davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (NY)

On XX/XX/23 I received an alert from XXXX ( an identity protection service ), that a company viewed my credit report, resulting in a hard inquiry. The inquiry was from XXXX. 

I however did not apply for any form of credit so was perplexed and alarmed by this. 

After doing some research, I found that this happened to a lot of people on the same day. See this thread on XXXX : https : XXXX I have tried to call both Transunion and XXXX, but no one gets back to me ever. I want this inquiry removed as it was unauthorized and thus, unlawful.
Consumer complaint received 2023-07-24
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. (AR)

I have sent request and police report to Transunion about several hard inquires that I did not authorize. I ask that these inquires be removed. I have made many many attempts to do so with Transunion and get no help what so ever! I have contacted the Merchants and they asked that i contact the credit bureaus to have them remove which XXXX and XXXX did with no issues at all. These are the inquires that i am requesting 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 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 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 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CO)

I had a JPMCB Card from Chase that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed Chase a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NY)

Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Consumer complaint received 2023-05-11
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. (GA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I signed up for the WYNDHAM REWARDS EARNER BUSINESS CARD by Barclays Delaware. With the signup process there was introductory offer of : " Introductory Bonus Offer : Earn XXXX bonus Points after spending {$4000.00} on purchases, less credits, returns, and adjustments ( excluding timeshare down payment purchases from Wyndham XXXX XXXX XXXX XXXX, Wyndham XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related developer affiliates and partners ), within the first 90 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account. 

Earn XXXX bonus Points after spending a total of {$15000.00} on purchases, less credits, returns, and adjustments ( excluding timeshare down payment purchases from Wyndham XXXX XXXX XXXX XXXX, Wyndham XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related developer affiliates and partners ), within the first 365 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account. '' I have reached the first threshold of spending {$4000.00} to receive XXXX Wyndham points, however after checking my statement I only see a bonis of XXXX points. I tried calling customer service and they were unable to resolve the issue nor were they able to escalate it within their rewards department. Attached are two files, one is my statement from last month and another is the pending points when my current statement posts later this month. Note that the pending points are XXXX, XXXX of those points are from general spending and the XXXX points are the bonus introductory points after spending {$4000.00}. XXXX points are short of the terms Barclays and I agreed upon.
Consumer complaint received 2023-09-01
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)

I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

Chapter XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2023-09-01
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$530.00}
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Timeline of Events : Purchase Date : I purchased the vehicle on XX/XX/XXXX. 
Initial Complaints : I filed complaints with the dealership in XXXX regarding the vehicle 's condition and lack of tags and plates. 
Repossession : The vehicle was repossessed without any prior knowledge or warning on XX/XX/XXXX. 

Details of the Complaint : XXXX XXXX : I was sold a vehicle that was faulty from the beginning, causing significant inconvenience and financial strain. Despite my numerous attempts to address these issues with the dealership, they refused to allow me to exchange the vehicle for a more reliable one. 

Tags and Plates : I never received the tags or plates for the vehicle. This failure to provide necessary documentation has prevented me from legally operating the vehicle. 

Repossession Without Warning : The vehicle was repossessed without any prior warning or notification. At the time of repossession, my personal belongings valued at over {$8000.00} were still inside the vehicle. These items have not been returned to me, causing significant distress and financial loss. 

Lack of Communication from Lender : After making a complaint regarding these issues, I have not received any information or updates from the lender. This lack of communication and transparency is unacceptable and leaves me without resolution or recourse.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TN)

To accordance with the fair credit credit reporting act XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 602A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I've contacted Experian and filed multiple disputes with the same to have the information contained on my credit report to be corrected and updated to reflect the current status of the accounts in error. Each time I receive the same reply, stating the information has been verified. Obviously the information has not been verified through verbal communication. The accounts in question were last updated on XX/XX/2023. I've been in contact with the Dept. of EdXXXX. In my conversation with a representative they have verified that the information reporting on my credit report is not correct ; nonetheless, they were unable to provide me with a resolution to correcting the reporting problem other than filing a complaint. The recent balances that are reporting on my credit report should show that the referenced accounts and associated balances have been Transferred and closed over 120 days ago.
Consumer complaint received 2023-09-01
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$530.00}
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Bank checking account is with Capital One. I also use XXXX. XX/XX/23 Received a text from the Capital One telling me that there was suspicious activity on my account and if it was from me. I replied " No ''. I then received a call from the Capital One help line XXXX  ( I looked up the number to make sure it was Capital One ). 

They identified themselves as an account rep and knew my account balance. They were asking for more information on my account. They said they changed my password and needed the code- which I gave them. They said they would move funds around and secure the account and would call back. They said my account would be temporarily locked. 

They called back asking for XXXX account information. I gave them the XXXX password. I then noticed money being withdrawn from my XXXX account. 

They then called my mother ( who is a contact in my XXXX account ) asking her for her password. She did not respond and hung up. She called me to let me know and that I should call Capital One. 

I called Capital One to inform them of the unauthorized transactions. 

In total over the next 3 days {$4900.00} was transferred from my Capital One checking account to XXXX. From XXXX, the money was transferred to someone I don't know. 

In addition, {$1500.00} was transferred out using XXXX XXXX 
At this point all my funds from the checking account were gone. 

{$200.00} in credit card transactions were also fraudulent and disputed. This amount was refunded. 

I called Capital One on XX/XX/23 to dispute the transactions. My cards were cancelled. They opened a case and the informed me that my claim was denied for the following reason : " Due to authorization and/or participation in the transaction activity. ''
Consumer complaint received 2023-11-01
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. (KY)

XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX  XXXX XXXX.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I paid off my credit card statement in full after realizing Paypal was charging me {$500.00} in interest every month! Once I paid off the card I closed my account. After closing the account Paypal charged me {$2.00} in interest. Because my account was closed and I hadn't new charges on the card, I did not owe them {$2.00} in interest, that was their mistake to correct. Over a month later they charge me a {$30.00} late for for not paying the {$2.00} in interest! Now I'm getting a call almost weekly stating that " this is an attempt to collect a debt '' I don't owe you anything my credit card is closed. Please return the balance to XXXX  and leave me alone.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Reporting act XXXX  Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on credit card accounts under an open end consumer credit plan as late for any reason.

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute 2023-11-03 to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you.

I have attached the letter. I received from experian
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

I have been a customer with cash app for over 6 years, have used their services plentiful. On Tuesday, XX/XX/XXXX, I went to an atm and the machine was faulty and did not dispense cash. I opened a claim and as of Sunday, XX/XX/XXXX I was credited back. Today i attempt to purchase and send bitcoin as I have done now for over a year and was flagged and closed today without explanation. This was normal activity to buy sell and send.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MI)

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. ()

On or around XXXX or XXXX of XXXX, I was served several documents stating that I owe the department store XXXX XXXX at the approximate amount of over {$21000.00}. I stated to my Attorney that I was aware of the credit card but not responsible for the astronomical amount shown on the documents I was served. I obtained my credit report around the years of XXXX and XXXX to date through my credit repairing company and there was nothing on my credit report on the above years stated. Once I received documents, I contacted my Attorney. I suspected fraud and went to the local Police Department and filed a police report on this issue.
Consumer complaint received 2023-12-05
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. (MO)

Experian now has stolen XXXX  months of on time never late payments to XXXX and refuse to give them back. Overwhelming evidence that Experian is deliberately engaging in these tactics to retaliate against me for filing these complaints
Consumer complaint received 2023-12-05
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)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.