davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I need to buy XXXX medication for my mother who is extremely ill. I called Capital One and asked them if I make a full payment will the money be available to me the next day so I can buy the medication for my mother. They told me on the phone that if I paid in full the money would be available back to me the next day by XXXX - XXXX. When I work up this morning to goto XXXX to buy the medication the money was not on my credit card. I just says XXXX balance. When I called back they said it could take days to weeks to clear. I have never made a late payment.
Consumer complaint received 2024-03-30
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. (DE)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-12-01
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. (AL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Chase has refused to honor its VISA debit card fraud guarantee. 

A fraud claim was properly filed as XXXX  XXXX XXXX charged {$590.00} for the creation of XXXX XXXX profiles and failed to create either one. 

Documents proving that neither XXXX profile exists are attached. The profile paid for under my name, XXXX XXXX XXXX does not exist, neither does the profile paid for under my business name, XXXX XXXX XXXX XXXX. 

Additionally, the E-mail message from XXXX XXXX XXXX GUARANTEEING THEIR SERVICES is attached as well. 
100 % Money-Back Guarantee No proof of either page creation was provided by XXXX XXXX XXXX. 
After Chase temporarily provided for a {$590.00} credit when they opened the claim, they just reversed that credit without my knowledge and without notifying me. 
The first Chase representative lied to me and told me that XXXX XXXX XXXX provided them with proof of the published profiles. This of course, is impossible as neither profile was ever published by XXXX. 
When I spoke with a supervisor, XXXX who refused to provide his last name, he also lied to me and told me that I had a agreed to a four-month wait time for the services, which of course, I never agreed to. 
Nevertheless, roughly XXXX months have already passed and neither page has been published. While XXXX XXXX XXXX  has refused to honor its GUARANTEE, Chase is supposed to honor VISAs GUARANTEE against such FRAUD. 
THE SERVICES PAID FOR WERE NEVER RECEIVED. CHASE IS BOUND BY VISA DEBITS CONSUMER PROTECTION GUARANTEE. 
The {$590.00} which was improperly reversed MUST BE CREDITED BACK TO THE ACCOUNT PER VISAS GUARANTEE. Chase may of course, chargeback {$590.00} to XXXX XXXX XXXX which has FAILED TO PROVIDE THE PURCHASED SERVICES AND REFUSED TO HONOR ITS WRITTEN GUARANTEES.
Consumer complaint received 2023-08-06
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. (PA)

On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX  XXXX ( Inquiry ) XXXX XXXXXXXX ( Inquiry ) XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit, also has caused me great financial harm because, I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. Remove Now 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
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY
Consumer complaint received 2023-11-01
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. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AR)

According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (MN)

On XX/XX/2018 I requested a payoff amount on my auto loan through Credit Acceptance Corp, in XXXX Michigan. They faxed it to me, I then worked w/ my hometown bank to get a lower interest rate. 

On XX/XX/XXXX my bank sent the requested amount ( attached is the check ) Credit Acceptance cashed the check on the XX/XX/XXXX of the month. I spoke to them on that date and they said there was a {$10.00} balance that they would just get rid of and close my account. 

I thought the matter was closed. 

On XX/XX/XXXX I received a " hit '' to my credit report, as did my husband, who is also on the account for the car. 

I called Credit Acceptance and they said there was a balance and I was late for the payment ( according to documents attached, my payment is due on the XX/XX/XXXX of the month. 

I told them I was told by them they were going to get rid of the {$10.00} and close the account, clearly they didn't do that. They agreed to the wipe of money but then I asked what about my credit hit I took. They stated it was a valid dock on my account because I was late. 

If that were the case, I would have given them the {$10.00} that moment, but I do not deserve such a hit to my credit nor does my husband. 

I am unable to help how quickly they cash a check, or receive by mail. My bank sent it in time.
Consumer complaint received 2024-03-30
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. (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and Experian. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.
Consumer complaint received 2024-03-30
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. (TX)

Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration
Consumer complaint received 2023-12-01
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. (NV)

I have repeatedly emphasized the urgency of this matter. I am fully prepared to take decisive action. Given the lack of progress or any positive developments, I am left with no alternative but to escalate this case to arbitration. Despite my previous efforts to address this dispute, no resolution has been reached. The entire extent of my grievances remains unresolved. The investigation, which was supposed to be completed within 30 days according to the law, actually took 60 days. This delay is unacceptable, as anything beyond the mandated timeframe necessitates removal. I have already reached out to the XXXX XXXX XXXX, indicating my readiness to pursue arbitration against all relevant parties for the damages incurred.. Regrettably, I am unable to relocate due to the companies ' unlawful reporting of consumer credit transactions, which flagrantly violate my consumer rights, privacy, and consumer law. I am actively engaging with the state legislator regarding this issue. Despite my attempts to resolve the matter with all three credit reporting agencies, who continue to report these illegal consumer credit transactions, I am left with no choice but to initiate arbitration proceedings to seek compensation for the damages inflicted. I am seeking {$25000.00} for each damage caused to ensure the safety and well-being of myself and my children. The distressing nature of this situation has compelled me to seek counseling and various forms of assistance. It is imperative that these erroneous late payments be expeditiously removed from my records. 
These account are reporting fraud does not belong to me.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (CA)

I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my XXXX XXXX and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (MI)

XXXX XXXX and Experian continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

XXXX XXXX agreed in their terms and conditions agreed not to release my non public information to non affiliates. Experian is not an affiliate of XXXX XXXX and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a private owned company does furnish reports based on profit. 

Experian does not have my written consent to furnish ANY of my financial history with XXXX XXXX. 

XXXX  XXXX is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.
Consumer complaint received 2023-12-01
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 have already sent a letter to the Experian bureau requesting the removal of the inquiries and inaccurate addresses reporting on my credit file but the inquiries and inaccurate addresses listed below are still reporting on my credit report and are violating Federal Law. XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these inquiries and inaccurate addresses completely from my Credit Report : 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 2018-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

On XX/XX/XXXX I received a text alert from Chime asking if I tried to make a purchase for {$80.00} I replied No because I didnt make no transactions. I received a follow up text stating a representative would be with me shortly. I received the call, the rep told me there was a transaction currently trying to be made on my account I stated I was at work I hadnt made no purchase ( s ) that day. The rep had me go into my account tell him my balance for whatever reason and to turn off the transactions from being made on my account. I did as instructed and received a text asking me to send XXXX XXXX the amount in my account I said No I will not. He stated transactions are off its just a test so I did as instructed. He then told me my XXXX XXXX card I just received was hacked I needed to get a new card which I just received for the same reason hacked. He stated it was hacked before I even received the card which was not activated until I received it. He asked if I has XXXX XXXX and if my account was linked with my Chime account I stated yes. He then asked me to hold which I did for about XXXX minutes and he told me to log into my XXXX XXXX account which was odd to me. At that moment I seen the amount that was in my checking account sent via XXXX XXXX to a XXXX which I did not do. It said for testing. I was hung up on so I called back to get no answer for the next XXXX hours finally getting a rep who stated she made a note of my complaint on XX/XX/XXXX to call back after it had been XXXX hours. I called in the XXXX hours rep took my information said she started a dispute on the transaction I could log into my account and follow up on it see where it was day to day. The next morning which was Saturday I recall it had been closed and I didnt receive why their reason was by email like the rep stated I would receive. I have called back to talk to a representative only to be hung up on. I canceled the cards and they are mailing new cards to me but it does not put my stolen money back into my account!!