davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
Equifax reported that the account was open when it was closed. Equifax reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
XXXX reported that the account was open when it was closed. XXXX reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX
Consumer complaint received 2023-10-15
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. (OH)

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 2024-04-05
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. (TX)

I am writing to demand immediate action regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) evident on my credit report. Your bureau 's failure to adhere to FCRA regulations is unacceptable and requires immediate rectification. 

The FCRA mandates accurate and fair credit reporting, yet my credit report contains multiple inaccuracies that are damaging my financial standing. I demand that your bureau promptly investigates and corrects these violations to comply with federal law. 

Failure to address these violations promptly will result in legal action. I expect swift action to rectify these errors and uphold the standards outlined in the FCRA.
Consumer complaint received 2023-10-15
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. (NV)

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 2023-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

I have received 2 emails from Chime. One welcome email and an email stating that someone has logged in to my account from a new device. I ignored it because information was missing from the second email regarding location and type of device that logged on. The next day I receive another email, stating my card is on the way and is being delivered to an address that I am familiar with. Its an apartment address I used to live at but its a different building with no apartment number. That raised concerns so I called the company to report fraud. The first two times I called, I got a busy dial tone which was concerning but I go through on the 3rd time. The lady I spoke with couldnt verify me without my DOB and last four of social. I kept trying to explain that she doesnt need that information to locate an account that is using my email address. She insisted on it and I wouldnt budge and tried to explain that it wasnt me that opened the account so I dont know what birthday or social they listed, all I know is that my email was being used. I told her to search for the email and she said that doesnt exist in their system and again was adamant about my personal information. I hung up the phone and XXXX searches my situation with Chime and saw that others have been through this, which is absolutely crazy.
Consumer complaint received 2023-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (KY)

Hello, I purchased a car from American credit Acceptance. When I purchased the vehicle, it was right in the middle of Covid. I was advised by XXXX XXXXXXXX it was 11 percent interest rate a month. I have been paying on the car for over 2 years, and paid about {$15000.00}. I noticed that only {$2000.00} went to principal and the rest to interest. I called the company and they advised me that the loan is for 56 % a month!!! I advised them I never agreed to that and they refused to help in any way. With such a high interest rate I called them and told them I would like to surrender the car. They told me it was fine, however they did not do a self surrender, they repossessed the car, and told me I had to pay all the fees. My husband is XXXX, he is XXXX. With only myself working, I would have never agreed on 56 int rate. I do not know what to do. I just need someone to help me. I worked so hard for this {$15000.00}, and it all went to garbage, and the car is gone. Please help me. Thank you in advance.
Consumer complaint received 2023-10-15
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. (IN)

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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dispute of XXXX Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy XXXX in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2023-10-15
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. (OH)

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 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX year XXXX  and XXXXXXXX XXXX account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY written instructions!
Consumer complaint received 2023-09-11
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: OPORTUN FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

According to my credit report, Amsher Collection Service reported an XXXX debt collection open on XX/XX/2023 with a past due of {$180.00}. Ive called this company and ask them they charge the wrong person and Im not the responsible individual for this unknown account. I told them where is my signature of this contract and how did they even got my whole identity to charge this on my account. I am a victim to identity theft whoever open this account u set my name.
Consumer complaint received 2023-10-15
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. (PA)

In accordance with The Fair credit reporting act account number XXXX  XXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to complain against Capital One Bank for closing my credit account in XXXX. I opened the account in XXXX as a secured credit card, and I made all of my payments on time every month. In XXXX, Capital One called me and said that there was a security alert on my account and that they needed me to verify my identity. I told them that I was on XXXX  leave from work due to XXXX  and that I could not go to the post office to mail them a copy of my ID. I asked if there was any other way to verify my identity, such as emailing or texting them a picture of my ID, but they refused. 
Capital One then closed my account, which was my longest-standing credit account. This has had a negative impact on my credit score, making it more difficult and expensive for me to borrow money. 
I believe that Capital One 's actions were unfair and discriminatory. They refused to allow me to verify my identity in a safe and convenient way, even though I was on XXXX  leave due to XXXX I am requesting that the Consumer Financial Protection Bureau investigate Capital One 's practices and take appropriate action. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$550.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number 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
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There are recent and old hard inquiries on my credit report that are not accurate lowering my Credit score. There is a XXXX debt collection that is ver old and does not belong to me! Same with portfolio recovery. I have been a victim of Identity theft in the past and these false hard inquires and debt collections have hurt my credit for years! This is takong a toll on me emotionally. I am unable to qualify for any store credit or credit cards because of false information on my credit report which I have neumorous times have contacter the companies on. I am seeking help please to remove all these hard inquries that I have not authorized and collections that dont belong to me.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 2023-10-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Hyundai Lease Title company before the lease expired at the end of XXXX ( attached bill of sale ). I paid them {$27000.00} for the total purchase. That amount paid included {$1600.00} which I paid them up front to pay the state of Ohio. When the title was mailed to me, I was never sent a check for the sales tax {$1600.00} to pay the state of Ohio. Kia/Hyundai kept that money for profit, even though it's in the bill of sale listed as sales tax. 

They mailed me a letter ( attached ) which stated to call them if I didn't receive the check addressed to the County Clerk of Courts. I called them 3 times and they said they would process a check, but never have and they don't plan to. I can not transfer the title to myself until I pay the XXXX XXXX title company sales tax money, which Kia is keeping. I'm sure I'm not the only one Kia/Hyundai is taking advantage of by claiming they need sales tax for a sale which in fact is just a fake line item for their own profit. 

Please advise how I can get your help getting this money from Kia/Hyundai so I can transfer the title. 

Thank you.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

I banked with CHIME for roughly 5-6 years. During this time I have witnessed CHIME not do it's due diligence in investigating bank disputes/errors. On XX/XX/XXXX  I started a dispute for fraudulent activity on my account. I've sent all the necessary documentation including the police report and the email from the company XXXX stating my refund was approved and sent to CHIME. This dispute is still open 90 days after the initial dispute claim and after the email. CHIME won't close out the investigation stating it needs more Information. When asked what information is needed, no answer can be provided. On XX/XX/XXXX  I initiated another dispute against fraudulent activity, with the same company XXXX, and again provided all documents. XXXX acknowledged the refund amount and approved it on their end. CHIME denied my claim after 2 hours of investigation, even with the email from XXXX. I called XXXX trust and safety supervisor to which I was provided the number for and asked about the investigation process and I was informed that no representative from CHIME contacted them in regards to this matter. So how did CHIME proceed? I closed out my account with CHIME on XX/XX/XXXX  because I'd rather stuff my money in a mattress rather than let incompetent individuals with no banking intelligence to keep my money safe.
Consumer complaint received 2023-10-15
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. (CA)

XXXX XXXX has my social security number attached to someone else 's name and I am also unable to get into my account. I have have money received from school Grant 's starting from XXXX  to today. I also have tax information filed that I'm unaware of.