davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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. (FL)

My business is in the process of buying a property and need to get this rectified asap because its affecting my personal credit. We are a very successful business so I can pay it worst case, but Im prideful to pay for someone elses fraudulent transactions. 

I had fraudulent charges on my business card noticed when we were doing our P/L statement. It is clear as day these charges were outside of our typical scope of purchase. The business cards were very rarely used for anything outside of purchases that were made online or via internet application. As soon as these charges were recognized it was immediately called into the Chase bank and they were reversed. However, on the original call a few of the smaller charges were missed. This was simply focusing on amending the initial discrepancies noticed ( of course that being the larger transactions ). The mindset was as long as the bigger issues were taken care of we were willing to take the loss on the smaller ones, not realizing this would have cause any issues. Chase Bank then caught this randomly and rebilled everything because we didnt claim the smaller transactions initially. They requested we do a police report, so we did. 

We reached out to Chase bank ( spent a total of probably 48 hours on the phone with the bank at this point ) and they opened an investigation. We contacted all the merchants directly and none of them worked with us. Apparently one of the merchants ( a strip club ) the fraud took place told the bank that they ID before letting people use the card. We contacted the merchant and they provided no copy of an ID or anything. They clearly lied to the bank to keep the money. 

Now Chase bank is refusing to refund these charges ( totaling almost $ XXXX ). The banks response after submitting a requested breakdown of every transaction and police report was that we needed additional documentation. I asked what documentation could I could I possibly come up with as I have submitted every document possible and done everything possible. 

I had an XXXX credit score before this and is now hurting my credit significantly
Consumer complaint received 2023-12-23
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)

Trans Union, XXXX and XXXX are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX. This account was disputed by me, the referenced consumer, directly with XXXXXXXX XXXX XXXX XXXX, and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XX/XX/XXXX  and never validated. Proof of mailing will be attached to this complaint.
Consumer complaint received 2023-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has violated my rights by adding a late payment to my report 15 U.S.C. 1681 section 602 says " I have the right to Privacy 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit report, I noticed there were late payments still showing on my credit report. These are old 30 day lates. I had contacted the companies at the time this occurred and they informed me that due to my excellent relationship with them, that the late payment would be taken off of my account. This did not occur as I now see that these lates are still showing on my credit report. I reached out to the companies again, but have had no response. I've attached a copy of the letters that were sent to the agencies but have now addressed them to each of the credit bureaus. 

I also am disputing hard inquiries across all three bureaus. The inquiries I'm disputing are during the time I was purchasing a vehicle, but there are several other institutions listed on my report that did not secure my loan. I need all of those removed please. I did call each of the bureaus to get those removed but they did not remove them.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

on XX/XX/2023 I mailed citi bank a check to pay my credit card in full. the reason i mailed the check is that the line at there bank was to long for me to wait in and they do not have a night drop box. Please note my payment due date was the XXXX which was a sunday. 

One would think that Citi bank and all major credit card companies could automatically adjust there payment due dates on statements to the next business day when a due date falls on a Sunday or that they could check there post office box on the weekend. however doing so would cut down on there fee income. 

furthermore i suspect they will now try and charge me interest on the balance for paying on the first business day after the due date. I also suspect that there charging this {$41.00} fee is a violation on US postal regulations, note they mail me my statement VIA the USPS. 

You need to get this fixed as Citi bank and the rest of the XXXX banks are charging crazy fee 's that there systems could prevent by complying with USPS regulations which state they must us the post mark on the envelope.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (IN)

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and experian to no avail. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX. Is not my account! 

XXXX XXXX {$1000.00} Is not my account! 

XXXX XXXX Is not my account! 

XXXX XXXX Acnt # XXXX {$9200.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX # XXXX {$820.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX  XXXX Acnt # XXXX {$1700.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX  XXXX Acnt # XXXX {$3800.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$2900.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$570.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt # XXXX. {$360.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$770.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX / XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : last payment :
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (WA)

I competed the Identity Theft packet from Regional Finance and sent it back to the business with a notary from chase bank attached with a police report and copy drivers license via certified mail. 
XX/XX/2023 through my recent dispute they have confirmed they have received the documents and agreed to delete the fraudulent account. I would like to be remove asap as it is inaccurate.
Consumer complaint received 2023-10-05
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$3300.00} US DEPT ED XXXX {$7600.00} US DEPT ED XXXX {$5400.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1300.00} XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-09-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OK)

After multiple calls over several months where no messages were left, I finally answered a call from XXXX. A man with a heavy accent said he was a collection agent from company called ERC. He said I owed over {$700.00} to XXXX for unpaid balances in 2019. Wanted me to pay it immediately over the phone. At some point he mentioned an email address he has on file for me- which was not right. So I told him he was calling the wrong person. Then he proceeded to recite the last four digits of my SSN and my home address - which were not wrong! I ended the call quickly at that point. 

I checked my credit reports and found that ERC had filed on two of the three agencies. I have disputed the claim and locked my credit. I called XXXX to ensure my husband 's account is in good-standing- it is! And I also confirmed that my name and credit were not on that account- it's not!
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have wrote letter on two different occasions, XX/XX/XXXX  and XX/XX/XXXX  informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance to me.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have wrote letter on two different occasions, XX/XX/2023 and XX/XX/2023 informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/2023, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance to me.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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. (NY)

I am reaching out again regarding the ongoing nightmare I face due to XXXX XXXX and credit reporting agencies mishandling verified identity theft on my account. Despite providing substantial evidence like an official police report, FTC Identity Theft Report, notarized affidavit, and identification documents, XXXX and the bureaus continue to falsely attribute fraudulent charges to me. 

XXXX refuses to conduct a full investigation, instead making empty claims of " verification '' without providing any concrete evidence like IP addresses, geolocation records, or transaction metadata to validate over {$300.00} in unauthorized charges. The credit bureaus have violates my rights under FCRA Section 605A by repeatedly allowing this disputed, inaccurate information back onto my credit reports even after initially blocking the account per federal law. 

I have spent countless stressful hours trying to resolve this legitimate fraud only to be dismissed, given the run around, and left to deal with the consequences like a plummeting credit score. The financial and emotional distress caused by XXXX and the credit bureaus ' lack of urgency and accountability has severely impacted my life. 

Despite multiple attempts to directly address the issue in good faith, XXXX continues to ignore evidence and suppress my fraud claims. The credit bureaus continue reinstating unverified, disputed information. These systemic failures warrant intervention and oversight from the CFPB. 

I urge the Bureau to exercise its enforcement authority to facilitate proper investigation and resolution of my identity theft case, ensure XXXX substantiates any claims with concrete evidence, compel the credit bureaus follow FCRA procedure, and secure reasonable compensation for provable damages. The mishandling of this matter extends beyond my personal frustrationit represents the urgent need to hold financial institutions and reporting agencies accountable for their roles in perpetuating harm against consumers. I await your guidance on next steps.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXX XXXX XXXXXXXX ACCOUNT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (TX)

We went to XXXX to get a better deal on a XXXX XXXX. When we got to the dealer after driving XXXX hours the car did not have options that we were promised. We were then shown a XXXX XXXX that did have the options but cost the same. They tried to sell us the more expensive XXXX but we said no. During the financning process the finance XXXX tried to bait and switch us and hide the numbers. I had to request he scroll back up to terms and conditions and he was reluctant. The rate and payment were not what the sales man had just stated XXXX minutes prior. When I got upset with the finance person he apologized and said he would fix it. He came back and put us back on what was told to us. We left with a XXXX XXXX with a XXXX payment and XXXX miles a year for XXXX  months. We just received our payment coupon after the first due date and now the miles per year are stated at XXXX. XXXX XXXX has now been caught twice trying to get away with something. They need to be stopped as I am sure they are doing this to more people.
Consumer complaint received 2024-04-21
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. (SC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2017-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

In reviewing my annual credit report, I noticed that there was a 30 day late reporting on my credit report from  Home Depot,  even though automatic payments had been setup by them and paid satisfactorily for years.     For several years now, each month on or around the  XXXX , automatic payments of {$150.00} were debited from my bank account to pay  Home Depot . These automatic payments were setup by a  Home  Depot Representative years ago, and would continue until my account was paid in full. I was absolutely shocked when I realized tha t Home Depot h ad reported negatively on my credit report and had not attempted to contact me regarding the remaining balance of {$11.00}.     I contac ted Home Depot to  inquire and to attempt to resolve the reporting discrepancy and I was told that the final payment for {$11.00} had not been debited from my account because their system was only setup to take the monthly payment amount and that since my balance was only {$11.00}, their system would not make the payment. When I asked why they did n't contact me or send a letter,  (  which they 're required to do before reporting negatively ) the representative simply stated that a generic letter was sent to me about my account being paid off, but nothing to warn me of the potential late payment or that a negative report would occur. In addition, I was told that there was no attempt to contact me and that the company decided to simply charge off the remaining balance, after years of satisfactory, on-time payments.     I made several different calls t o Home Depot,  I was transferred many times and my dispute has been escalated to various different managers in different positions and neither has accepted their error or agreed to correct it.  XXXX  at  XXXX  was the las t manager t hat I spoke to regarding this reporting error and she is not returning my calls. I spoke with her initially months ago, she then called to gather additional information from me and now I have left  two  messages for her, with no response.