davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX transferred {$19000.00} XXXX to my Chase checking account on XX/XX/year>. Chase rejected the wire & sent it back on XX/XX/year>. Called Chase every day to ask where is my money! Called XXXX XXXX & XXXX only to get the same answer. It was wired on XX/XX/year>. Wires are instant in most cases. Today I spoke with an agent in Chase Wire tracking department. He informed me that a code was missing for the wire to be sent back and was added yesterday. ( XX/XX/year> ) So for 5 days the wire was not initiated due to human error!! 
Nobody at Chase called to advise the wire was rejected! Nobody at my branch answered the phone a week prior to the transfer so I could talk about the incoming wire. My $ XXXX is still floating around a week later and I am not receiving interest on it at 5 % accrued daily. Unacceptable business practice.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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. 

XXXX XXXX {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$200.00}
Consumer complaint received 2023-12-05
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Neon Newco Corporation (MI)

On XX/XX/2023 a double payment of {$230.00} was made to XXXX. I immediately informed Netspend of the error. Netspend refused to return the duplicate payment stating they must investigate and it would take ten to 45 days before a provisional credit is applied on an obvious error. As of this day a provisional credit nor the return of my has not processed on my verified account. Every representative I've spoken with has given the same response of " we are investigating you must wait. '' Why is returning my money taking so long to be returned? Especially, when it was an obvious error.
Consumer complaint received 2023-12-13
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. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-13
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)

ASK THE COMPANY TO SEND DOCUMENTS OR DOCUMENTATION SHOWING PROOF THESE ACCOUNTS BELONG TO ME. COMPANY ( S ) NEVER SENT PROOF THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOME HAS USED MY IDENTITY TO ENGAGE IN OBTAINING FRAUDULENT CREDIT IN MY NAME.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

For affirm which is the company that Im talking about. I had finished paying them in full and close the countdown XX/XX/year>. However, I was up-to-date a month ago and theyre still saying that I owed them money theyre not updating anything. they are just a horrible company so if you guys can please Assist me and knocking them down..
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC. (IL)

I remember I came to the dealership with my family, looking for a specific car, this was my first time doing this. I had {$1000.00} in my pocket from my work check and they hide the car in the lot because I seen it and they said they sold it. I was promise better cars and they manipulated me and waged my money, making me give it to him. Making it seem like the {$1000.00} was the only way, and opportunity for me to drive. I was was so disappointed. The car a month was {$710.00} I was crushed.
Consumer complaint received 2024-07-25
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : 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 2024-07-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc. (FL)

I had acquired a construction XXXX about a XXXX ago for property address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX for the builders XXXX XXXX to build for me. XXXX passed & no draws were taken from the XXXX, FCI Lender Services, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The lender did not want to continue as time had expired & were asking closing costsof {$20000.00} which I accepted. But then I receive another invoice on which {$94000.00} were added. I called the XXXX & was told that they will look into & come back in XXXX. They never responded. So I sent an email on which they responded that I had requested the draw & they showed their memo but no proof was given that I requested & that wire was sent for that amount {$94000.00}. This is a false claim and a scam by the Lenders. I need help please I am reaching XXXX years of age, XXXX XXXX  XXXX & this stress has increaded my XXXX XXXX XXXX nights. I need help desperately please
Consumer complaint received 2023-12-13
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. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-24
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I obtained the american express platinum card because they sent me an offer for XXXX membership rewards points for XXXX dollars of spend within 6 months and I accepted the offer and was approved for the platinum card. 

On XX/XX/XXXX, I received my XXXX points but I kept using the card well after that date until I found out on XXXX that I received the points so started spending with other credit cards that had better points rewards for other categories ( groceries, dining, entertainment, etc ). 

On XX/XX/XXXX, I found out that american express took away my XXXX points. I reached out to chat support asking why the points were taken away and found out that it was because I had refunds/credits on my statement and they reiterated the terms and conditions saying that any misuse/abuse/gaming including refunds/credits on the account will allow for american express to take back those points. I asked for the specific transaction but they refused to give me the specific transaction and said that they will never add back the points no matter what. 

I asserted that american express should not have awarded me the XXXX points in the first place or simply took away the XXXX points when the credit/refund was first seen because I would have more than happily made more purchases but they took away the XXXX points 4 months later ( 2 months after when the welcome offer would expire ) almost as if they did it so that they could specifically not add the points back. This is extremely deceptive and unfair and I feel like they specifically used the timeframe to their advantage.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I asked for my name to be corrected on my credit report. Although the company changed my name, the change is incorrect because it omits the hyphen and makes it appear as a different name. It should be exactly as it appears on my Driver 's License ( my legal name ), which I sent to them. It is not. I also asked for my address to be corrected. The correction made the error worse. Because these items are incorrect, I have not been able to open an account with on-line banks which offer highest savings interest rates. The banks have told me they can not verify my identity, which they do by checking one or more of the three main credit reporting services.
Consumer complaint received 2023-12-13
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

I was sued by Midland Credit Management , Inc. without ever being properly served a summons. I have no idea who the original creditor was or how much debt I was being sued for. The validity of this debt has not been proven. 

The judgement was obtained on XX/XX/XXXX, which I never knew existed until XX/XX/XXXX when i received a notice to judgement debtor from my clerk of courts. Midland Credit Management XXXX Inc. allegedly served a summons to a former address of mine back in XXXX of XXXX. I would have certainly filed a motion to dismiss and Compel arbitration had I known there was a lawsuit against me. I feel as though I was deceived. 

There could also be an FDCPA statute of limitations violation as well ( 6 years ). I did not know when the clock started for the statute of limitations since I was unaware of an existing summons until XX/XX/XXXX.
Consumer complaint received 2023-12-02
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: AMERICAN EXPRESS COMPANY (MI)

My identity is stolen and someone somewhere is using it to apply for XXXX, American express and XXXX XXXXXXXX credit card as me. It seems they have collected a loan from XXXX and trying to create bank accounts using my information. I have received alert from experian of hard credit inquiries which is affecting my credit score badly. Please I need help. Thank you.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

Beginning XX/XX/year> I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About 2 months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXXXXXX XXXX XXXX XXXX due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....
Consumer complaint received 2023-12-13
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. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (GA)

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 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

I hope this letter finds you well. I am writing to kindly request a goodwill adjustment for the removal of a paid-off account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. 

I appreciate the opportunity to have been a customer of Macy 's and have always strived to manage my financial obligations responsibly. The account in question, XXXXwas closed sometime in XX/XX/year>. 

However, I have recently become aware that the negative information related to this account is still impacting my credit score. I understand that the FCRA allows for such negative entries to remain on credit reports for up to seven years, and with this account being closed 9 years ago, it's safe to say it's well passed the 7 year mark.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.