davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2022-11-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my capital one auto financial was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/ Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX {$2600.00}
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-07-12
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. (FL)

I submitted a letter to the Credit Bureaus to correct 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
Consumer complaint received 2024-06-11
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. (TN)

TO WHOM IT MAY CONCERN, ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding these accounts listed be deleted IMMEDIATELY!

Account : XXXX XXXX XXXX XXXX Account # XXXX Account : XXXX  XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

This involves the massive Equifax Security breach. I froze my Equifax report and had no charge for doing so. However, XXXX and XXXX demand fees before freezing my credit report. 
Since this breach was caused by Equifax, I do n't believe that I should have to pay for the XXXX and XXXX freezes.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Update my balance.
Consumer complaint received 2022-11-09
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. (PA)

I notified Transunion a few months back regarding incorrect information appearing on my consumer report and called to have it removed. While speaking with the reps, I was transferred and spoke with another representative who informed me of a " merged file ''. Due to this egregious error on their part I am demanding removal of all negative information currently being reported under the guise of belonging to me. Transunion has not accurately validated any of the negative information being reported under under my file number and has not shown lawfully that any of this information in fact, belongs to me. I am demanding Transunion to block and remove this negative information pursuant to 15 USC 1681 c-2. I have submitted the required FTC reports, the report # is XXXX. 
The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 seeks to ensure the " accuracy and fairness of credit reporting ''. In recognition of the importance of such accuracy and fairness to the interests of individual consumers and to efficient functioning of the banking system, Congress imposed obligations both on consumer reporting agencies ( CRAs ) such as credit bureaus that compile consumer reports, and on creditors and others who provide information to those agencies. Pursuant to 15 USC 1681-b ( requiring CRAs to " adopt reasonable procedures '' for credit reporting, in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. '' Also, pursuant to 15 USC 1681s-2, " requiring furnishers of information to provide accurate information and to investigate and report the results of all disputes regarding such accuracy ''. As a consumer, I am asserting my rights and am fully aware that Congress has entrusted the Federal Trade Commission ( FTC ) with primary responsibility for governmental enforcement of the FCRA as it applies to CRAs and those who furnish information to them. Pursuant to 15 USC 1681s - the Act states that ANY violation of the FCRA " shall constitute an unfair or deceptive act or practice in commerce in violation of section 5a of the FTC Act : 15 USC 45 ( a ) and shall be subject to enforcement by the federal Trade Commission under section 5 ( b ) thereof ''. I am also aware of my rights set out by Congress as a consumer to seek damages for said violations of the FCRA by " any person '' pursuant to 15 USC 1681n, 15 USC 1681o.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (FL)

I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX  XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking account.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

I have a credit card with JP Morgan Chase ( Southwest Rewards Card ). The card is connected to my XXXX account that I use to make payments, for example, to my XXXX XXXX XXXXXXXX XXXX for pizza parties, teacher gifts and similar. 

On XX/XX/2021 I made a {$10.00} contribution to the XXXX XXXX via XXXX to contribute to the cost of treats for the XXXX party. When I checked my chase credit card statement, in addition to the {$10.00} payment and the normal 3 % fee for using a credit card, I had been charged an additional {$10.00} " XXXX XXXX '' and {$0.00} " cash advance interest '' by Chase. 

I called Chase and they informed me that XXXX payments were now treated as " cash advances '' on my credit card. They confirmed this was true, although no cash was actually ever advanced. This is not the type of transaction that I would expect to be subject to a steep cash advance fee and cash advance interest. I expressed my concern and surprise that this had not been disclosed in advance so that I could have made an informed decision as to how to transfer the funds. Chase advised that it was XXXX that caused the transaction to be treated as a cash advance, and that Chase did not have any obligation to disclose that a {$10.00} XXXX payment would be subject to Chase 's ( not XXXX 's ) additional {$10.00} cash advance fee plus interest at 28 %. I feel like I agreed to the 3 % fee for using a credit card to make a XXXX payment. That fee was disclosed and I understood it. I did not, however, at any point have a reasonable warning, disclosure or opportunity to consider the additional {$10.00} cash advance fee with interest. This seems like an incredibly deceptive and abusive practice employed by Chase to charge XXXX separate fees ( 3 % for using a credit card, {$10.00} cash advance fee and {$0.00} interest at an APR of 28 % ) in connection with a single transaction where I intended to send {$10.00} to a XXXX XXXX
Consumer complaint received 2022-11-16
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)

I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.
Consumer complaint received 2023-06-05
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: JPMORGAN CHASE & CO. (TX)

Hard inquiry notifications on my credit report. 
on XXXX, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was JPMCB- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX XXXX was XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. U S DEPT OF EDXXXX XXXX XXXX XXXX. DP OF EDUC - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. U S DEPT OF EDXXXX XXXX XXXX
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have filed dispute with XXXX, Equifax and XXXX, but i have only heard from XXXX and Equifax. Its been over 60 days and I haven't heard anything from XXXX. XXXX an Equifax reported that the information was verified and accurate but I have proof that that is not true or accurate. 

XXXX XXXX has deleted the bankruptcy off my consumer report and the US bankruptcy court verified that they do not report the the credit bureaus.
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (PA)

account number : XXXX i made payment on XX/XX/XXXX by phone and it didn't get completed until the XXXX. this has violated by rights as a customer with accordance to 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-07-09
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. (IN)

I have written letters to Credit bureaus about the errors on my credit report three times and always comes back accurate. I know there has been no investigation because I clearly provided them with the credit report the accounts to be removed immediately. The Fair Credit Reporting Act states if any credit report is not 100 % accurate, It must be removed or the business is subject to a {$1000.00} violation. Which I will pursue if these accounts are not removed immediately. Transunion will not give me a copy of my credit report unless I pay for it as the representative of Transunion said to me.I said, I am supposed to get a free copy of my report. The representative hung up on me, which is a violation of the FCRA Law. I am extremely disappointed with how I have been treated, ignored, and deemed as less than for expressing what has been set in place for people like me. I am looking to resolve this in a calm, quick and hassle-free manner without having to escalating my problems further to those willing to listen to me and take my concerns serious. 
15 USC 1681 A 4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2023-04-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (FL)

Monthly payments started around at XXXX then Escrow hit and went upto {$1800.00}. Sent in all Escrow payments and they never decrease mintly payments, continue to pay extra from XX/XX/XXXXXXXX  to XX/XX/XXXX. Made several calls and fax letters and no corrections. 
As of XX/XX/XXXXXXXX  Escrow has been paid and they still trying to get more Escrow money out of me. The company : CMG FINANCIAL MORTGAGE has been a problem since they took over my loan and will not get back with me. All representatives that I've spoken to put in escalations but nothing is being done. They owe me n I'm tired of will get back to you and never do or correct the issue.. $ $ $