davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.
Consumer complaint received 2024-03-29
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I contacted Chase to ask if I could transfer XXXX reward points from my Chase Sapphire Card to my Chase Marriott card and close my Sapphire Card. Chase account rep said it would not be a problem. Two days later, the transfer was not completed and the points were returned to my closed account. I was not notified by Chase that the transfer did not go through and I didn't catch this until XX/XX/XXXX. I contacted Chase and they said I had 30 days to use my points on a closed account. I explained that I closed the account based on the advice of the Chase account rep and would never have closed the account with XXXX points. I spoke with XXXX in XXXX. I then followed up with XXXX in XXXX on XX/XX/XXXX, XXXX and XXXX on XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX. Everyone was extremely nice and everyone said they would handle it because it was obviously a Chase mistake. The follow up from each phone call was sporadic and extremely slow. XXXX was the only one that actually said she would call me with a response and she did. I then forwarded my concerns to Chase Executive in XXXX and was turned down by XXXX due to my request being over 180 days old. I explained I have been dealing with their customer service for well over 180 days. I then filed a complaint with the Better Business Bureau and spoke with two more Chase Executive employees in XXXX. Both said they could not do anything due to it being over 180 days. 

Bottom line, I closed my account solely based on the advice from the original Chase representative. Chase did not fulfill their commitment and I was not notified of their failure. When I contacted Chase about this problem, I was then misled by 5 employees, over a 6 month period, that felt Chase would be able to correct their mistake.

Mistakes happen. In my eyes, this appeared to be such an easy fix for Chase that would not cost them a dime to correct and regain a loyal 20 plus year customer. Boy was I wrong.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (MD)

I'm frustrated, dissatisfied, and concerned about the situation with my credit report. Despite consistently making on-time payments, there are late payment remarks on some of my accounts. I haven't accrued any late fees, and I urgently need your help to resolve this matter. Please update my credit report to accurately reflect all timely payments, ensuring its complete accuracy.
Consumer complaint received 2023-12-30
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I had a credit card with XXXX XXXX XXXXXXXX over 7 years ago. XXXX and Equifax refuse to remove it though XXXX has already removed it from my credit report. I have attached the results of the XXXX dispute and they have correctly removed the entry from my credit report. I request for the same to be done in my XXXX and Equifax reports.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITY CREDIT CORPORATION (LA)

I was sent a letter about a debt owed in the amount of {$390.00}, dated XX/XX/XXXX, I sent a payment of {$200.00} in XX/XX/XXXX, because I had just gone back to work. After I paid the {$200.00}, I received a lawsuit stating I owed the company {$390.00}. I was not given credit for the amount I paid. I wrote the attorney that the company hired and sent in a copy of the money order that had been cashed months ago by the company. Showing that the company gave the lawyer false information. The attorney again filed false information to the courts on XX/XX/XXXX, stating that i owed {$39000.00} ignoring the facts that I only owed {$190.00} and file again false information in court which i am writing the Supreme Courts against the lawyer for filing false information to the courts and getting a judgement with false information. When i made this loan the company did not give me credit for interest when paying off another loan it was combined with this loan.
Consumer complaint received 2023-08-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-29
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)

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 ( Acc # XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # 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 an 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I've written to various companies regarding their income reporting in my Credit Report. The IRS Publication 166. states ' The IRS views Charge-offs or canceled debt as income, necessitating its inclusion on tax returns, similar to job or business income. Under 15 U.S. Code 1681, which emphasizes the accuracy and fairness of credit reporting, income should not appear on my Credit Report. Therefore, these charge-offs are required by law to be promptly removed. Thank You XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (MD)

I submitted a complaint referring to the fact that per the FCRA 15 usc 1681a a consumer report does not contain transaction history. This stands to mean that this complaint has nothing to do with the company sending the report to any of the agencies, but today i received an email from XXXX XXXXXXXX saying that they received my dispute from equifax. This also stands to mean that instead of equifax resolving the issue on their end, as they should be willing to do per the Fair Credit Reporting Act, they are opting to try and push the responsibility to the companies I referred to in my initial complaint. Below i will attach my initial complaint along with the screenshot of the email i received from XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

RE: REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION

DEAR GM FINANCIAL, 

I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO TWO LATE PAYMENTS REPORTED ON XXXX XXXX AND XXXX XXXX  FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX.

I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT (FCRA), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.

GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING:

1.REMOVAL OF THE INACCURATE LATE PAYMENTS: I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENT ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.

2. ARBITRATION AGREEMENT: WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.

I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.

I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.

I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE.

SINCERELY, XXXX XXXX
Consumer complaint received 2023-12-30
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. (KY)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2023-09-22
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: Experian Information Solutions Inc. (TX)

I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time. 
I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight. 

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OK)

I purchased a {$100.00} Vanilla Gift Visa gift card for my sister for her birthday at a XXXX store on XX/XX/2023. On XX/XX/2023, she attempted to use the card, only to find out the balance on it was {$0.00}. When she checked the balance online, she found someone had made a {$100.00} purchase online at XXXX at XXXX AM on XX/XX/2023. Someone else had drained the funds before she even had a chance. I had inspected the packaging to make sure there were no cuts, tears, or any other signs of tampering to make certain no one else had gotten the card numbers off the front or security code off the back that would allow them to use the card without having the physical copy. I submitted a dispute to XXXX Bank on XX/XX/2023, but because I did purchase the card, they declined my dispute. I contacted XXXX on XX/XX/2023 and they explained that it " happens all the time with those cards, '' but the obvious fraud isn't enough for them to remove them from shelves. I tried to resolve the issue through Vanillagift.com on XX/XX/2023, but since submitting the documentation they requested, I have yet to receive a reply, I can not get anyone on the phone to check on my dispute, and now the card has been blocked on their site so I can't even track it there. Someone stole money from me and my sister, but apparently no one is accountable. The only recourse I have left is to go to the police and file a petty theft report.
Consumer complaint received 2023-09-22
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. (MA)

Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by XXXX XXXX. I filed a dispute online with all XXXX credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (MA)

Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by XXXX XXXX. I filed a dispute online with all XXXX credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC (MI)

My mother and I were renting an apartment in XXXX from XX/XX/XXXX to XX/XX/XXXX, we fulfilled our lease, we went through many difficulties due to the pandemic, I had a XXXX in XX/XX/XXXX and my mother had an accident that left her XXXX in XXXX leg, But despite all the difficulties we had, we always fulfilled our lease, we left the apartment very clean and in very good condition ( I have the photos ), but after we moved out, they did not return the deposit and they wanted to find excuses to charge us things that we don't think is correct, in addition, they are charging us for not giving 60 days moving notice, we gave them 30 days moving notice following their instructions because we had already finished the lease and we were on a month-to-month basis ( we stayed an extra month ), The most unfair of all, and I think there should be some protection for people because this is affecting my life, is that they are reporting to my credit indiscriminately and without control, as follow : Collection Account MUTUAL MANAGEMENT SRVC Originally : THE XXXX XXXX In Collections XXXX Reported XX/XX/XXXX Origination Date XX/XX/XXXX Original Balance {$1300.00} High Balance {$2000.00} TOTAL DUE {$2000.00} They kept my deposit, and they sent me to collection for {$1300.00}, and now the collection company is reporting to my credit bureaus every month increasing without any control and limit like if I have a subscription with them, they started with {$1300.00} and increasing every month they are now reporting a balance today of {$2000.00} and they will continue. 
The situation here is that this is affecting my life, I am trying to find a place to live because I am not safe where I am currently living, and because I owed more than {$2000.00} to a renting company, they are denying all my applications and this is affecting my life because the amounts they are charging are not fair, and they are increasing however they want without a control and a limit, Not fair that renting and collection companies are indiscriminate doing this without a control and affecting lives.