davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the accounXXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2022-04-27
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-27
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-08-08
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. (KS)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

To Whom It May Concern, My name is XXXX XXXX and Ive been a chase account holder for about 10 years. My experience has been ok for the most part however, the past year has been the hardest. Since the pandemic, my only source of income, XXXX, has dropped dramatically ; due to this I was forced to file for unemployment and have been on the Arizona XXXX program for about 8 months. Due to this, Ive struggled to pay bills as well as keep up with my finances. Up until last month, I was able to pay down my account to a XXXX or positive balance ; I stopped paying because I couldnt keep the balance positive as I only receive {$250.00} a week from Arizonas XXXX program. 

The overdraft fees chase charge is already unfair, the fact that I have to call to get 8 fees removed at a time doesnt make anything easier. I am politely asking that Chase removes all of the Overdraft and NSF fees charged to my account this entire year. Once I know how much I owe chase without the fees, I can arrange a payment to cover the items that caused the overdrafts and will proceed to close my chase account for good. If chase refuses to remove these fees, I will let the account go into collections and wont pay chase back. 

Please work with me, I know Im not the only one facing hardship due to COVID.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I believe that Experian has failed to comply with its obligations under the FCRA by reporting inaccurate personal information regarding my credit report. 

The FCRA is designed to promote accuracy, fairness, and the privacy of personal information in consumer credit reports. Unfortunately, my recent experience with Experian has demonstrated a lack of adherence to these principles. I have identified several inaccuracies in my credit report, including wrong name listed as well as an address. CFBP please have this information removed because that is inaccurate information. 

Despite my efforts to rectify these inaccuracies by contacting Experian directly and providing supporting documentation, I have not received a satisfactory resolution. My attempts to dispute the inaccuracies were either ignored or inadequately addressed, which is not in line with the requirements set forth by the FCRA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. It is essential that consumers are protected from false information that can significantly impact their financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2023-05-09
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. (NJ)

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the itemsbe authenticated by the 3 credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting itemsas unverified information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Complaint Overview Type of Issue : Funds being held by PayPal for 180 days due to account limitation. 


-- - Detailed Description : Date of Incident : XX/XX/year> Amount Involved : XXXX XXXX Actions Taken : I contacted PayPal customer service multiple times regarding the limitation on my account. 

I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX but my concerns have not been adequately addressed. 

I was informed that my funds would be held for 180 days, which I believe is excessive. 




-- - Impact on Me : The inability to access these funds has caused significant financial strain. I am unable to pay for emergency bills and my child 's medical needs, which has created a stressful situation for my family. 


-- - Desired Outcome : I am seeking a resolution to have my funds of XXXX XXXX released sooner than the imposed 180-day hold.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- - Unauthorized Inquiry 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-27
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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2022, I contacted XXXX XXXX to take a course. Less than a w week later I have to cancel On XX/XX/XXXX, I contacted XXXX to take the XXXX course. I was contacted almost several hours within a day to make a decision. After I made the decision, a week before the course started after paying a total of {$1800.00} to XXXX, I had a death in my family. I contacted the representative who informed me that I can cancel and all funds will be refunded due to my state of grieving. In addition, on XX/XX/2022, I had technical issues with accessing the website. Each time I tried the access the platform, I was under the impression that it would work, I contacted XXXX and was told to reach out to " Please raise a ticket on the Dashboard where you can see the help section. '' I did and no one responded. 

I switched using XXXX and tried XXXX XXXX. The sit worked for 5 mins and then stopped. Dealing with the grief and was assured by the representative that since I have not started the course, then I would be refunded. I informed the representative, who identified himself as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX XXXX, he assured me that the refund was completed based on the circumstances. Several weeks later, XXXX, re-charged my brother 's credit card for {$1800.00}. 

I contacted the merchant several times via emails from XX/XX/2022, to as recently as XX/XX/2022. To date, no one has contacted me to resolve the issue or attempted to offer me credit of any sort. Instead, they kept my money using some lame excuse of course access. Each time, I log in with the technical issues I experienced accounts for course usage really? 

I once again contacted XXXX, no one is answering the phone and it appears they are able to get away with my money without any intervention. This is unfair and unethical. Even with the email proof I sent. 

My brother and I contacted American Express and they stated they would assist us in getting our money back, to date. XXXX has yet to offer full credit for a course I have not taken. At no time, did they disclose the terms of usage or informed me that I would not have my money back. I hold American Express responsible for violating the Do No Harm principle in business transactions. 



INVOICE AND RECEIPT INVOICE # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, United States NA BILL TO : XXXX XXXX XXXX | XXXX ORDER # : XXXX ISSUE DATE : XXXX XXXX TOTAL : {$1800.00} COURSE DESCRIPTION PRICE ( $ ) QTY TOTAL ( $ ) XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX TRAINING TYPE : Online Bootcamp XXXX  : XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX X XXXX = XXXX
Consumer complaint received 2024-03-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2023-09-27
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

good afternoon dear agency, someone stole my documents and opened several accounts in my name, but this person was unable to use the credits he opened in my name.Please remove them inquiries on my credit
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX, FL XXXX is reporting wrong on this account. this needs to be removed. I have reported this on identitytheft.gov and also with all 3 credit reporting agencies. XXXX and XXXX has deleted this information but experian has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-01-25
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: U.S. BANCORP (GA)

Elan Financial - Inquiry Date XX/XX/2022 - This account is not reported on my personal credit report nor did I apply for credit with this organization or this date.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The only address should be on my file is XXXX XXXX XXXX XXXX XXXX NY XXXX any other address is inaccurate. I have called a few times but for some reason other addresses keep hearing on my account.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

on XX/XX/2022 I had submitted a complaint regarding Bank of America Business Credit Card Application # XXXX being denied. That CFPB complaint number was XXXX. This bank now has attacked me personally by closing out my personal credit card ending in XXXX through retaliation due to the prior CFPB complaint done on XX/XX/2022. The reason ( s ) listed are bogus and are a cover up just to cover up thier XXXX from any litigation or lawsuit. Its pretty obvious that this bank has retaliated in an effort to " get back at me " for the previous complaint. In regards to retaliation, Bank of America has been sued by many consumers and previous employees for employment and credit retaliation. This is public record. Bank of America needs to be investigated for this illegal act. I am going to take legal action against the Bank because I have had enough of thier XXXX. Please note, I am going to purse for {$5.00} million in damages that are unethical and demand my credit card be re-opened with the same credit limit. I further will sue you for an additional {$1.00} million due to the negative impact your going to leave on my credit report. It will show a closed account done by the credit grantor. Your not going to start damaging my credit score, and credit report with your nonsense. You had no valid reasons to close my account. The account wasnt even open 60 days and always carried a {$0.00} balance. All actions, i have mentioned in the complaint, are going to be pursued and i can promise you, i will see your XXXX in court.