiring explicit cancellation and closure instructions. This prolonged process has taken a toll on my mental health, causing anxiety and frustration due to the uncertainty and unresponsiveness of the companies involved.

Kia Finance 's customer service has been unresponsive and unhelpful throughout this process, placing the responsibility on me to facilitate communication between the two companies. Their lack of cooperation has only exacerbated the situation, leaving me in a state of limbo and causing further distress.

Given the circumstances and the adverse impact on my well-being, I am filing a complaint against Kia Finance with your regulatory department. I implore your assistance in holding Kia Finance accountable for their actions and resolving this matter expeditiously to mitigate the financial and emotional strain I have endured. 
Thank you for your prompt attention to this urgent matter. 

Kia Finance is not allowing XXXX XXXX XXXX to open a claim for my totaled XXXX  Kia XXXX. 
Kia Finance insists on having XXXX XXXX contact them to explicitly close the claim, despite XXXX already closing it on their end. 
Despite providing documentation from XXXX XXXX, Kia Finance refuses to accept it as valid without explicit closure instructions.

Kia Finance 's customer service has been unresponsive and unhelpful, putting the responsibility on me to resolve the issue. 
Kia Finance continues to require loan payments, even though the situation remains unresolved due to their lack of cooperation. 
XXXX XXXX is unresponsive in providing the claim closure request in the format required by Kia Finance.

Despite explaining to Kia Finance the unsuccessful attempts to have XXXX XXXX contact them, Kia Finance remains uncooperative.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that XXXX XXXX  took off the 120 days late status and marked my account as charged off. How the heck can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made 5 consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (GA)

to formally dispute the late payment charges that have been applied to my account. In accordance with my rights under 15 U.S.C. 1666 of the Truth in Lending Act, I am providing this written notice to request an investigation and correction of these billing errors.
Consumer complaint received 2023-09-15
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: Bread Financial Holdings, Inc. (GA)

Comeity Bank is not honoring a valid identity theft claim on my account. They failed to do a full investigation meaning physical and digital. They deemed the account as belonging to me simply because the dentist office gave them my stole/fraudulent credentials meaning name address etc. No camera no evidence but they are saying I own the $ XXXX which is ridiculous I dont even live in nor near the area
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.