davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (FL)

I'm trying to contact Ally Financial, because I received an adverse information by Ally Financial in my account credit report that is a fraudulent information, it's kind of defamation and damaging my integrity of my family. 

From XXXX I had a XXXX, and this is a XXXX. I DON'T HAD ANY PROPERTY THAT I AM KNOWN, he had XXXX XXXX. 

Please, I am encouraging you in good faith to send all the information to review, since I don't have any. 

I will appreciate your input to avoid more damage
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capitol one keeps doing hard inquiries XXXX after the other there are so many thats its dropped my credit XXXX points in a week they wont stop Ive asked them to Ive told them I have not applied for a capitol one card ever. In my life yet they continue every single day doing hard inquiries on my credit sometimes XXXX or XXXX a day its XXXX and they wont stop
Consumer complaint received 2023-07-10
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. (PA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2024-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like XXXX XXXX, Capital one auto finance, and many more.
Consumer complaint received 2023-12-12
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: ID Analytics, Inc. (NV)

Per FCRA, as a federally protected consumer, I am now opting out of any or all authorization that I the consumer may have given you written, non-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

" ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2024-02-27
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 (NY)

I got into a fraud transaction with my apple credit card. I disputed the charges they were about over XXXX dollars in fraud. But apple claims that I did make those transactions. And now they wont reopen the dispute.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed by people impersonating ICE and police and I ended up sending XXXX cashier 's check of {$140000.00} to the scammer. I filed a claim with my bank, XXXX XXXX XXXX before the cashier 's checks were deposited on XX/XX/2023. Later that day, the checks were deposited. XXXX checks total of {$100000.00} was deposited to Chase. Of those XXXX checks, {$53000.00} was deposited to XXXX XXXX XXXX XXXX, {$49000.00} was deposited to XXXX XXXX XXXX XXXX. On XX/XX/2023 morning, I went to the Chase branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX to inform them about the scam. They informed me the funds were frozen. On XX/XX/2023 XXXX, I received Chase check hold department XXXX 's call about the {$53000.00} made to XXXX XXXX XXXX XXXX XXXX I let them know it was a fraud and they told me they would hold the funds and not release it. On XX/XX/2023 XXXX PM XXXX, I received Chase check hold department XXXX 's call about the {$49000.00} made to XXXX XXXX XXXX XXXX, I told them it was a scam and they told me they would hold the funds and not release it. Up till then, both {$53000.00} and {$49000.00} transactions were frozen and was not released to the scammer. 

I followed up with Chase 's complaint escalation and was told the funds are hold and XXXX  XXXX XXXX would have to request to return the funds. But only {$51000.00} was returned to me, the {$49000.00} wasn't returned. Since Chase are still holding the {$49000.00} from the XXXX XXXX XXXX XXXX account, I'm asking Chase to return the funds back to XXXX  XXXX XXXX.
Consumer complaint received 2023-10-26
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sunbit, Inc. (GA)

Subject : Formal Notice of Adverse Action To : XXXX XXXX XXXX : XXXX XXXX I am writing to formally express my dissatisfaction and disappointment with the recent decision regarding my credit request. Pursuant to my rights under 15 USC 1691 ( a ) ( 3 ), I exercised my right to credit, only to encounter what appears to be discriminatory practices within your system. 

I want to emphasize my concern regarding the use of a credit report from XXXX without my explicit consent. According to federal law, credit is a right under 15 USC 1602 ( f ), not a privilege. However, Sunbits representatives conveyed a denial of my request for an increase in credit as if they were extending me a favor rather than acknowledging my entitlement to credit. 

The denial, especially in the context of a medical emergency, is profoundly impactful. I was preapproved for a {$300.00} credit transaction, but this amount falls significantly short of the medical assistance required for my dental emergency. This discrimination jeopardizes my livelihood and adds undue distress as I am responsible for caring for a newborn. 

During my interactions with two Sunbit representatives, the language used made me feel oppressed and worthless. Their discussions focused on policy and included what appeared to be fabricated stories about their inability to assist in similar situations. I believe these conversations, recorded by Sunbit, will serve as valuable reference points. 

If an increase in credit is not granted, this transaction becomes an unauthorized use of my credit card, as I am receiving no benefit for the intended purpose necessary medical care. I implore you to rectify this issue immediately, considering the urgency of my medical needs and the emotional toll it takes on my ability to care for my child. 

I am XXXX awaiting your prompt response to this matter.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (LA)

Someone charged XXXX dollars on Dell account. Dell financial was changed to Dell pay. T he day i registered with them my account was charged for XXXX dollars by someone else. I have reported it to Dell and placed fraud alert on all credit unions but recieved notice fromtransunion saying they investigated and found it right. That is not my charge and i will not pay it. I only owe a little over XXXX dollars. The person accsess my account in XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (CA)

XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. 

US BANK XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information XXXX be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision XXXX result in legal consequences, as outlined in the California XXXX Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (WV)

Purchased a pre-paid card serve American Express. When I purchased I did not know that I would have to set up a account, and that I could just go to the store ( XXXX ) and reload when and if I wanted to. I was able to go on line and notice that serve has taken two months of fees from the {$50.00} amount I put on card. The charged me {$7.00} in XXXX and another {$7.00} in XXXX. I did not set up an account. 

I called today and spoke with rep on 7 different times, once I was able to get thru. 1st six times he said they were having technical problems and to call back. On the 7th time he stated he can not cancel the card. All I asked as for the card to be cancelled and funds returned to me in a check. 
He told me he could not cancel the card. I asked him do I have to get an attorney, he stated yes ( twice ), so then I contacted American Express the rep there informed me there was nothing they can do, although American Express serve is listed on there web site, that the issue is out of there hands.
Consumer complaint received 2023-07-10
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. (PA)

I reached out to Experian letting them know i discovered on XX/XX/XXXX there was a fraudulent account listed on my credit report. I sent a detail letter including .A copy of my Identity Theft Report and proof of my identity. Which is all that is required Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. I received notification today XX/XX/XXXX. Which is more than 30 days that the information i disputed was either deleted or not displaying on my credit report. Upon checking the information was removed then reinserted with no notification from Experian. According to the FCRA it Consumer reporting Agencies have assumed a vital role and have responsibilities to report consumer information with MAXIMUM Accuracy which they have failed to do so. The data furnisher of this account ( XXXX XXXX ) stated this has not been verified as accurate by them and actually has been noted as fraudulent. They advised me to contact Experian, XXXX, XXXX, This account is only reporting on Experian which my reports from today and dispute results do not even match which confirms they are Willfully negligent in the matter. I have lost over 40 points and have been denied an extension of credit due to this inaccurate information being reported on my credit profile. I need this account removed immediately and i will be seeking damages for the violations.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (IL)

I PAID MY LOAN DOWN TO XXXX SO I CAN PURCHASE MY NEW HOME ON XXXX. XXXX I NEED YOU TO DATE THIS BEFORE XXXX SO I CAN BY MY HOUSE ON XXXX. MY MORTAGAGE COMPANY NEEDS ALL THREE CREDIT REPORTS TO BE UPDATED IMMEDIATELY WITH MY NEW BALANCE THIS AN REQUIREMENT FOR THE XXXX AT THE MORTAGAGE COMPANY. I AM HAVING A SEVERE HARDSHIP AND I NEED XXXX TO PLEASE HAVE MERCY ON ME AND MY CHILDREN AND UPDATE MY XXXX CREDIT REPORT, XXXX CREDIT REPORT, AND XXXX SO ME AND MY XXXX CHILDREN DON'T BE HOMELESS. MY MOVE DATE OUT OF MY APARTMENT IS NEXT FRIDAY XXXX AND I AM SUPPSE TO PURCHASE MY NEW HOME AND I NEED THE XXXX CREDIT REPORTS UPDATED SO I CAN MOVE. A REPERSENTATIVE AT XXXX XXXX COMPANY TO ME TO GO STAY IN A SHELTER ON XXXX AND REFUSED TO GET A SUPERVISOR ON THE PHONE SO I CAN ASK FOR EMERGENCY HELP SO I CAN BUY MY HOME. I NEED MY CREDIT REPORTS FIXED THAT IS ALL I AM RESPECTFULLY ASKING. HELP HELP!!!
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (VA)

I pay {$95.00} annual fee on the Visa XXXX XXXX credit card. But, when I try to use the card for booking travel on an airline website ( XXXX ) the transaction gets declined. If I use Visa card from another institution the purchase goes thru fine. When I called the US bank, I was told they don't have a record of the transaction so they can't help me. After I told them the transaction is getting declined in the Verification by Visa service, they offered to connect me to Visa, instead of solving the issue as I am their customer ( not Visa 's ). I was supposed to earn 4 % cashback on {$5000.00} international airline tickets and I did not because US bank set-up declined the transaction. Charging customers a high annual fee and then not ensuring the transaction is processed when it should, is NOT fair.
Consumer complaint received 2023-12-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I disputed this debt on XX/XX/XXXX by mail and it is still currently showing on my credit report fraudulently. Nissan Motor Acceptance was not the finance company for this vehicle. The amount owed on all 3 Credit bureaus XXXX, XXXX, and XXXX is not correct. This car was previously removed off my credit report due to it having the wrong lien holder. This car was clearly in a previous lien with XXXX XXXX not Nissan Motor Acceptance. Also XXXX XXXX was in a class action lawsuit as well which is why it was removed previously. I am requesting Nissan Motor Acceptance to remove this false information from all 3 major credit bureaus XXXX, XXXX, and XXXX. I'm also requsting for Nissan Motor Acceptance to remove it from XXXX, XXXX, and XXXX XXXX permanently. I am not responsible for this debt due to it being previously paid off by XXXX XXXX XXXX XXXX according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not give consent for Nissan Motor Acceptance to release my personal non public information to XXXX XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Torriere Holdings INC (TX)

I am behind on payments so this collection company has decided it would be best to call my family members who do not live in my home and i never gave permission to contact along with my previous employment that I know of so far. I am sure there is more I just have not found out about them yet. I never have and never will give any company permission to call anyone looking for me. My child even said they told them they would be responsible for my debt unless they told them where i was.
Consumer complaint received 2024-03-19
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. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
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: EQUIFAX, INC. (OK)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.XXXX XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00}.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, 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. (MO)

I received on my email that an inquiry was placed on several of my credit reports with XXXX, Experian, and XXXX on XX/XX/ 2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. XXXX XXXX  XXXX placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.
Consumer complaint received 2023-04-22
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. (MA)

XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX  XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.