davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with Chase Bank, the issuer of my credit card that I used to make a payment to a merchant. The said payment transaction was made on XX/XX/2023. I filed the dispute on XX/XX/2023. I promptly uploaded all supporting documents on Chase 's website demonstrating the assurances made by the merchant and their failure in delivering services at the assured quality. 

The Chase representative reviewing the claim called me on the phone in XXXX. It seemed like they were quite keen on summarily closing the case and kept asking for documentary evidence without providing any clarity on what was lacking in the documents that I already provided to them. Also, after spending a good 10 mins on the phone, I mentioned to the agent that I need to continue the conversation at a different time because they called me while I was in another meeting. The agent did not seem too interested in discussing the matter and instead suggested that they will close the dispute stating that the charge is valid. They suggested that I should reopen the dispute if I so wish. Now when I try to open the dispute again, Chase 's website asks me to call their customer support. This seems like a big waste of time because I have already gone through the entire process without getting any adequate support. 

The Chase credit card is not cheap. They charge a substantial annual fee for the credit card. So it is quite disappointing that when it comes to providing such basic service as protecting credit card customers against suspicious merchants, Chase is failing to do so.
Consumer complaint received 2023-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was solicited my mail with a Pre-Approved credit card offer from Capital one. The offer was for 0 percent APR for on purchases until XX/XX/XXXX. The offer included a reservation number and access code. Capital begin charging interest on my account in XX/XX/XXXX. When I inquired about the charges, they said my 0 percent interest promotion ended in XXXX of XXXX. 
I Explained that the XXXX date was different from the promotion I was approved for. However, the rep insisted that I was only approved for a 9 month 0 % APR and 29 % APR thereafter. This is represents deceptive marketing - bait and switch. Nothing alerted me when I received the online approval, that I had only been approved for 9 month 0 % APR.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NY)

I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.
Consumer complaint received 2023-04-26
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. (NY)

I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.
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. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

My purse including my personal information was stolen XXXX, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : XXXX XXXX XXXX XXXX XXXX  ( ACCT # XXXX ), with a balance of {$3600.00} XXXX ( ACCT # XXXX ) with a balance of {$1100.00}. XXXX. XXXX XXXX ( ACCT # XXXX ), this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
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. (CA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union is blocking my legal access to my credit report. This is causing serious issues with my life. Spoke with Trans Union again on XX/XX/23 explained the situation and they removed a freeze off my account an guaranteed that I should be able to access my account. Again Trans Union lied. If this is not resolved immediately I will seek counsel and sue Trans Union
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clark County Collection Service (NV)

According to XXXX " opt out '' As a federally consumer under the FCRA I opt out of any verbally, nonverbal, written, nonwritten communication. 

As of today date XX/XX/2024 Any additional furnishing of this account is a violation of my rights and subject to XXXX per violation per the FCRA
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-26
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. (FL)

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 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 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 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

my personal address and employment on my credit reports are incorrect and must be changed. it reflects wrong information PLEASE REMOVE ALL OTHER ADDRESS OFF MY REPORT AS THEY ARE NOT DELIVERABLE TO ME BY US POSTAL OFFICE ANT THEY ARE NOT REPORTABLE PER FRCA SINCE THEY ARE INACCURATE.
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE SEE ATTACHED : NOW RESOLVED BY DATA FURNISHER A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. 

Additionally, a cease and desist any and all activities related to the use and disclosure of my consumer information, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. As a federally protected consumer, I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given XXXX XXXX under the provisions of 15 U.S.C. 6802.
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: EQUIFAX, INC. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my frustration as an inquiry, previously promised for removal, still remains on my credit report. This misinformation severely impacts my financial standing. 
I request an immediate investigation and removal of the inquiry as originally assured.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I am on the XXXX plan with a {$0.00} payment ( I have been on this plan since the XXXX  % interest ended from the pandemic ), but my balance continues to grow. The interest is supposed to be subsidized by the government. As of XX/XX/XXXX my balance was XXXX ( it remained at this amount due to the XXXX  % covid interest rate ). Since the XXXX % interest rate ended, it has grown to XXXX, which it shouldn't because I'm on the XXXX plan. It should be XXXX and should remain at that amount as long as I continue to make payments and remain on the XXXX plan. I have contacted the servicer several times since XX/XX/XXXX, made complaints with XXXX, and have not received an adequate response or resolution. It is very concerning to watch my balance grow when this is the very thing the XXXX plan was created to stop.
Consumer complaint received 2023-09-26
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)

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 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 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 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NC)

I received a communication from Venmo that I was approved for a credit card on XX/XX/XXXX, but I never applied for the card. I then received an email that I was being shipped a Venmo credit card from Synchrony bank ( XX/XX/XXXX ). My Venmo account does not have a shipping/billing address associated with it, but I do have other cards through Synchrony. I believe that Venmo/Synchrony opened the account against my will and used my shipping information associated with my other accounts in order to send me a card to meet their quota ( the hallmarks of my case are very similar to that of the XXXX XXXX offense several years ago ). I called and was able to close the account so that the card can not be used when it arrives, but I do believe that the strike against my credit score was done without my consent.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (TX)

XX/XX/22. I called XXXX and spoke with a representative to make them aware that I have never had an account with them and please provide accurate address, social, date of birth. The rep couldn't provide me with any accurate information other than the last 4 of my social. My address was not correct nor was my date of birth. I then ask them to remove it from my credit and she stated the couldn't because I owed them and some had cable in my name.
Consumer complaint received 2023-09-26
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 don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX