davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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 looked at my report on XX/XX/XXXX and I noticed some incomplete and not accurate. XXXX reported that the Bankruptcy XXXX XXXXXXXX on my credit report was accurate but that was a lie the Bankruptcy Court name is inaccurate they have it listed as U.S Bankruptcy Court without the city and state so this will be inaccurate information. I sent a letter to XXXX on XX/XX/XXXX, and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking Federal law. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) it states 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 the 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.
Consumer complaint received 2023-12-27
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. (TX)

I hereby submit this formal complaint against TRANSUNION, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that TRANSUNION would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.
Consumer complaint received 2023-12-27
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-05-18
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IA)

Hello, I submitted a Chase credit card application on XX/XX/24 for the IHG One Rewards Premier Credit Card. The same day I received an email from Chase stating, " Dear XXXX XXXX XXXX : Thank you for your application. We are sorry, but we could not confirm the information you submitted. We need you to send more information. If we do not hear from you in 30 days, we will stop reviewing your application. Here 's what we need to continue reviewing your application ( 1 ) Proof of current physical address ( e.g. utility bill, government issued ID ) and ( 2 ) unverified or missing date of birth. Please provide proof of date of birth. Within the email, Chase lists acceptable documents for both physical address and date of birth that includes US-issued driver 's license. 
I uploaded my driver 's license on XX/XX/24. I then received a letter dated XX/XX/24 that states, " Update : We are unable to process your application. Dear XXXX XXXX XXXX : We carefully reviewed the documents you sent us about the application listed above. Unfortunately, they did not provide the information required and we are unable to process your application. Thank you for considering Chase. Sincerely, Lending Services. '' I believe Chase 's actions directly contradicts Regulation B Section 1002.2 ( f ) that states an, " Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. '' Furthermore, " A COMPLETED application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including... credit reports... ). The creditor shall exercise reasonable diligence in obtaining such information. '' In addition, the official interpretations 1002.2 ( f ) ( 6 ) states, " The regulation defines a completed application in terms that give a creditor the latitude to establish its own information requirements. NEVERTHELESS, the creditor must act with reasonable diligence to collect information needed to complete the application. For example, the credit should request information from third parties, such as a credit report, promptly after receiving the application. '' Chase bank did not comply with Regulation B because ( 1 ) my application listed all the information the bank needed to consider the application complete ( I listed my DOB and address ), ( 2 ) the bank has the latitude to collect information it deems necessary to consider the application completed which I provided by uploading my driver 's license, and ( 3 ) the bank should have acted with reasonable diligence to collect my information through pulling my credit report which would readily display my address and DOB.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I noticed some strange stuff on my credit report when I checked it on XX/XX/XXXX. There are accounts I didn't authorize, and I'm starting to worry about identity theft. Just to clarify, I was in XXXX  from XXXX to XXXX, so I definitely didn't open any accounts with XXXX BANK during that period. I've also attached the FTC and XXXX  reports for your reference.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IA)

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-11
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)

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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, 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 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 2024-01-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has repeatedly called my business phone to collect a debt from my ex wife. I told them to stop that Im not the person responsible for the debt you are collecting. They made some stupid comment about it is going to affect my credit negatively. I explained that they are never to call this number or any of my numbers again as the person you are calling for is not me and these constant phone calls are harassment. I told them to remove my number from their list which they said they would and I have now received 4 voicemails since in my business line. They are harassing me to collect someone elses debt
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act. All account listed on our consumer report, and mentioned below have violated our federally protected consumer rights to privacy and confidentiality under 15 USC 1681 And have caused injury Violators, XXXX, XXXX, Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account numbers not mentioned here for privacy, all on report 15 USC 1681 section 602A States We have a right to privacy 15 USC 1681 SECTION 602A section 2 It also states that a consumer reporting agency can not furnish a account without our written instructions. 15 USC 1681 c ( 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 conviction of crimes. We request written authorization by us providing you authorization to use and share our information, if not you must remove. This is a XXXX act violation and identity theft. We hope you will operate with honor, full transparency and stop causing injury to us. We reserved all of our rights without prejudice
Consumer complaint received 2024-01-29
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. (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-12-27
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-02-08
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: Duvera Billing Services, LLC (FL)

I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.
Consumer complaint received 2023-08-29
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)

Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : 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 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC (WI)

My partner and I bought a car through Carvana LLC on XX/XX/XXXX we paid {$17000.00}. Upon receiving the vehicle, after the test drive, and after the vehicle was delivered, we began to notice some issues. When purchasing the car through Carvana, they state that 150 point inspection was completed, but missed the engine sensor indicator as well as 2 fog lights out, and low oil. We called Carvana to voice our concerns, and scheduled an appointment with a mechanic. They found that a leak detection pump needed to be replaced, the axel shaft had rusted and needed to be replaced, brakes were grinding due to rust and that there was a loud pop when turning the wheel to the left ( torn bushing mounts and control arm bushings. All of which should have been found in the initial inspection. 20 days later all oil drained out of vehicle due to a oil filter housing gasket, another {$800.00} visit to the mechanic.

ADDITIONALLY : There is a leak in the vehicle that allows water to enter the cabin during rain or snow melt, filling the passenger side of the vehicle with water. 
6 months after all of these issues on XX/XX/XXXXXXXX  the vehicle stopped running, it is currently sitting at the mechanic, and in need of a new engine totalling another {$11000.00} worth of work. I called Carvana to start a delayed backout, speaking to XXXX of resolutions. We went an entire month without communication. I have made over 20 calls to Resolutions without a single returned call. There was obvious neglect in the initial inspection performed by Carvana LLC. With a rough estimate of $ XXXX worth of total work to make this vehicle safe to drive. Not to mention the amount of distress that this vehicle has caused even before the engine failure. 
XXXX I spoke XXXX in resolutions extensively about our situation. He told that after everything I have described there would be a high likelihood of our case being approved. 
XXXX Denied my claim without speaking to any parties involved. Gaslighting me the whole time. 

I have contacted XXXX ( services the loan ), and they said there was nothing they would do to lower payments/interest rate.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I was scammed/Frauded by someone acting as Wells fargo 's agent on XXXX XXXX XXXX pm I received a text from Wells fargo bank fraud department asking me if I had XXXX {$2500.00} to someone. I answered no. the next text said that " A representative will be contacting you shortly ''. two minutes later someone claiming to be wells fargo Fraud department agent called and said money had been taken out from the bank and I needed to XXXX  the {$2500.00} to a XXXX agent and they will return the money to my account shortly. I questioned him if he was a wells fargo representative and said yes. I checked the number he was calling from and I confirmed that the number was the official customer service number in the back of my XXXX  card. I filed a claim XXXX minutes after he disconnected the call on XXXX XXXX received a response from Wells fargo denying my claim saying they can not money sent through XXXX. this letter was dated XXXX and I received it on XXXX XXXX. 
I have accounts at XXXX and XXXX XXXX XXXXXXXX and they would absolutory handle such a claim.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the Equifax data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the Equifax data breach, and I have taken steps to alert XXXX about this situation. Unfortunately, my attempts to rectify the matter with XXXX have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the Equifax data breach. Please follow up and facilitate the removal of these items from my credit reports with either XXXX or XXXX, as they may be reporting accounts that were included in the Equifax credit report. 

I want to emphasize that my information was sold and bought illegally due to the Equifax data breach, as confirmed by Equifax themselves. I am attaching proof of Equifax 's acknowledgment of my victimization in this data breach. Despite this admission, Equifax has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the Equifax credit reports for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.