davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FinFit Holding Co, LLC (SD)

I am writing to bring to your attention concerning lending practices by XXXX XXXX XXXX. I believe they are engaging in unethical lending practices, including interest rates that exceed state-mandated limits. Since XX/XX/, I have taken out eight loans with them, and my experiences have been deeply concerning. I was duped into thinking this was an ethical loan because it was offered through my payroll system for work. 

I kindly request your assistance in investigating XXXX XXXX XXXX lending practices, focusing on interest rates that violate state regulations in my state of South Dakota ( on my loan document it says rates are 68.62 % ) and the issue of not receiving interest credit for early loan repayments on the 7 previous loans I had done in order to have money to pay the continuous cycle of loans. These practices raise significant ethical concerns and financial burdens. 

Your organizations expertise in promoting responsible lending practices is vital, and I trust you will help ensure that lending institutions like XXXX adhere to ethical standards. 

Thank you for your attention to this issue, and I look forward to a resolution that protects borrowers rights and promotes responsible lending practices.
Consumer complaint received 2023-12-07
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. (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 Account XXXX Account Name : XXXX Account 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 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I was searching XXXX XXXX XXXX in XXXX XXXX, XXXX thru XXXX ( Moving from XXXX to XXXX XXXX XXXX XXXX and found that room is available and contacted thru XXXX  whether room is still available or not and he replied back with Room is available and share room photos and asked {$700.00} advance to book the room and he share the mobile not to tansfer the amount {$700.00} thru XXXX provide the mobile no is XXXX and i did transfer {$1.00} for confirmation and remaining {$690.00} transferred after his confirmation and after that he did not reply and not picking the call. 
XXXX much frustrated about this incident and i called my bank, explained about this issue and My bank asked XXXX to denied the transaction which happen on XX/XX/XXXX or revert from receive bank, however receive bank informed that fun has been moved to other bank on the same day, unfortunately we could not refund like that receive bank informed. 
Kindly help on this.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I disputed a charge on my account in a written letter involving a delivery problem with an XXXX XXXX  purchase. Despite acknowledging the letter, the bank is claiming that I have not formally disputed the charge and that I need to go to their branch or call them on the phone to do so. This is a violation of my consumer rights. I have the right to dispute in writing. In fact, that is the proper way to file disputes. Furthermore, I am concerned about this pattern of conduct from the bank. For example, I have previously written a detailed letter to them about bank fees that they contacted me about, without asking any questions the letter did not address. The bank seems to have a problem conducting business with me in writing, which is suspicious. I am not impressed with their lack of professionalism.
Consumer complaint received 2023-09-26
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: CITIBANK, N.A. (CA)

Around 2 weeks back, my credit score went down by XXXX points, when I have never missed any payment ever. 
I called XXXX and found out that there is a credit card debt in my name. After looking deeper into credit report, found a Citi bank account associated with my SSN that I never opened. It has a balance of {$13000.00}. So I opened a dispute with XXXX to fix this fraud situation and take it out from my SSN. 
Also, reported the issue to Citi bank immediately. Citi bank did their investigation and confirmed to me on the call that this account is not associated with my SSN anymore and it was indeed a fraud. 
XX/XX/XXXX, My credit score again went down by another XXXX points. I contacted XXXX to find out that the Dispute is now closed, as per the creditor the account is still associated with my SSN.
Consumer complaint received 2024-04-24
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. (FL)

Hello, I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Here follows the accounts that are inaccurate : XXXX. ) XXXX XXXX - Account XXXX : XXXX. 
XXXX. ) XXXX XXXX - Account XXXX : XXXX. 
These accounts are not complete and are inaccurate. 

Also, according to 15 USC 1681s-2 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.

If you check my attachments everything is not complete and accurate.

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Also, according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


Unfortunately they did not do that and according to 15 USC 1681s-2 they are suppose to 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 2023-12-07
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. (OH)

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  Account XXXX Account Name : XXXX  Account 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-26
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. (CA)

Around 2 weeks back, my credit score went down by XXXX points, when I have never missed any payment ever. 
I called Transunion and found out that there is a credit card debt in my name. After looking deeper into credit report, found a XXXXXXXX XXXX account associated with my SSN that I never opened. It has a balance of {$13000.00}. So I opened a dispute with Transunion to fix this fraud situation and take it out from my SSN. 
Also, reported the issue to XXXXXXXX XXXX immediately. XXXXXXXX XXXX  did their investigation and confirmed to me on the call that this account is not associated with my SSN anymore and it was indeed a fraud. 
XX/XX/XXXX, My credit score again went down by another XXXX points. I contacted Transunion to find out that the Dispute is now closed, as per the creditor the account is still associated with my SSN.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-06
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. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-04-24
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. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-12-06
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. (TX)

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX & A Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) and i made no credit application with these companies ( XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-04-27
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. (TX)

XXXX charged three monthly unauthorized charges of {$9.00} from XX/XX/2022 through XX/XX/2022 to my XXXX XXXX account even though I only authorized payment either through my Bank XXXX XXXX checking account ( primary ) or my XXXX XXXX XXXX ( secondary ) for online purchases through XXXX ( which was ultimately for an XXXX membership ). This is reflected in XXXX 's own settings, which only note my Bank XXXX XXXX checking account and XXXX XXXX account as the authorized forms of payment for XXXX charges. This is further reflected in each of the transaction details for the XXXX, XXXX, and XX/XX/2022 charges, which show the funding details as my XXXX  XXXX XXXX checking account or XXXX XXXX account as backup options. Each says " Paid by Bank Account, '' not XXXX XXXX. So either XXXX incorrectly charged my XXXX XXXX Account despite stating in their own records that they charged my Bank Account, or they charged me twice through my XXXX  XXXX XXXX Account ( or XXXX XXXX ) and XXXX XXXX. To be clear, I never authorized XXXX payments to be through my XXXX XXXX Account. This is why I was not aware of the three charges pending on the account, and they went past due. Because they were never authorized. I contacted XXXX about this by submitting online disputes and calling them multiple times. Some customer service representatives even acknowledged the mistake, but they insisted I should just wait the 7 years for them to drop from my credit report. I then submitted two credit report disputes that included the payment settings showing I never authorized charged to XXXX XXXX to each of the three credit bureaus, and my disputes were rejected both times. Now, I submit this dispute to you given that XXXX and the three credit reporting agencies never appropriately addressed these fraudulent charges to my XXXX XXXX Account. There never should have been a balance on the account for it to go past due, unpaid, and then closed by XXXX XXXX without my consent.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXX # XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account # XXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.