davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

I opened a Target store card on XX/XX/XXXX. I then entered a payment plan I believe a few months later in either XXXX or XXXX. I had lost employment due to XXXX, was in grad school, was single and had a mortgage so needed a payment plan. I had automatic monthly payments come directly out of my checking account. I received paper bills. I did not worry about them as I had automatic monthly withdrawal. I got a final bill for {$20.00} or {$22.00} dollars. I did not think anything of it as I had automatic payments. A couple months later I see on my credit report that Target reported the {$20.00} or {$22.00} dollars. Thinking it must have been a mistake I call Target. The customer service representatives were quite unempathetic and said the automatic payment ended. I asked why? And they said thats how the plan was. I also asked why unlike other creditors did I not receive a email, text or phone call about the remaining $ XXXX which I could have easily taken care of on the phone. They said that they do not do this. I closed my account after paying balance not knowing the impact on my credit. I would like the late payment to be taken off my report as I wasnt notified in any manner about the fact that the automatic payments had ended and was not given any chance to pay the XXXX dollars. Since this has occurred I have not shopped at Target as I was already in a vulnerable situation and this could have easily been resolved prior to the account being reported.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (MI)

This marks my second attempt to address a concern and serve as a follow-up to my initial complaint dated XX/XX/XXXX. It is imperative to reiterate that, in accordance with FCRA section 605b, Credit Reporting Agencies are obligated to expunge any entries indicated on an identity theft report, specifically identified as # XXXX. As stipulated in Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to eliminate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the need for the removal of inaccurate information currently reflected in my credit reports. The following inquiries have been expressly identified for removal : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXXXXXX 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 2024-01-02
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: Experian Information Solutions Inc. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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. (MO)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
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)

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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to bring to your attention to an issue with the reporting of late payments, collections, and repossessions on my credit report by TransUnion. According to my credit report from TransUnion, there are 23 late payments that are showing as over 60 days late, 2 collections,14 Hard Inquiries, 1 repossession. These entries are inaccurate and in violation of consumer protection laws.

Late Payments : XXXX  ( ALL ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
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. (VA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

Illegal foreclosure by Wells Fargo home Mortgage, violating my civil rights of due process. Email correspondence with the Wells Fargo Home Mortgage preservation Specialist, XXXX XXXX, attempting make payments, verification of insurance increase, foreclosure before a decision on an appeal, can be submitted as evidence of my numerous attempts to pay on my debt.I, XXXX XXXX XXXX, Plaintiff, under the Code of Virginia Title 8.01. Civil Remedies, filed a Notice of Appeal under Case Number XXXX. The Notice of Appeal was received at XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting 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 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 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 2024-07-29
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: Experian Information Solutions Inc. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. 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 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I placed an order on XXXX for outdoor dining table. Order # XXXX The order was delivered on XX/XX/XXXX. Upon receiving the package and assembling the table I noticed damages to multiple parts on the table. I immediately called XXXX  customer support reporting item arrived damaged and Im looking for an exchange. Unfortunately wayfair was unable to process an exchange reporting item was delivered. I immediately filed a transaction dispute on XX/XX/XXXX with Apple Card -Goldman Sachs Bank USA . Dispute case number : XXXX. Ive sent pictures of the damages numerous times and the dispute keeps on getting denying and the amount of {$2400.00} keeps on getting reversed. Ive opened the dispute numerous times already providing the same information and the case keeps getting denied. XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX Dispute # XXXX XX/XX/XXXX - dispute # XXXX Multiple disputes have been made for this transaction. Merchant and Credit card company are refusing to refund the full amount. 
Item arrived damaged merchant refused to replace damaged furniture. Proof of damages have been sent to merchant and credit card company numerous times with no resolution to this case. Desperately seeking help in this matter.
Consumer complaint received 2024-05-04
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. (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.

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 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NC)

I was mailed a promotional offer to accept the Chase credit card along with a {$200.00} cashback bonus when I purchased {$500.00} in the first three months. This was an insert included in the mailing. When I went online to complete the application, this offer was also promoted on the Chase website. I completed the application including a balance transfer, at which time I did not know what my credit limit would be, so I entered a transfer of {$3000.00}. I was accepted for the card and my credit limit was only {$1600.00} and the balance transfer was posted at $ XXXX. Once I found that out, I called Chase to reduce the transfer to {$1000.00} so I would be able to make the {$500.00} in purchases to qualify for the {$200.00} cashback offer. 
Reviewing my statement after the three months I realized that I was not credited the {$200.00} as promised. I called Chase customer service three different times. The first time, I was told that if I could provide the offer number, they would credit my account. Unfortunately, there was no offer number listed and I did not keep the application that was mailed to me after being accepted for the card. I explained about receiving the mailings promoting this offer and that the offer was still being promoted on the website for the same exact credit card. The next time I called, I was told that this offer is not available for my account. 
The next thing I did was send a secure message to Chase on XX/XX/year>. I explained that I received the offer in the mailing that was sent to me and also when I finished the application online it was clearly stated on the Chase website. I provided screenshots of the information that was promoted on the Chase website in XXXX when I applied for the card and also in XXXX, when the current promotion was still being offered. I was again told that this offer was not available for my account. No other explanation was given. I sent four different messages, XXXX on XX/XX/year>, another on XX/XX/year>, XX/XX/year>, and the last one was XX/XX/year> of which I got no response. In all the communications I am asking why my account is not available for this offer. It is the same exact credit card that is being promoted with this {$200.00} cashback offer on {$500.00} purchases in the first three months of opening. This offer is still being promoted on the Chase website today. The only answer I received is that my account is not available for this offer. I also did research online and it seems like a lot of other people are having this problem with Chase where they are not receiving the {$200.00} cashback bonus offer that was promised. This promotion was the main reason I accepted the Chase credit card. I received many different offers from different credit card companies but decided to go with Chase because of this specific offer.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My husband and I checked my FICO credit score on XX/XX/XXXX  to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX  to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. 

I filed a dispute with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax, and XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-08-03
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)

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX has violated my rights. 
I looked at my XXXX 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 ) ln generally. 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- ( ) 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 ( il ) 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.
Consumer complaint received 2024-07-03
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)

Around XX/XX/year>, I filed a dispute with Transunion and XXXX stating that XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the Credit Reporting Agencies and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - Transunion. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.