davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Credit card or prepaid 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. (NY)

I am having trouble dispute payment with Chase bank, they refuse to dispute invalid charges even after I submit enough proof. They keep ignoring the evidence I provided and can not give me any reasons why they only trust words from merchants. I strongly doubt their dispute process. 

Date : XX/XX/2018 amounts : {$3200.00} I booked 2 tickets from XXXX   XXXX XXXX to XXXX XXXX on XX/XX/2018 on XXXX. The booking page shows those tickets can be canceled for free within 24 hours. I am using my chase sapphire preferred credit card. 

I canceled those ticket within 24 hours on XXXX because I found better tickets from XXXX XXXX. But later, I found the charge is still on my card. I contacted XXXX, they are not able to resolve it and they suggest me to dispute those charges. 

I submitted dispute requests to JP Morgen chase bank XX/XX/2018. They contacted me later state XXXX sent them proof those tickets are non-refundable. I send the confirmation page when I book those tickets, which clearly state those tickets can be canceled for free in 24 hours in bold and green font at top of the page. 

Chase replied that there are small lines at the bottom states those tickets are not refundable. Then I contacted XXXX and XXXX confirmed that means I can cancel those ticket within 24 hours and after 24 hours non-refundable policy applies. I sent those  communication histories to chase. I also sent them the rule published by Department of Transportation which requires agent and airlines issue tickets that can be canceled within 24 hours. 

After I provided all those solid proof, XXXX XXXX from chase card service called me and still refuse to admit those tickets are cancelable in 24 hours. I asked those pieces of evidence I send does not change their mind they can not give me an answer. I also asked them what other info they need to prove my point. They can not answer. 

This whole process I went through is a huge waste of my time. They just want to use their excuse to stop the dispute regardless what I have provided. If that's their dispute process, I don't see any reason it should be their since they simply trust the merchant and ignore what customer states.
Consumer complaint received 2024-07-17
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: Self Financial Inc. (GA)

I am writing to formally lodge a complaint against SELF Lender for their unauthorized sharing of my nonpublic personal information, in violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ).
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

I have requested that the credit reporting agency correct my address and I was told I need to contact the credit company. I have contacted them and they have done that, but I believe it's the responsibility of the credit reporting agency to have correct up to date personal information on my credit profile and remove things that don't belong to me. So far they have failed to do so.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (MD)

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

XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A. State 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 CONSENT.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-12-14
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. (NC)

I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (NY)

My rights have been violated numerous of times. 

15 USC 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion 's denial of my valid ID-Theft complaint is a violation of the law, and I demand immediate correction. I am not in error ; as the affected individual, I have the right to raise this complaint for the listed accounts, and TransUnion 's non-compliance jeopardizes my financial well-being. Take swift action to address this issue, or I will pursue legal action against TransUnion. Immediate attention is expected to rectify this situation and appropriately handle my complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Rocket Mortgage, LLC (GA)

I approaced Quicken Loans in XXXX for a mortgage refinance. They were offering a " Match or Beat Offer '' where if they can't match or beat the offer they were to send a {$250.00} gift card. I decided to pursue the refinance with a different company because of a better rate and then later approached Quicken Loans to obtain the gift card on XX/XX/XXXX. At that time they asked me to send all documentation which I did and they responded stating that the gift card should be issued to me and that I should expect in 4-6 weeks that takes us into early XXXX. I received the gift card sometime in XXXX. I did not try to use it until XX/XX/XXXX then again several times in this year. All my transactions were rejected. I called the customer service number on the back of the card but they could not find my card. Then I decided to call Quicken Loans and they asked me to check the expiration on the card. The expiration date was set to XX/XX/XXXX and this was a card that was issued in XX/XX/XXXX. They stated on the call and in emails that it is wierd for a gift card to expire in 3-4 months from the issue date and agreed to look into the matter. But all my attempts at resolving the dispute amicably ended in trash. In my latest email conversation they stated that they changed to an yearly expiration on their gift cards after XX/XX/XXXX. But even with this story, since I received my card in XXXX, it should have had the right expiration of 1 year instead of 3-4 months. Please help me resolve this incident.
Consumer complaint received 2024-03-26
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. (MI)

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions inc XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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: BARCLAYS BANK DELAWARE (FL)

I had fraudulent charges for an amount of {$37.00} in XXXX of 2023 on my Barclay 's credit card I have been trying to have them removed only to get a run around from the company with them now adding late fees for that amount
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

I attended the XXXX XXXX  and XXXXXXXX XXXX in asking navient to send me a application to discharge my student loans based Off the XXXX XXXX XXXXXXXX case for discharge of these schools
Consumer complaint received 2024-04-16
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. (IL)

Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These inquiries have adversely affected my credit score and financial standing.

Below are the details of the unauthorized hard inquiries : 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 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus Transunion, XXXX, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing. 

I have carefully reviewed my credit report from Transunion, XXXX, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX Duplicate charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items. 

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected. 

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to transunion, XXXX, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-14
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to challenge the presence of this bankruptcy in my credit report. The dates of filing and reporting, as well as the closing dates, do not match. This is particularly troubling as I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Identity theft, unknown person took a car loan/loan for {$20000.00} under my given title XXXX XXXX XXXX Here are the details below : Acc type : Revolving Condition : Open Responsibility : Authorized user Payment status : current Creditor info Bank of America Account age 8months Opened on XX/XX/year>
Consumer complaint received 2023-10-23
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: TRUIST FINANCIAL CORPORATION (IL)

I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as XXXX XXXX.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. XXXX for XXXX. XXXX  XXXX for XXXX. Jpmcb for XXXX. And a car loan for XXXX. I have no clue about these accounts
Consumer complaint received 2023-11-09
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. 

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 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.