davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-05-16
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2024-04-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (IL)

This company has repeatedly called me, usually within minutes of each other using different numbers. I let them tell me the supposed debt which is false, then I tell them that they can produce original documentation or send it to court and any further attempts to contact me will result in a harassment lawsuit, as soon as I start saying it they hang up wait a few minutes and call again but it's never a live person
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 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: Bread Financial Holdings, Inc. (TX)

This complaint to COMENITYBANK WAYFAIR alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet COMENITYBANK WAYFAIR has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, COMENITYBANK WAYFAIR may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with COMENITYBANK WAYFAIRs failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.
Consumer complaint received 2022-09-19
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$4500.00}
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wired money from my Bank of America account to a fraudulent account at XXXX XXXX in the amount of {$300000.00} on XX/XX/21 from a branch. I was in the process of purchasing a property and received a fraudulent email requesting the funds for closing to be wired to this account at XXXX XXXX. I was told that the account had already been flagged and frozen at XXXX XXXX for fraudulent activity, but only received {$150000.00} back into my account at Bank of America. Neither bank will give me an answer as to where the remainder of the funds are.
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VT)

I received an email dated XX/XX/23 at XXXX XXXX to XXXX from XXXX XXXX XXXX XXXX stating that my current balance was {$100.00}. I called Best Buy XXXX to inquire what this charge was for. Answer was that if I didn't renew membership then this is a bogus email. I haven't renewed membership -- their agent says I'm not a member. the only charges are {$49.00} and {$170.00} and this is neither. I also received an email dated XX/XX/23 at XXXX XXXX from XXXX saying I have {$3800.00} available credit as of XX/XX/23. This is making me uncomfortable as I haven't used this credit card for months.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (WA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
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. (CA)

On XX/XX/2023 I made on-line purchase for {$420.00} for a XXXX bag using my Chase credit card ending in XXXX. The merchant online name was XXXX and it showed up on my account as XXXX. Initially nothing was received and I created an dispute with Chase using the Chase website. The merchant then sent me a fake item and informed Chased that an item was received but it was counterfeit. I was advised by Chase that I needed to close the first dispute because something was received and open a new one saying the item was counterfeit. I did this in writing, as required, and included a report that the item was counterfeit. Chase requested an additional and more detailed verification that the item was counterfeit and I pay for a new report with a company called XXXX XXXX to confirm it was counterfeit. After waiting over a month for Chase to review the new report I received a letter from Chase closing the dispute saying the transaction was valid. Confused, I call Chase again and asked for an explanation given the evidence I provided. I was told that Chase didn't even look at the reports and said I closed the dispute which is completely false.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I was in a low interest repayment status that I have to call every year and get back in, I called in XX/XX/XXXX and spoke with a lady at Navient and she told me it was extended out for 15 months and we set up payment arrangements for every 2 weeks. I got a call today from someone else at Navient telling me that my program has expired and they are wanting to put me back in but interest rate went from 1 % to 5 % and I will need to pay the defaulted amount because it had expired in XX/XX/XXXX and it was for the wrong amount. When I tried to explain to them that I talked to someone back in XX/XX/XXXX, he told me she just extended the payments out but did not put me back in the program and that will still need to pay the {$500.00} past due amount plus the new amount which went from {$200.00} a month to {$400.00} a month. When I started asking why the man started getting rude was not willing to answer or work with me, he then put me on a 10 minute hold saying he was going to get his supervisor and after 10 minutes he comes back on the line and said his supervisor is busy but that he can get my interest from 5 % down to 3 % but that he can not do the 1 % because I did not set it up in XX/XX/XXXX, I tried to repeat it again that I did call and the lady did explain that it for that program he then started to get irate and hung up the phone when I would not give my approval for the 3 % interest. He told me if I wanted to get out from loan I would need to call a bank and get a loan for the full amount and buy them out. I have been in this program for 5 or more years and every year I go through the same thing, and they keep giving me the run around and call me once a week with a different number. I received my loans from XXXX.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The Fair Credit Reporting Act of 1970 ( My Account number are XXXX  out ) Attorney General-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept Of Ed XXXX XXXX XXXX 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 shell not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XXXX17 I went to the Equifax site that was supposed to show you whether or not your account had been hacked after their announcement. I paid the {$10.00} each for my wife and I to freeze our accounts on Equifax, XXXX  and XXXX. However, I found out that the website given by Equifax, would note that your account was probably one of those taken in the hack, no matter what name or number that you inserted. This site noted by Equifax was basically a lie. 
I believe that the Equifax security breach is the biggest con ever pulled on the American people. If you review the facts, Equifax says that about half, or XXXX million accounts were hacked. Then they lied about the website that they set up for you to see if yours was one of the accounts. You can put in any name and any number, and they say that yours was probably one of the ones hacked. THEN they charge you {$10.00} to freeze your account. Just suppose that the breach did n't happen, and at least 100 million of the accounts is frozen by card owners, at {$10.00} each. Equifax would have to do absolutely nothing, and they would put {$1.00} billion profit in their coffers. The other 2 agencies would say nothing, even if they suspected, because they charge {$10.00} each to freeze your account in their system also -- -- -and bingo,  they also would profit by at least {$1.00} billion.  Whomever has jurisdiction over these agencies needs to verify, absolutely, that the breach occurred, or this could be the greatest con ever attempted on the American people.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (CA)

I leased a BMW XXXX 8 months ago, with a {$3000.00} down payment. On XX/XX/year> the car was involved in an accident. The car was a total loss, and the insurance company requested to pay off the amount from BMW Financials, LLC. The pay off amount was {>= $1,000,000}, Insurance sent a check to BMW Financials LLC in the amount of XXXX. After that I have received letter from BMW stating " in appreciation of your business, you are eligible to receive a Loyalty Payment Credit of up to {$4800.00} which is equal to 100 % of the amount remaining after subtracting your payoff amount from the amount of any insurance settlement resulting from this total loss " So instead of them just sending us a check with the amount that is owed, they are saying that we have loyalty credit which can be used towards buying a new BMW, which I don't want to do. Is this allowed? I just want the money in cash, not credit.
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: JPMORGAN CHASE & CO. (CA)

XX/XX/24 there was an inquiry made on my credit report from a XXXXXXXX XXXX in XXXX and also Chase Bank for a credit card that was not done by me. I have reached out to both companies to have inquiry removed and to put a stop to applications. They granted the termination of application, however, they said they can not remove inquiry from my credit report
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I spoke with Capitol One on XX/XX/year> at approximately XXXX to verify an incoming XXXX payment on my account. Despite me providing information and verifying the funds they stated they will not release the funds until the speak to the other party. I spoke to a supervisor who then stated I will also be unable to open any further accounts with them when I requested they cancel the XXXX payment they deactivated my XXXX account without my permission.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Lighthouse Finance Solutions LLC (NY)

I trusted a servicing company XXXX XXXX to handle my debts and was over charged and taken advantage of by hundreds of dollars and now I'm been sued by a attny collection company in XXXX XXXX NY for a credit card that was only XXXX limit. My check is being garnished. I Pay lighthouse XXXX a month to fix XXXX and now the refuse to breach contract nor put a XXXX on the line to negotiate pmt. Please help me I'm taking adjust therapy for XXXX also medication for XXXX  there taking my money a d refuse to end contract. Cc are charged off from last year and I was in good standing before lighthouse there number XXXX XXXX XXXX they took XXXX last yr in XXXX and XXXX monthly in add to XXXX. Biwk ly then XXXX biwkly. Attny that garnished my check XXXX XXXX XXXX has proof there was no arrangement set to make pmts