davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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)

I noticed on my credit report alerts from XXXX that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 XXXX XXXX XXXXXXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX - XXXX XXXX XXXX ( XXXX ) Account Number : 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-25
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. (WA)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/2023 on TRANSUNION, XX/XX/2023 on XXXX and XX/XX/2023 on XXXX Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on TRANSUNION, XXXX on XXXX and XXXX on XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I am writing to inform you of the inaccuracies in the reporting to XXXX, XXXX and XXXX. JPMCB - CARD SERVICE is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. JPMCB - CARD SERVICE inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something The information being reported for this account does not match between the three agencies, and the discrepancies are as follows :
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (OH)

The below statement shows the interest is higher than expected as it is higher than what is going to principle. At this rate I will never get this loan paid. This was for XXXX XXXX  that went onto my house and the company filed bankruptcy then my loan was purchased by the loan agency below.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This past summer, I went to XXXX on vacation. Our flight was supposed to leave on XX/XX/XXXX, but the flight got cancelled by the airline due to mechanical problems. The airline automatically rebooked us on another flight to XXXX the following day ( XX/XX/XXXX ). I already had made hotel reservations along with a car rental reservation and after I found out that we wouldn't be arriving in XXXX until the next day, I got to work shifting all of the reservations forward by XXXX day ( example, if original reservation was for XXXX, I had to shift it forward a day to the XXXX... etc ). I reserved several of the hotels through XXXX, and when I called XXXX on the phone to explain the situation, it was determined that the easiest way would have been to just book new reservations with the correct dates and have the original ones cancelled. For this reservation in particular, it was a hotel in XXXX. The original reservation was from XX/XX/2023 to XX/XX/2023 for {$390.00} and I made a new reservation with the correct dates which was from XX/XX/2023 to XX/XX/2023 for {$430.00} with the understanding that the {$390.00} would be refunded ( based on the conversation I had with XXXX over the phone. I've also attached email communications with XXXX where I sent proof of flight cancellation. I later found out a week or so later that XXXX refuses to refund the {$390.00}. I filed a dispute with my credit card ( XXXX  XXXX XXXX ) which was through Bank of America and the past few months have been nothing but stress and anxiety. First it got denied because they didn't have enough documentation when I never got an email asking for me to send specific documents and the communication was terrible. I made numerous phone calls and spent a lot of time being transferred from XXXX department to another. About XXXX weeks ago I sent in additional documents and today I got a letter how the claim was denied. It is ridiculous how I should be expected to pay for a hotel that I did not use and Bank of America cares more about the merchants than they do about their customers. Based on the conversation I had with XXXX on the phone, I had the understanding that if I made a new reservation with the correct dates, which I did and paid {$430.00}, the {$390.00} would be refunded, and it is not fair that through their deceptive business practices, I should be the one that has to suffer. The flight cancellation was made by the airline, NOT me and it was totally out of my control. Also, the way Bank of America handles the dispute process is horrible. Please help me get my money back
Consumer complaint received 2024-04-25
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. (MA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Data breach XXXX  compensation per violation immediate payment check sent to XXXX XXXX XXXX san franciaco.I recieved an email confirmation that my information was compromised in the data leak. I have never gave permission or consent to any agency to report on my behalf. Immediately remove all negative items! have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies XXXX, and others I have submitted metro 2 letters of challenge and compliance with no response for months now. I just sent out last week round 3 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (OK)

On XX/XX/XXXX we notified radius collection Agency the debt from XXXX  was a result of internal fraud and disputed it along with a request for the itemized bill and validation via email and they acknowledged recording our request. They mailed a letter but didnt include the media or original contract to validate the debt. The debt has not been validated. A formal dispute has been filed with the XXXX  fraud department. We have a business account with XXXX and have been credited for the charges associated with this internal issue. 
Radius did not send the documents requested from XXXX. Radius instead reported it to the credit reporting agencies. On XX/XX/XXXX a representative asked us to pay over {$4000.00} to have it removed from our credit file.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

The company closed my Credit card account without any notification to me either via email or mail. The reason they are saying is because of inactivity, however my account had transaction at least till XXXX of XXXX and my statements were generated till XX/XX/XXXX. 
This was a card with Annual fee and I dont understand how long do they consider the inactivity in months? Do they close the account for less than 6 months of inactivity? which I think is very unfair to the customers. 
Secondly there was no communication made to me regarding this account closure and I even contacted the customer care in XX/XX/XXXX for other reason and they didn't mention to me about the account getting closure which is insane. 
Finally I had XXXX $ rewards on my account which got forfeited because of this account closure which is a loss to me as it was earned rewards by using the card. 

I would want a resolution on this and a way to reimburse my rewards of XXXX XXXX More controls should be put in place to ensure such communications are reaching to customer on time and given enough time for them to take corrective actions before account closure. This is a total inconvenience.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DE)

Hi, All XXXXXXXX XXXX XXXXXXXX I received communications from Mohela that the pandemic was ending and my payment was coming due. I received information that my first payment was due XX/XX/XXXX. Therefore I paid it XX/XX/XXXX. I continued making payments before the XXXX of every month. After making my payments I received information that Mohela was placing my account on a forebeafance and I did not need to make a payment from XXXX XXXX XXXX, however due to the conflicting information I still made payments, its no way to get in touch with Mohela so I was under the impression I had to make my payments. I did not have the money to make those payments but I did so l, because of the confusion I received from Mohela. Therefore, I am asking Mohela to credit those months to XXXX XXXX XXXX This will credit me back for the months that I made a payment where one wasnt due, Mohela is extremely hard to get in contact with and every time I call their representatives give me the wrong information. I want this resolved asap because this is fraudulent practice.
Consumer complaint received 2024-04-25
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. (NJ)

In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ), XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Miscellaneous ), XXXX XXXX XXXX XXXXXXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate.

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One Venture X Card is fraudulently advertising XXXX XXXX as a benefit. Many like me are waiting months to register with no timeline or follow up on registration for XXXX XXXX XXXX. There is no work around solution and I have contacted both companies many times. The only answer is that its a known problem.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

I would have go back though my chime history but back in 2023 I received my taxes XXXX to my chime account well the day before it hit I was XXXX  left for dead funds were transferred to credit builder which requires no pin and wiped over next XXXX days I had no phone no id no nothing after countless company calls they finally said they couldn't provide me with the information confiring I was inocent and would nit re invite me of my tax refund and even XXXX  police wouldn't write a report i begged them for help and was turned away XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (MS)

I am the author of this complaint. 

I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. 

I paid an application fee to XXXX XXXX XXXX but ultimtely decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. 

This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MI)

In accordance with he Fair Credit Reporting Act, XX/XX/2022, SELF FINANCIAL INC / LEA has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy. 15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON. Company was contacted with no fixed errors made, and declining request of fix.
Consumer complaint received 2024-03-18
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: CREDIT ACCEPTANCE CORPORATION (WV)

I received a letter ( dated XX/XX/XXXX ) offering a settlement payoff amount for my XXXX XXXX XXXX. The offer was valid for XXXX after the date of the letter. On XX/XX/XXXX, I made the initial payment of {$2500.00}. The following day ( XX/XX/XXXX ) my transaction history had shown the account as paid off and closed. Since XX/XX/XXXX, I was in contact with customer service representatives on numerous occasions inquiring the timeline of when I could expect to receive the title. I was informed I would receive the title in the mail by XX/XX/XXXX. However, On Sunday XX/XX/XXXX, my account with Credit acceptance listed my account as open and a total due of {$30000.00}. I called to speak with customer service on Monday XX/XX/XXXX, trying to figure out why the account was opened back up after I have proof and paperwork it was closed, and they told me I would not be receiving my car title and the only reason they could give me as to why was " mistakes happen ''. I have been working with this company over a month and ensured I would not only receive my title, but the account was closed and " paid in full ''. I was also ensured that all of this was notated in the account transcripts on their end.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/2022 that resulted in unpaid rent of {$880.00} that now a collection agency is trying to collect on. Equifax is incorrectly reporting on this fraud in my credit report. I would like for Equifax to remove this negative mark as soon as possible.