davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Please correct these accounts immediately.
Consumer complaint received 2024-04-08
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding inaccurate information was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/year> to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Fraudulent Account : XXXX XXXX - XXXX
Consumer complaint received 2023-02-22
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I've opened a 360 Checking Account on the bank 's website using a public promo code XXXX XXXX XXXX and everything seemed fine initially until my account was restricted the very next day. An email from the bank stated that I have to submit ID verification in order to restore my account access. So I've complied promptly by submitting my Washington Driver 's License on XX/XX/ using the link in the email and was told that the issue would be resolved in 2 days. 

However, no response was received after a week so I've decided to reach out. I called the bank at XXXX XXXX XXXX hoping to speak with someone to get a resolution. A gentleman answered after a long wait and then tried to make the matter very hard for me. I was fine if he's just trying to make sure I'm who I'm, however he just kept going by asking way more questions than I would ever imagined. Half way through the process, he even asked me to submit my ID again although it was already done a week ago, and then, he went on by asking for my full SSN over the phone which I was reluctant to give away. I meant the bank already has that info when I've submitted my application. So I countered to confirm the last four digits only but he wouldn't budge and said he can't help me if I don't give the full SSN. During the call I was actually intimidated multiple times not only by his behavior but also by the so-called bank procedures. I thought he's finished until even more bizarre questions hit me like how did you hear about Capital One, why did you choose to open an account, how do you plan to use your account and so on, which made me felt like I may have gotten scammed by dialing the wrong number. So I double checked the number and even asked the agent for the number of his department, and no doubt, it is Capital One whom I was speaking with. Wow, what an experience from a reputable bank in America! I suspected that this call center may have been located overseas and understaffed, and the whole team there seemed to be poorly trained and treated to have resulted in the kind of service that I've received! 

Before giving up I decided to give it one more try on XX/XX/XXXX XXXX XXXX XXXX  and it went into voicemail box for Customer Protection Resolution Team, so I left one with my full name, full acct number and phone number as instructed. Unfortunately, no call back was ever received.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

of XXXX XXXX, My name is showing as an old name. Also there are three addresses showing as my current. I contacted the creditor that was stated as showing a different name. However the 1 Creditor shown as reporting using my old information, is reporting using my correct current name. I don't see any creditors reporting using my old name. I called on XX/XX/XXXX  to inquire about the instructions for updating my personal information showing on my credit report with Experian, and also my membership information with Experian. I was shuffled around to seven different people from the Disputes Dept, Membership Dept., Fraud dept. and the Smart Money Dept. I was on the phone for 45 minutes. Still have no instructions pertaining to the correct way to update my name to what it was and address.
Consumer complaint received 2023-10-24
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. (GA)

Ive escalated this account for several times, directly to your department, concerning an account number XXXX - XXXX - Date Opened : XX/XX/, and I am not aware that this was furnished on my credit file without my approval. I never received any notifications nor warnings about this and I never authorized any person to make some changes on my credit report. I want this to be fully removed from my record. 

I find this account very misleading, incorrect and inconsistent. Please know that I dont give anybody consent to make use of my name and my identity. So, kindly take this off of my credit history immediately.
Consumer complaint received 2024-04-08
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)

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 2023-10-24
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. (GA)

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 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 2023-10-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$31000.00}. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/ and a balance of {$48000.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX  and a balance of {$9400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's causing me XXXX.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XXXX Experian and XXXX haven't sent me information on how they determine their investigation. When I spoke with experian stated they get their info from XXXXXXXX XXXX XXXX  and I've provided info that I got from them
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

Received a response to the original complaint which is not satisfactory. The introductory APR expired on XX/XX/. Regardless of the date of the statements, the interest rate charged to the balance transfer offer increased after XX/XX/. Therefore a payment made XX/XX/XXXX  and received by the company XX/XX/XXXX  should have been applied to the balance transfer balance, which was the highest APR of the plans at the time that the payment was received. The statement dates mean absolutely nothing. This is predatory lending and refunding a partial month 's interest charges while continuing to charge 2.5x the interest rate you are entitled to is not an acceptable response. The documents you sent actually reinforce my positron and prove that the date you applied the payment to the lower interest rate plan was incorrect. You have not complied with the laws and I will continue to file complaints and seek remedies to the fullest extent.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XX/XX/2022 I reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation
Consumer complaint received 2023-04-20
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX  Date XXXX XX/XX/XXXX XXXX {$0.00}, and Dept Of Ed/XXXX  Date opened XX/XX/XXXX XXXX {$0.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC1666b. See the documents attached. XXXX  XXXX XXXX Date opened XXXX, XXXX XXXX {$0.00}. Please correct these accounts immediately.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to Capital One for some understanding in helping with lowering my credit card payments. I am a XXXX XXXX who has just lost her job. I plan on paying my bill but I need some late fees removed, interest payments, interest fees, and some late fees, as I paid my card twice in one month and was still charged as though I was late. I would also like to be able to remove all my late payments. Any and all help would be appreciated In this matter.
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

My daughter and I purchased a car from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The car is financed by Credit Acceptance Corporation. In addition an extended warranty was purchased for {$2400.00}. The extended warranty company is XXXX XXXX XXXX XXXX , XXXX We were given a generic brochure on the purchase date by the dealer and told the agreement would be mailed within two weeks. We never received the service agreement and called XXXX XXXX to inquire they said they didn't have a copy. I called Credit Acceptance Corporation and mentioned that I never saw or received the agreement. They immediately offered to send me a copy of the agreement. I thought it was odd that they had a copy, since they are a " separate '' business entity. We started having issues with the car and called XXXX XXXX several times with claim related issues. I called Credit Acceptance Corporation and told them I was having problems with the extended warranty. XXXX XXXX ( Credit Acceptance Corporation ) told me they had reviewed claims that I submitted to XXXX XXXX. I want to dissolve this relationship with Credit Acceptance Corp for the following reasons : 1 ) Lack of privacy with personal information. No permission was given to CAC to review claims. They should not have an influence on claims. XXXX XXXX is suppose to be a totally different company. 
2 ) Had I known the '' two '' companies intermingled information, I would have selected a different extended warranty company. 
3 ) The odometer reading on the extended warranty contract reads XXXX, the Bill of Sale contract with Credit Acceptance Corp reads XXXX. CAC/XXXX XXXX  executed contracts with this huge inconsistency. 
4 ) It is obvious that Credit Acceptance Corp and XXXX 's is one in the same. This is different that what's presented to the customer.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/23, I send a {$3000.00} to a friend in XXXX, XXXX through my saving of Wells Fargo to his account of XXXX XXXX  XXXX XXXX, my bank asked me questions about the receivers personal thing and I told them to stop sending money and put it back to my account and they ask me twice do you want not to send money and I answer both yes, my branch called me to answer some personal questions of my friend and told them I want my money back but the bank said they already send the money, my friend called me and said the money didnt even reach his bank, yesterday I called the bank and they said someone in Wells Fargo is holding the money for some reason that they didnt tell me. I want know where is my money
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

Hi I thought the claim was closed in my favor with XXXX XXXX and I spoke to the fraud investigator and she was very rude to me and it been over 45 days and the claim is still pending and I want it close and all payments that was stolen from me to refunded back to me. 
Also I dont want any offers from this bank and I didnt apply for XXXX XXXX or did any business with this company
Consumer complaint received 2023-09-08
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. (MO)

this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX  XXXX XXXX XXXX, or XXXX furnished on my report.
Consumer complaint received 2023-10-24
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. (CA)

I am writing in regards to these frivolous inquires that's has been reported to my credit reports under no circumstance applied for any credit nor gave consent to anyone to do so as well.THESE ARE FRAUDULANT INQUIRES AND UNDER 15 USC 1681c-2 ( blocking of fraudulent information ) all information deemed fraudulent by the consumer me and these inquires needs to be removed. 

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 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Today, XX/XX/XXXX, in the morning, I brought all 'unwanted ' items, except frames and foldable laptop table, to the police. After the explanation of situation, I was told to dispose them by the XXXX XXXX police. Also, I was told to ask or notify the management of XXXX XXXX in XXXX XXXX, NJ. Without checking the items in the management office, we agreed to discard them ; however, the lady had decided to keep our apartment number and the information of 'unwanted ' items. Then, I threw away that XXXX XXXX ' item, which the policeman showed the expression of surprise when he saw it at the end after seeing other items. Two earbuds and an angel with dog were donated.