davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MO)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
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: Affirm Holdings, Inc (CA)

In accordance with the fair credit reporting act, this creditor AFFIRM INC has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account with my written instructions. On their 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 2023-12-27
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding several credit inquiries on my report that I do not recognize and previously requested to be removed. Despite my efforts, the credit bureaus have not taken action to address these inquiries. Along with this letter, I am attaching an identity theft report to support my claim. I firmly request the removal of these inaccurate inquiries from my credit report as they are a result of identity theft and do not reflect my financial activities. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (IL)

I am not new to credit cards or 0 % interest timeframes. I know that, in the last few years, laws have changed to avoid cheating customers. My accounts have clearly listed when my 0 % would expire, warning me when it would be the next statement. 

Synchrony did not do that on my home account. I knew the 0 % was expiring on XX/XX/XXXX. There was {$100.00} left on my XXXX statement. I paid {$50.00} and planned on paying the other {$50.00} in XXXX statement. 

Well, they billed me ON XX/XX/XXXX, charging {$120.00} ( 12 months ) of interest before I could even see and pay it. It was first thing in the morning XX/XX/30! 

Ive tried talking to them multiple times and they say thats how they do it. I dont believe this is a fair legal practice. No other credit card had done anything like this!
Consumer complaint received 2023-12-26
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. (NM)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

A series of 8 fraudulent atm and debit card transactions occurred on my USAA checking account between XX/XX/XXXX thru XXXX, 2023 totaling {$1700.00}. I received no fraud alert from my bank due to these fraudulent transactions and did not become aware of the charges until reviewing my checking account activity on XX/XX/2023. When I became aware of the fraudulent charges, I immediately made a fraudulent charge claim. The charges were initially credited back to my account on XX/XX/2023, while they were investigated by USAA. After investigation, USAA decided the charges were not fraudulent and withdrew the credited funds from my account on XXXX XXXX. When I enquired about the investigation and how they came to their conclusion I was told I would need to file a police report, which I did and provided to USAA. Another investigation was done with the same outcome. I have requested reasoning as to why they have come to this conclusion and was eventually a week later provided with a list of the fraudulent transactions with no reasoning. I have contacted their fraud department a number of times now trying to get any actual reasoning to their conclusion and have not been given any reasoning. This should be an open and shut case, the checking account in question is a secondary account and primarily only used for online bill paying. My transaction history clearly shows the debit card in question was only used a handful of times a year. I suspect my card was cloned with a skimming device on XXXX XXXX, 2023, when used for a parking meter as that was the last time my debit card was used prior to the fraudulent charges. At no point during their initial " investigation '' or reinvestigation did USAA contact me to get an account of the occurrence or ask for any information I had. Additionally, the results of their investigation are not even internally consistent as they did determine one of the 8 charges, the smallest one, that occurred at the same relative time and place as several of the other charges to be fraudulent.
Consumer complaint received 2023-09-29
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
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. (NC)

Inquires i did not authorize listed below 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 2023-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Hi, A wire was send to XXXX ( XXXX ) through Chase but using XXXX XXXX as intermediary bank. 

It was a wire of XXXX send on XX/XX/XXXX. Because of wrong information on destination XXXX XXXX returned the money to Chase ( See letter from XXXX XXXX received after complain to them ) on XX/XX/XXXX. 

As of today Chase has not returned those fund to us, and communicating with their wire department has been a nightmare ( hours waiting on the phone, them not beeing able to communicate with XXXX XXXX and they really do not seem to worry about our money .... 

This is the last answer from XXXX XXXX : ============================== We found that on XX/XX/2023 XXXX XXXX returned the wire in question to Chase bank. The wire was initially returned to XXXX XXXX with an incorrect case number attached. We found that the incorrect case number was previously provided to you. 

The correct case number is XXXX. Other numbers that might help Chase locate the wire are : XXXX XXXX XXXX and XXXX number of XXXX. A {$50.00} fee was taken from the wire before it was returned, {$6300.00} was returned to Chase ================================ So we would like Chase to return that money to our account .... It's been too long and we have been very patient
Consumer complaint received 2024-04-23
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. (TX)

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 2024-04-23
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. (CA)

This company XXXX is reporting 2 different places on my credit report iam demanding the removal of this account. As you look you will see its 2 totally different address this is a conflict here. By law you are required to remove this. 

15 USC 1681 refers to a specific section of the United States Code, which deals with consumer credit reporting. It's part of the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (MN)

Hello! I am pleased that the XXXX and XXXX have removed all the specified unauthorized inquiries in my credit report! And in regards to the remaining inquiries that the Equifax have not yet removed. I am, once more, kindly asking the bureau to please remove these remaining inquiries that I eagerly want to be removed from my Equifax Credit Report : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to  XXXX  and Equifax . This personal data included a government issued ID, bank statement with current addresses. XX/XX/XXXX - I received a letter from  XXXX  and Equifax stating that I need to send the same information that was sent in  XX/XX/XXXX  in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply. XX/XX/XXXX - I resubmitted the same information to   XXXX   and Equifax and received the same response in via a letter in  XX/XX/XXXX .
This has been an ongoing battle to with these  XXXX  credit bureaus to accurately update my personal information and no such luck.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically
Consumer complaint received 2023-11-09
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. (OK)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-12-28
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: National Credit Adjusters, LLC (TX)

NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding the account XXXX. On XX/XX/2023 I received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from XXXX and XXXX immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.
Consumer complaint received 2023-08-08
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)

In accordance with the Fair Credt Reporting Act Account Name : Capital One Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX/XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Consumer complaint received 2022-11-16
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. (NJ)

There is a credit card in my name under XXXX XXXX under account # XXXX. Upon reviewing my credit report last year I seen this account on my credit report and I contacted the company and they advised it was paid and charged off. I SPECIFALLY asked would this be deleted being it was paid off and I was advised that it would be a pay to delete however, I today was told today ( ( XX/XX/2022 ) that it was incorrect information.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services ()

XX/XX/XXXX - My mother called EdFinancial but the customer service line hung up on her multiple times after waiting on hold for hours. No response. 

XX/XX/XXXX - I uploaded a letter from my graduate school proving my enrollment for the XX/XX/XXXX school year. I also had my mother submit the same letter so that we both could have the loans deferred. Used the online form to submit the paperwork. No response. 

XX/XX/XXXX ( before payment started ) - I sent multiple emails following up with the team to have the matter settled. No response. 

XX/XX/XXXX - Once again I reuploaded my proof of enrollment. No response. No confirmation of receipt. XXXX should have informed my student loan provider that I am in grad school and therefore the loan provider should already know that I am in school ; however, I keep getting messages that I am late on my payments.
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. (MD)

TO WHOM IT MAY CONCERN I recently received a copy of my XXXX and Transunion credit report, and I noticed some late payments posted on my credit report. 

Department of ED/XXXX- Account # - XXXX Date of Late Payment XX/XX/2019 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 .

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX XXXX copy of ID and bank statement showing proof of address.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-12-28
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: GOLDMAN SACHS BANK USA (CA)

Starting from XXXX this year, I found that my Apple card was frequently swiped. At that time, I had moved to XXXX, and I lived in XXXX XXXX before. 

And when I went back to XXXX XXXX to watch XXXX XXXX XXXX concert in XXXX, my phone was stolen. After that, my Apple Pay was also frequently stolen, almost all of them are fraud from the same store.but I changed my password and never gave anyone the card number I told anyone. 

I reported the fraud and disputed quickly. I asked for my credit to be repaid and no longer needed let me pay.