davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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. (NY)

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 2023-12-18
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. (FL)

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

It's been almost 4 months now when I deposited a {$1500.00} third party check by chase into my own chase checking account that night ... .I waited a few days for my check to be cleared and then when it finally cleared .They decide to put a restricted hold on my account claiming fraud suspicioun. So now after I have visited more than a few chase branches and showed proof of identity from myself and third party... They still decided to not issue my money because they keep saying we need phone verification ... .So I've been calling every week for the last 3 and a half months trying to get verified and they can not verify the number but we still haven't got anywhere to this day because we can not get verification for a check that never was fraud and they know it but they won't accept physical identification for some reason which is skeptical to me... I just want the money that belongs to me in my own account ... .PLEASE HELP ME!!!!
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with 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 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I am trying to use an American Express prepaid gift card that was given to me. I have tried to use the card online at both XXXX and XXXX. However, the transaction does not go through at either vendor. I have searched online for a solution and found this to be a common problem with this type of gift card. 

See here : XXXX XXXX XXXX I have tried to check the balance of the gift card at the website listed on the back of the card, " XXXX '' However, this doesn't work. I also called the number on the back of the card to confirm the balance and was able to confirm that the card has a balance of {$50.00} on it ( the same as the starting balance listed on the front of the card ).
Consumer complaint received 2023-12-17
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: ALLY FINANCIAL INC. (GA)

these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXXXXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX, XXXX Inquiry dateXXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not PACER ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting.

Instead of doing so. Transunion closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ). 

XXXX I initiated a Second Request for a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not PACER ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. 

XX/XX/24 ... I received an email abruptly closing my request with Transunion FALSELY stating that I cancelled closed the investigation ( **SEE ATTACHMENTS PROVIDED TO INCLUDE STATEMENT ON CANCELLATION ). The agency is also selecting " Reason For Investigation/Dispute '' other than what is relayed over the phone... For example... Selection of " This Account Does Not Belong To Me '' instead of the true nature of the investigation,. 

XX/XX/24 ... I attempted to review my Transunion credit file and the company has locked me out... stating I needed to verify my email address. I clicked the Verify Email Address icon... was sent a verification email..clicked on the appropriate link only to see a message stating the link had expired ... .I attempted this ( 3 ) times without delay in clicking any links but have been locked out and prevented from viewing my report. I did advise Transunion I would report their illegal way of handling my Public Record full investigation request.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have XXXX checking accounts at Fifth Third ( 5/3 ) Bank for my businesses, XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ). Since 5/3 services my loan for my XXXX XXXX, I transfer money from my local bank, XXXX, via external account each month for mortgage payments on each of the XXXX loans. On XX/XX/2023, there was an 'account verify ' charge that was deducted from my XXXX account of {$0.00} from XXXX XXXX, then added back. On XX/XX/XXXX, XXXX charges was were deducted, {$2400.00}, then {$2400.00}. This happened again on XX/XX/XXXX with smaller charges, then on XX/XX/XXXX {$1500.00} was deducted for a total of {$6400.00}. It is easy to see the history I have a monthly deposits and monthly withdrawals, only from XXXXXXXX XXXX to 5/3, then 5/3 using the money for loan servicing.
Consumer complaint received 2023-12-17
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. (FL)

In Florida, the statute of limitations applicable to a debt collection lawsuit is generally five years. This means that once five years have passed, a creditor generally can no longer file a lawsuit against you to try and recover on that old debt. BY LAW This account is for XXXXXXXX XXXX 

, incomplete, or unverifiable information must be removed very inconsistent on each report
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPL Recovery Solutions (CA)

On XX/XX/2018, I spoke with a JPL Recovery Solutions representative named XXXX XXXX '' over the phone. He claimed that I owed more than {$16000.00}. He also claimed that he would be sending paperwork to my employer that same day to begin garnishing my wages unless I immediately agreed to pay a total of {$4300.00}. XXXX also told me that I had to agree to automatic withdrawal from my account, beginning with a payment of {$1000.00} on XX/XX/2018. I agreed to this arrangement because I was scared of getting my wages garnished, even though I have never had any agreement with JPL Recovery Solutions and JPL Recovery Solutions has never given me any documentation showing that I owe them anything. I later received legal advice, and learned that JPL can not legally garnish my wages without a court judgment and order permitting it to do so. JPL lied about the amount I owed and also told me that I had to agree immediately or face garnishment. In fact they aren't allowed to garnish my wages at all.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, 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. (LA)

Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Sir/ Madam, I am writing to you as Transunion dropped my credit score by XXXX points back in XX/XX/2024, for a 4 day late payment on my leased car! is that a logical practice to drop the score tremendously and for 4 days late only? 
Now, a few days ago, they dropped my score for no explained reason at all by another XXXX points. 
Therefore, in a month and half my score dropped from XXXX to XXXX. 
Additionally, almost XXXX years ago, they have dropped my score by XXXX points for no reason. When I called them, they said " we have no idea '' ( Call center based in the XXXX on a recorded line ). 
This company seems to be running a scam and needs to be held accountable due to the financial damage it caused to me and to others. 
What's interesting is, that all those massive score dropping incidents only occurred whenever I looked for a car or a home loan ( just looking without inquiry ). 

It's clear that TransUnion is using AI ( ARTIFICIAL INTELLEGINCE ) to identify customers who are looking for loans, therefore TransUnion crushes their Credit score to get the highest interest rates. 

If Transunion denies, they will be taken to court and exposed publicly. 

I look forward to hearing back from you ASAP and to save so many other possible victims XXXX ( XXXX ), XXXX XXXX XXXX
Consumer complaint received 2023-12-17
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (NY)

I keep getting calls from wells fargo starting I am did not make my last payment and indeed I did and they are claiming that I can not get my title unless I pay about {$400.00} by today and they call me every week. However, I already own the title so I do not understand why I am being harassed regarding this.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was bought and sold illegally because I was a victim of the Equifax Data breach I want these items deleted from my consumer credit report immediately. I'm attaching proof that Equifax admitted that I was a victim of the Data breach Equifax has done nothing to stop or remedy this issue. 
Please delete these fraudulent hard inquiries XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX
Consumer complaint received 2023-12-17
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-17
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2018-11-16
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: Experian Information Solutions Inc. (OH)

I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate information on my credit report. 


15 usc 1681e ( b ) 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.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (OH)

Someone stole my identity and used it to create a joint account and obtain an auto loan on a XXXX dollar vehicle which had a XXXX interest rate. I would never do such a ridiculous thing. On XX/XX/XXXX  I called the company ( Predatory lender Ally Financial ) and requested that the account be closed. I also filed an FTC report and disputes with all 3 credit bureaus. I was questioned and made to feel as if I was a suspect. Ally Financials ' fraud department then told me after a line of questioning that an investigator would reach out. The investigator XXXX XXXX called me the next day, but I missed the call. I tried to return the call the next day and the following days but was always told she was in a meeting, or she was busy. I am very nervous to speak with her because, after my initial contact with Ally Financials ' fraud department, it was like they were there not to help but to disprove my claim and keep me on the hook for this fraudulent account that has wrecked my life.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.