davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX my account was hacked and funds were instantly transferred to someones account through XXXX XXXX. It was out of the ordinary for my history. My phone line was hacked and i sent them proof of the calls. I was a victim of scam and my bank is refusing to be the slightest bit of help. I have sent them police reports, my statements, call logs to prove i was compromised. This all happened when i received a sketchy email from XXXX. I called to report it ( the XXXX support line from their legit website ) and from there the line was hacked. They took all my information and were able to send money to anyone. I work under XXXX would never do something to compromise my licensing XX/XX/XXXX Amount : {$1200.00}
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are 2 credit inquiries on my account that I did not make. 
One from XXXXXXXX XXXX XXXX for a XXXX XXXX XXXX on XX/XX/year>. The Card was successfully opened and the person used the cards to book flights on XXXX XXXX. Fortunately I received email confirmations of the credit card and flights so I immediately called and cancelled. 

There is another inquiry on my report from XXXXXXXX XXXX XXXX on XX/XX/year>. I Did not make this inquiry Another one from XXXX XXXX XXXX That one is unclear if a card was opened.
Consumer complaint received 2023-04-17
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. (GA)

I have been working on my Experian credit profile and I noticed there is are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX needs to be deleted. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Description : We made purchases recently on our Kohl 's Card, which is a joint account with both my wife and myself on the account. 

Kohl 's charges items to our account based on fulfillment, which means that we do not know exactly when charges will post. We rely on a statement from the card issuer to ensure that we pay on time and avoid fees and interest.

Kohl 's does not provide paperless statements as we have requested. ( We also do not receive them via US Mailwe prefer Email, and requested this years ago. When speaking with them by phone, they have confirmed that they have the correct email address ) We have verified our email address and checked spam and junk folders. Kohl 's is not sending statements to increase our exposure to fees and interest charges. This has been an ongoing issue for several years. 

Our current balance is {$590.00} which includes a late fee of {$29.00} and interest charges of {$13.00}. The fee and interest are only applied because Kohl 's does not send paperless email statements as we have requested. Had we received our statements, we would have paid the balance on time and avoided fees and interest. 

We took action to resolve this issue as follows : XX/XX/year> XXXXXXXX XXXX My wife called and spoke to XXXX ( she ) id number XXXX. She transferred my wife to collections XX/XX/year> XXXX. Spoke to XXXX ( she ) id number XXXX. She offered to remove the late fee " if we pay NOW, over the phone '' but refused to address the interest charges. 
She told us that it is impossible to remove the interest. This is a pressure tactic she used to try to force us to pay immediately. XXXX verified our email address and could not explain why our statements are not being sent/received. 

Kohl 's business practices purposefully increase fees and interest by not providing timely and routine information to customers. We believe this is fraudulent and that our Late Fees and Interest should be credited to our account immediately.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am not liable for this debt with Huntington Bank {$1700.00} Account Number XXXX. They did not provide me with the original contract with my signature and ID verification According to 15 USC 1681 stats a consumer credit report It is illegal for a collection agency to report negative items on my credit report and promotes accuracy, fairness and the privacy of personal information assembled by ( CRAs ) Credit Reporting Agencies, I did not give written permission to have those accounts furnished on my credit report. Please removed off all 3 credit bureaus.
Consumer complaint received 2024-06-20
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. (AR)

Verification and validation with my full name and address as shown on my credit file and if it was a charged off account, I never received a 1099 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (NY)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-15
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. (PA)

XXXX and Equifax are both reporting an account by the name " XXXX '' on my credit report to be accurate. Which is completely false and misleading and are actually violating my rights. Credit reporting agencies must maintain accurate and complete information. Upon reviewing my credit report, I see that both companies have outdated, incorrect, or incomplete information being reported, such as wrong account statuses, incorrect balances, or mixed information from my credit file. They are in violation by " reporting an account as active when it was voluntarily closed by a consumer and. 
According to the FRCA, all inaccurate information must be corrected or removed from my credit profile. Both companies have chose to keep reporting this in accuracies. They willingly and negligently failed to comply with its obligations under the FCRA. I have beeb denied housing due to this inaccuracy.
Consumer complaint received 2024-01-02
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. (IL)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX is continuously updating the date of last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date last activity on Equifax is XX/XX/XXXX. The date of last activity on XXXX is XX/XX/XXXX and Im sure you will change it the next month. Im not sure if XXXX has some type of business relationship with the collection agency but I am not happy that they are changing the date every month. This account was put on my report XX/XX/XXXX and they are making this account look newer than what it really is which is false and misleading. On XXXX and XXXX the account states that the account is Paid and in collections and on Equifax it states that the account is closed and late 120 days. XXXX and XXXX states that the accounts last payment was dated XX/XX/XXXX, while Equifax states last payment was XX/XX/XXXX. 

According to the 15 U.S.C 1681 law there should only be accurate information on my credit report. Transition refuses to correct the incorrect information on my credit report. Thus damaging my reputation and character. Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2024 I got a text from XXXX XXXX XXXX thanking me for applying for there card. I did not apply for a card there or anywhere. Next I got a hard inquiry on my credit. I called target and explained that I didnt apply. Target told me to contact XXXX XXXX  XXXX. Next I froze my credit on XXXX. Filed a dispute on XXXX XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

Dear XXXX XXXX XXXX, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. 

The details of the alleged debt are as follows : Account Number:XXXX Original Creditor : XXXX Amount : {$1300.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. 

Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. 

Please confirm in writing that you have ceased all collection activities on this account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

Caine & Weiner is a debt collection company that I do not have a wet ink signature contract with. I have never heard of this company nor have I willingly or voluntarily conducted any business with this company. I have asked for verification of debt that has my wet ink signature. In the event, that they can't I have demanded them to remove themselves from my credit report. The can not supply the requested information. They appeared on my credit report in 2021 and they have reported negative on my account nearly every month since. It has affected me personally and financially.
Consumer complaint received 2024-01-02
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. (CT)

I just reviewed my XXXX, XXXX and Transunion credit reports and it still shows the inaccurate and unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately
Consumer complaint received 2023-03-14
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  {$3800.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXX XXXX {$720.00}.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ID)

I applied to get your XXXX XXXX. Never was I formally notified that I will not be receiving the sign up bonus due to having another card open through American express. It clearly states in the terms of the card that I would be notified before processing an applications. I have spoken to XXXX different customer service reps including a XXXX who can not show me where I was made aware that I would not receive a sign up bonus.
Consumer complaint received 2023-04-21
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : XXXX XXXX XXXX  Account 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested a letter of Validation. They have sent a letter back, however within that letter was a balance that did not match my credit report. I have been disputing with the credit bureaus for years, and they have not resolved these inaccuracies. That is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC (MI)

I opened an account with XXXX in XX/XX/year> and bought XXXX phones. They activated XXXX phones on XXXX account, and for some reason activated the XXXX phone to a second account. I wasn't aware and when I receieved the first bill for the XXXX it was actually higher than what it was supposed to be with XXXX because of their deal. That's when we discovered my phone wasn't on there, but they never said there was another account. They told me they waived activation fees for my trouble. But then in XXXX I received an email from Sequium collecting a {$40.00} activation charge XXXX charged me on the second account that I never knew existed. I have contacted them and Sequium multiple times with no resolution.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/16 I traded in my XXXX XXXXr to XXXX  of XXXX XXXX for a brand new XXXX  They couldn't obtrain financing and pay off my trade till XXXX. They didn't notify me and I repeatedly contacted because I was also unable to obtain a legal plate within 30 days and could n't drive the financed car.
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. (PA)

I am writing to inquire about the status of my previous letters, sent via mail and the Consumer Financial Protection Bureau ( CFPB ), regarding the reinvestigation and removal of disputed negative items from my credit report. 

To date, I have not received any resolution or response from your department concerning my request for the removal of inaccurate and misleading accounts. I have consistently brought to your attention the following accounts that, according to my understanding, should not be present on my credit report :
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. (FL)

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 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (MI)

I sent the payoff XX/XX/23 priority mail ( XXXX ) and it was received in their office XX/XX/23 at XXXX. They are claiming it wasn't received until XX/XX/23 because you have to allow them time to process. I called everyday because I knew the payoff wouldn't be enough if it wasn't posted in a timely manner. They in fact charged me and I had to make an additional months payment on one of my loans. They admitted that using the overnight mailing address does not expedite anything and they are looking into a fix. This is an unfair practice. In addition to phone calls, there are several email communications from XX/XX/23 through today XX/XX/23. 

According to the payoff schedule provide, my payoff as of XX/XX/23 should have been {$9400.00}. The amount received was {$9300.00}, short {$29.00}. They charged me another {$350.00} on XX/XX/23 to payoff my loan.
Consumer complaint received 2023-08-28
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)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX