davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (VA)

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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXXXXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive
Consumer complaint received 2023-12-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (CT)

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Office of Michael J. Scott, PC (TN)

I currently work out of town, debt collector showed up in XXXX and asked if I was home and they said no he doesn't live here at the moment. Instead of calling my number or waiting until I return, Debt collector proceeds to hand them my summons to court papers and tells them I have to be at court over debt not paid. No covering of the papers to hide reasons for the court summons, it showed the amount I owed and court date. As they were told I was out of town and not living there at the time, mails my grandparents bills and other information to the point I had to call them and tell them ( after my grandparents explained I didn't live there at the time bc of work ) that I currently stay at a place out of town to stop sending personal mail there.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To bank of Americas Advantage, I as a victim of identity theft and without access to my account due to two factor authentication, transfers and usage was going on without having verified my identity. The numerous instant transfers and ongoing attempts ensued since XX/XX/XXXX  and despite the hours and hours of telephone conversations which seemed to be designed to run me down tirelessly as they must be aware Identity theft is daunting and not limited to just their accounts. They were negligent in their response to my situation- in one example where I had asked them to not commingle accounts, they still did it anyway. This meant if you logged into the new account, you still had access to the old one. Adding to the painful ordeal and trying to juggle this immense process of repairing the financial nightmare, by not adhering to my request, replacement debit cards were being cloned and fraudulently used without it having arrived to my home address. Yet, they questioned and haggled me to continue some sort of decoy which would leave any consumer in despair. After more than 20 years with BOA, they're tactics and negligence contributed to my joblessness, depleted retirement, loss of vehicle and not to mention the emotional distress and trauma this causes. The nerve of this deceptive entity has now summoned me with a lawsuit pending trial. As if that doesnt speak about their true integrity. Shameful..
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (NY)

Hi I open the account with coinbase wallet then i opened Trust Wallet and transfer funds from coinbase to Trust wallet around {$98000.00}. Then through trust wallet i browse XXXX XXXX XXXX XXXX XXXX XXXXXXXX And invest here then after 3 days someone hacked my all funds. I complaint with local enforcement and noone response yet. Please help to recover from Trust wallet. Because this money is like my life i am broken. 
My name XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

Claim filed with CashApp on XX/XX/2022, charges were when I was sleeping starting XXXX XXXX  XX/XX/2022 into the morning ( claim denied on Monday ). Claim/Reference number is XXXX. ALL PURCHASES TAKE PLACE IN CALIFORNIA, I live in Alabama and XXXX and XXXX are not even located here XX/XX/2022 XXXX XXXX  {$15.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX {$220.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$390.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$5.00} XXXX  XX/XX/2022 XXXX XXXX  {$10.00} XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 15 U.S code 1692e False or misleading representations XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX. 
XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 
XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
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: EQUIFAX, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
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. (KY)

I want all three of these red flags removed from my account. I do not have no personal loans and I am flagged for a personal loan on the experience app. I have no personal loans. I have no mortgage loan removed this inaccurate information.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
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. (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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or 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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, My Experian credit has had my address changed to the wrong address. I've tried to resolve this through the Experian website to no avail. 
I've been down every rabbit hole on the site trying to find an email to a phone number where I can resolve this matter but the phone menu does not have a choice for address change nor the ability to connect you with a human. The website informs me when I try to create an account that my email address is already taken and Experian does not recognize my phone number for password recovery. The Experian website basically just tries to upsell you more credit reporting products, of course for a " reasonable fee ''. 
XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (NY)

My name is XXXX 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.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and equifax but not XXXX. Filed another dispute with XXXX  and XXXX  XX/XX/2023, no communication from XXXX  and XXXX dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
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. (NJ)

Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the XXXX, XXXX includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the XXXX 's XXXX, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the XXXX Moreover, if my XXXX has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so XXXX result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. 
FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

I have been hacked by someone using a pretty good scheme. First of all this person made a payment on my credit card for XXXX ( I have no idea anyone who wants to steal money would do this ) and then the hacker attempted to purchase multiple charges at XXXX for XXXX XXXX and also a charge for XXXX These charges were immediately sent to chase as fraud by me. This then caused me to lock and cancel my card. I requested a new card which came in the mail. 1 month later chase sends this persons payment back to them and charges me the 3 charges they already removed from my account as fraud. This then changed my minimum payment from the prior month which I did pay. And this resulted in them sending me to collections for a payment I made!!! All because they reposted fraud charges to my account. Im furious this hit my credit and Ive spoken to many managers who can not help. They said I authorized these charged and I have asked them multiple times for proof of this. Whoever is doing these scam is very good at it unfortuanltey but I still dont understand why anyone would make a payment on someones credit card they are trying to make fraud charges on?

( Somehow they got the payment back and the fraud charges went through and now Im in a pickle ) Please help. 

Chase credit has been awful to deal with.
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 has closed another XXXX complaints today without addressing the issue instead they give explanations that are completely absorbed and has absolutely nothing to do with the problem which is they NOW HAVE STOLE 18 months of on time never late payments to XXXX and refuse to give them back