davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-31
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)

I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts ( XXXX XXXX account Number XXXX ), ( XXXX XXXX XXXX  Account Number XXXX ), ( XXXX XXXX Account Number XXXX ), Hard inquiries ( XXXXXXXX XXXX ) , ( XXXX XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX ) are not complete and accurate .

and one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

check the attachments below.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In XX/XX/year> I sent letters to each credit bureau. I want one name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use one name, one address, one phone number. The credit bureaus after two times still refuse to correct my consumer report. These are violations according to FCRA on accurate information
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX XXXX  filing this complaint for falsely reporting misleading information. There is no XXXX XXXX involved. Please review the uploaded letters.
Consumer complaint received 2024-03-30
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. (OH)

XXXX XXXX, XXXX and Experian, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I made a payment of {$900.00} on this account on XX/XX/XXXX for payment due XXXX XXXX. 
On XX/XX/XXXX I made another payment for {$400.00} payment due XX/XX/XXXX. This payment was made by using the " Pay Now '' button on the account dashboard through the website, not externally. Because this was apparently the statement ending date ( keeping in mind my payment DUE was XXXX XXXX, and had been made ), this payment was applied to no balance due but instead backwards to the XXXX statement. 
I chatted with a customer service online who was not helpful nor were they even remotely nice. 
I called a few days later and the first person I talked to was nice but not helpful so I asked to escalate. I was escalated to an " Account Manager '' who was incredibly rude the whole call. " I'm not going to repeat myself '' - I'm sorry, I thought this was your job? 

I am simply asking that there is no late fee, and my account is no longer marked past due, and unlocked. It's really not that difficult, as anyone can see that I made this payment and an automated system misapplied it. When the due date I SEE on the website says XX/XX/XXXX, it stands to reason that when I press that pay now button after that date, I'm paying for the NEXT due date. 

If I am incorrect - A. this is incredibly misleading and is absolutely entrapment on their part. 
XXXX it's clear I did not " not pay my bill '', so inform me of the bug on your website so I know what's reality in the future, and make an adjustment for a loyal customer who consistently pays on time so as not to penalize me for a " mistake '' that really wasn't a mistake. 
XXXX train your " Account Managers '' to interact with clients with respect and humanity, as the way I was interacted with was nothing like that, and completely inappropriate.
Consumer complaint received 2024-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I received a letter back in XX/XX/2022 from Federal Student Aid stating my loan will be XXXX due to borrowers defense. I reached out to the in regards to the letter and was told it will be 30 days and i would receive a refund and the loans will be removed from my credit. Now its XXXX years later and nothing has happened, I have made over a XXXX phone calls to be told its nothing they can do and I have to deal with Mohela and Mohela knows nothing about it.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

A deposit was placed on my account for {$280.00} by XXXX XXXX ( a rental car on vacation in XXXX, XXXX ) on XX/XX/2023. When I returned the rental car on XX/XX/2023, XXXX XXXX canceled the deposit and assured the hold would fall off my bank account in 3-5 business days. Despite providing proof ( receipt with authorization code ), Chime ( XXXX XXXX XXXX ) still has not released the pending transaction back to my available balance as of XX/XX/2023. They have given me different answers at every turn, including that it would post back to my available balance within 7 days ( already past ), that rental car deposits take up to 30 days to expire ( but this one was canceled ), that they would confirm the cancelation with the rental car company and return the funds to my available balance the same day ( this did not happen ), and that they can't contact the rental car company because it is not in the US. At their request, I emailed the original deposit receipt and the deposit cancellation receipt ( with authorization codes ) three separate times. Every person I talk to gives me a different answer or just hangs up on me. I spoke with the rental car company again and they assured me that they confirmed with their bank that the deposit was canceled on XX/XX/XXXX and that there should no longer be a hold for that amount on my bank account, yet Chime refuses to release the funds back to my available balance, contact the rental car company to confirm the details, or provide any resolution.
Consumer complaint received 2024-01-05
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. (AZ)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter reaches you under favorable circumstances. I am writing to express my ongoing frustration and dissatisfaction with the unresolved issue of fraudulent items persisting on my credit file, despite my previous attempts to rectify the situation. 

As detailed in my earlier communication, I brought to your attention the presence of fraudulent entries on my credit file. Regrettably, the issue has not been adequately addressed, and the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

To recap the previous attempts made to resolve this matter : Initiated contact with your fraud department to report and request the removal of fraudulent items from my credit file. 

Submitted a formal written complaint, providing comprehensive documentation and evidence to support the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, cooperating fully in the investigation process and providing any additional information requested. 
Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing undue stress and financial hardship. This situation not only affects my confidence in the security of my personal information but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit file. Additionally, I request clear communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily withinthe specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXXXXXX  XXXX XXXX : {$400.00} XXXX XXXX   XXXX Balance : {$890.00}.
Consumer complaint received 2024-03-30
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 did an investigation on my credit report and found several items in there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 shalli ) 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.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account type : Mortgage Responsibility : Individual Date opened : XX/XX/XXXX Status : Transferred, closed. 
Status updated : XXXX XXXX This account was reported 30 days in XX/XX/XXXX but both XXXX and XXXX has removed this. This is the only account that shows on Transunion as potentially negative. Since then it has been reporting correctly. I am unsure of what to do to have it removed but it is the only negative item showing up on my credit report. 

Please advise and help. 
XXXX
Consumer complaint received 2023-10-31
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: JPMORGAN CHASE & CO. (CA)

My credit report is showing late payments to JPMCB - XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Consumer complaint received 2024-03-30
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject t
o subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (NY)

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

PNC BANK XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or PNC BANK customer service. XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 



I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (IL)

on XX/XX/2023 i had ordered an XXXX XXXX XXXX XXXX  through the klarna app. The next morning i got an email from XXXX saying that there was a problem with my order so i just cancelled it thought the XXXX  website. I guess klarna didnt get the cancellation and they charged me {$580.00} for the phone like if i had received it. I contacted them and i told them i had cancelled the order, they told me that it does look like it was cancelled and that it would go through on XX/XX/XXXX and in 5-7 business days i would get a refund. I reached out to them on XX/XX/XXXX again because i was still concerned about my money and then they told me that they didnt see that klarna received a cancellation. i was confused because i thought that they were going to give me my money back 5-7 business days and its now been almost two weeks and i still havent gotten my refund.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (AL)

I had requested a stop payment from my credit union pertaining to this merchant, while trying to reach a settlement. However, they still are able to circumvent through stop payment and withdraw funds from my account in the amount of XXXX. I have requested a copy of a contract with the terms of this loan multiple times with Spotloan and yet I have yet to receive it. They are straight up con artists and I have a buyer 's remorse.
Consumer complaint received 2024-03-30
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. (WA)

I looked at my report recently and notice an account wasnt reporting accurately. I already asked to investigate and received a letter sent back addressing someone else, the letter i received back had someone else 's name on there. That is not me, I was told that they were unable to locate a credit file in they database with the identification information i provided. I sent My Drivers License, along with my SSN, and Proof of address. Everything matched. I will attach picture of the letter i received from them, along with a screenshot of the account on my credit profile.They addressed the wrong person, or got someone else 's account on my credit profile. Please investigate.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed are inaccurately reported. Compensation of {$1000.00} is due for each such inaccuracy on my credit file.