davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Chase credit cards allows an application but upon denial of the credit card application that a persons credit card score can be dropped if the reasoning is due to a flag that tries to blame the credit card applicant. 

I received the denials and this is not due to my fault but only due to Chase failing to recognize why the credit card is being denied is not the fault of my credit but the fault that they could not recognize I already have open accounts with Chase and can not open a new account until a certain period of time. I believe Chase wrongfully denied my credit card application as a hard crash to my credit score and I believe any denial of credit is only due to something unrelated to my credit score as to have already been a customer. I do not mind if the credit card is not allowed but this should not be influencing my credit card score as if I did something wrong for being a chase customer for which I closed my previous credit cards to open new credit cards where the promotional credit card is only allowed to new customers more so but should not be denying myself as to influence my credit score as if I have bad credit. This is a mistake of chase and I would like Chase to admit that the credit card application wrongfully submitted a hard denial rather than a soft denial and should let XXXX know that the credit score should not be harmed and that the denial is only due to the promotional accounts for new customers for which I am not a new customer and have good credit. The denial of the credit card is not a fault of the applicant thus Chase should acknowledge this and let XXXX know that there is a systematic fault triggered on older customers as to only allow new customers new credit cards where the older customer is denied credit only because one already has a Chase Credit Card. 

Please allow Chase and XXXX to fix my credit Score due to Chase is incorrectly passing information with XXXX as if promotional credit card denials is the fault of the Applicant as to showcase a drop in credit score after applying when this should only happen if I have bad credit but not because of promotional dealings where I can reapply later on after the promotional period allows the older customer into the new deal of promotions.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, on XX/XX/year>, and again on XX/XX/year>, I investigated my credit report and realized several inaccuracies, invalidated and unverifiable items that the 3 major credit bureaus are reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims violates my consumer rights and is unjust. The credit reporting agencies are either not responding or stating that the information I submitted on the above dates mentioned with my letters was unverifiable.

Again, there are several inaccuracies still showing on my credit report. In some cases, they have been removed and reinserted, causing me to lose housing opportunities and from obtaining credit. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ), these accounts violate not reporting 100 % correct.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX  % proof of these fraud accounts not begin mine! 
All XXXX  Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the amount owed on this XXXX XXXX XXXXXXXX account label as late payments account XXXX XXXXXXXX According to The FCRA is a federal law that gives the consumer The right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time the balance the credit limit the pass due please have this removed because all three bureaus is very inaccuracies
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

As a federally consumer protected under the Fair Credit Reporting Act ( FCRA ), I am formally exercising my right to opt out of any and all authorizations, whether expressed in writing, verbally, or otherwise, as provided for by 15 USC 6802 under 16 CFR Part 313.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Consumer complaint received 2023-08-24
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: Debt Recovery Solutions, LLC (CA)

I received an alert that DRS ( Debt Recovery Solution ) had posted a derogatory mark on my credit for collections on a loan for {$3700.00}. I reviewed the account information and I have never heard of DRS or the initial company, XXXX XXXX XXXX The account is in my maiden name which changed in 2019 and my previous employer had a data breach that released my social security number and I believe this account was fraudulently opened in my name. I tried to dispute this report with XXXX and XXXX. XXXX approved the dispute but XXXX did not.
Consumer complaint received 2021-01-21
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: Experian Information Solutions Inc. (NY)

I have been disputing with the bureaus since XX/XX/2020, XXXX accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

On XX/XX/2023, I sent a debt verification letter to Receivable Management Services LLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MA)

I would like assistance on this investigation In my credit report and Remove/Delete. These accounts and Inquiries AND LATE PAYMENTS NEED TO BE ADJUSTED. 
PLEASE HELP ME UPDATE MY WHOLE CREDIT REPORT AND PROPER INVESTIGATION IN MY CREDIT REPORT AND CORRECT MY REPORT PLEASE. PLEASE UPDATE CURRENT ADDRESS AND EVERY INFORMATION LISTED!!! 

XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX INQUIRY DATE:XXXX XXXX XXXX XXXX DATE INQUIRY:XXXX XXXX XXXX DATE INQUIRY:XXXX XXXX DATE INQUIRY:XXXX  XXXX  DAte Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX DATE INQUIRY:XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX LATE ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX IDENTITY THIEF XXXX XXXX  XXXX identity thief XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX ACCOUNT NUMBER XXXX Identity thief 15 USC 1681 N Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

1681b.

Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

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. 

15 U.S. Code 1666b, also known as 163 of the Truth in Lending Act, states that a creditor can not consider a credit card payment late unless they have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have repeatedly contact Experian and XXXX asking them to update my credit report noting I have a XXXX balance. I am getting absolutely no where with them. They both continue to refuse to update and leave the balance as $ XXXX even though its {$0.00}. I have contacted both companies in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
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: Experian Information Solutions Inc. (SC)

I hope this complaint finds you well. After reviewing my consumer report, I noticed there is an inquiry on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Experian a letter on XX/XX/2024 and I have not received a response whatsoever. They have a grave responsibility to report accurate information and in this case they are NOT. That is a violation and according FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know my rights as a consumer and will sue your company for constantly violating my federally protected rights. According to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is violation. I DEMAND REMOVAL OF THIS INACCURATE INQUIRY IMMEDIATELY. This unauthorized inquiry has been detrimental to my XXXX XXXX and overall financial well-being.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, & XXXX continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address any other address is incorrect and not deliverable by the XXXX XXXX XXXX XXXX. I have attached proof of this to this compl.
Consumer complaint received 2024-03-10
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (DE)

Someone got my credit number for my Amazon account and ordered XXXX XXXX. They did not change the address in my account and they were sent to me. I returned the XXXX XXXX and have the tracking number to prove they were returned to the warehouse. I have sent them 2 letters with all this information, .and a copy of the tracking slip to prove it was returned to the warehouse. The response I got was You have accepted responsibility for the charges. The purchased item ( s ) were shipped to your address. You authorized, participated in, or benefited from the purchase. I closed the card immediately when this happened. I do not want to pay {$200.00} for something I did not order and returned. They also added late charges for payment on my bill. They have continued to bill me and it has effected my credit score. I made a payment of a late charge just to get my credit score back up. It dropped by XXXX points,
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (IL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Discover Bank
Consumer complaint received 2024-06-26
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: CITIBANK, N.A. (NY)

I filed a Citibank Credit Card dispute on XX/XX/year> against XXXX XXXX for {$540.00} for a gift card purchased on Iberia.com that didnt work. Citibank issued a temporary credit for the investigation. I thought the case was settled in my favor after speaking with customer service in XXXX and providing documentation. Then, On XX/XX/year>, over XXXX months or more than XXXX  days later, well beyond XXXX billing cycles, the credit card company recharged me {$540.00} stating that merchant would not provide credit for the services I never received. The case was closed, Citibank stated, past the time limit for a resolution and Citibank demanded me to pay {$540.00} for a gift card that XXXX XXXX website rejected. If I didnt pay for an XXXX  gift card that did not work, Citibank XXXX to report it to credit reporting agency.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (CA)

And according to the fair credit Act the list of accounts Below have violated my federally protected consumer rights under the 15 us 1681 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subsection 602a States I have the right to privacy subsection 6:04a section 2 it also States a consumer reporting agency can not furnish an account without written submission
Consumer complaint received 2023-04-05
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)

XXXX XXXX XXXX XXXX AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Dear CFPB : I am writing to file a complaint against Care Credit, promoted within medical facilities, including the XXXXXXXX XXXX I visited last year for XXXX XXXX that were urgently needed. During this visit, I was exposed to multiple advertisements and was recommended by the XXXX to use Care Credit as some sort of an interest-free financing option. Believing it to be a viable, interest-free alternative for my situation, I applied for and received a Care Credit card, which I used to pay for services on multiple occasions. 

Upon reviewing my account statement Today XXXX XXXX XXXX, I was shocked to discover an " XXXX Charge on Purchases '' totaling {$250.00}. This charge contradicts the primary reason I chose to use Care Credit, based on the understanding and advertisement that it was an interest-free option. 

The problems with this situation are twofold. Firstly, the promotion of Care Credit within healthcare facilities as an interest-free credit option comes with incredibly limited disclosure about the terms, particularly concerning for patients in distress or under duress, as I was at the time of the XXXX XXXX. Secondly, there appears to be a significant lack of effort on the part of Care Credit to communicate the specifics of the interest-free terms, including the duration of the interest-free period and the consequences of not paying the full amount by the deadline. This lack of communication led to a misunderstanding of the interest-free deadline 's implications, resulting in unexpected and substantial interest charges. 

I was under the impression that " interest-free '' meant no interest would be accrued during the specified period and that if the balance was not paid in full by the end of this period, interest would then begin to accrue. However, I was not aware that failing to pay the full amount by the deadline would result in retroactive interest charges for the entire period, all at once. 

This incident has not only imposed unexpected financial hardship but also starkly highlights what I perceive as predatory lending practices. The lack of transparency and adequate communication about the critical terms of the interest-free period has led to a significant and unforeseen financial burden. 
If this situation doesn't constitute predatory lending, then I'm unsure what does. I urge the CFPB to address these concerns with Care Credit to ensure greater transparency and to assist in resolving this distressing financial situation.
Consumer complaint received 2023-05-23
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 credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the 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 as late for any purpose.