davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I opened two new online savings account with Comenity Direct. One account for a savings fund, which I deposited {$690.00} and the other one as a family vacation fund, which I deposited {$1300.00}. It turns out that two additional transfers went into each fund. I noticed it first on Saturday XX/XX/XXXX, an additional transfer of {$660.00} was being transferred to Comenity. I immediately contacted Comenity and requested that they cancel the transfer. The young lady I spoke to told me that she will put in the stop and someone would call me. By the way, it has been 3 business days since my call and I am still waiting for a call back. I also asked her if she saw another transfer being made and she mentioned no, I see nothing else. I called Comenity on Monday XX/XX/XXXX to see what was going on since I see that the money is still coming out of my account. They told me I needed to call my banking institution to stop that, which I did call XXXX XXXX   XXXX but we had to wait for it to finish processing before I could proceed. I called Comenity again on Tuesday XX/XX/XXXX because now an additional transfer was made for {$1200.00}. I called them to stop this and get my money back. I was told by XXXX the supervisor that there is a hold on my money until XX/XX/XXXX. Okay I call them again today XX/XX/XXXX and now they tell me the hold is until XX/XX/XXXX. They have almost cleaned out my bank account and I need to make payments. I have no access to the money they took and I cant get it back. This is ridiculous how a bank can hold your money for no reason especially during this difficult time that the country is going through.
Consumer complaint received 2024-04-27
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

XXXX of XXXX I purchased some things at bestbuy after our house caught on fire and we had to start over again. I did the 24-months promotion. 

The promotion was NO INT W/PYMTS FOR 24 MOS ( no interest with Payments for 24 months ). I've been making my payments way over the minimum amount so the excess amount will be allocated accordingly. 

I called them before and was told that it will be allocated and that the system may just have to update but for almost two years not a single dollar has been allocated to that amount. 

The original purchase amount was {$1700.00}, if I can't make a full payment by XXXX of XXXX they will charge me an interest of {$1200.00} because their system failed to work as it supposed to be. 

I am willing to pay what I owe but not the interest when it wasn't my fault. It seems like their system intentionally do this so they can charge me interest.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2015 Reference # : XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 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 2023-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
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. (LA)

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 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 2022-12-08
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: EQUIFAX, INC. (VA)

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. 

Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 section 2 : It 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I am a victim of human trafficking, I submitted the notorized legal documents verifying this to EQUIFAX by certified mail and requested that they remove all deragtory items from their public reports and nothing was done, so I called consumer affairs department in Equifax and they requested I resend them the documents by email, they sent me a link to do this and I sent them the documents again, I never received a phone call or email from them and they did not remove the deragotory items from my credit reports that they are legally bound by law to remove for anyone such as myself that has been a victim of human trafficking, I ask that you please see to it that they remove the information I requested they remove before I have to take other legal actions! Attached below is a copy of the documentation I submitted to them, Equifax has the notorized copy. Thank you for your time and consideration of this matter!
Consumer complaint received 2023-08-01
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

My credit report is showing late payments to JPMCB AUTO XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Early Warning Services XXXX XXXX XXXX XXXX XXXX AZ XXXX RE : Consumer ID # XXXX Ref # XXXX Dear Early Warning Services : I have received your recent response to my initial inquiry and request for verification of Account Abuse/unpaid ( {$150.00} ) from XXXX XXXX XXXXXXXX XXXX Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from XXXX XXXX XXXXXXXX. 
Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by XXXX XXXXXXXX XXXX. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. 
The full names, addresses, and direct telephone numbers for each of the individuals at XXXX  XXXX XXXX that you contacted in the course of your investigation Please also be advised that a verbal confirmation from XXXX XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 
Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of [ State ] Attorney Generals office, if the matter is not satisfactorily resolved. 
If you are unable to furnish the validation specifics listed above, and the Account Abuse/unpaid ( {$150.00} ) is not removed from my Early Warning Services file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. 
To facilitate the swift correction of this matter, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX XXXX Fl XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies-B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy-1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please remove the late payment on JPMCB because Chase is effecting my well being to obtain a house. I don't want to sue your company for violation of my rights.
Consumer complaint received 2022-10-24
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. (FL)

This is not a duplicate complaint, I'm not using any third party for this matter, I represent myself by myself and file this complaint due to the new evidence. 
XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter from them on XX/XX/2022 stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the Transunion credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX XXXXXXXX is not correct item and must be removed immediately from my report. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Transunion Credit REPORT. Only Transunion has reported this information on my credit history. 
I know my rights and I submitted this matter with all evidence to Attorney General.
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally dispute and request correction of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes incorrect addresses, charge-offs, a repossession, and unauthorized inquiries, which I believe have been reported in error. 

Here are the details of the inaccuracies I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached copies of my credit reports from 3 Credit Bureaus to this letter, highlighting the inaccuracies I am disputing.

I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the charge-off and repossession claims as I have made efforts to resolve these issues and have documentation to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you : *Conduct a comprehensive investigation into the accuracy of the addresses, charge-off, repossession, and unauthorized inquiries on my credit report.

*Contact the respective creditors and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.

I am fully aware of the importance of maintaining an accurate credit report and I am committed to resolving these issues promptly.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX and Wells Fargo Auto are threatening me with correspondences stating that they will take my vehicle if I don't pay them, but I don't have a contract with either party.I asked for the original contract and an XXXX XXXX of all accounting including the source of origination from where the lawful money was taken and given to me, but XXXX XXXX stated that she couldn't provide either to me on XX/XX/23 when we spoke on the phone. The note that she provide on XX/XX/23 appeared to be a forgery and I attest that the signature does not belong to me. I feel there XXXX have been a mistake because they didn't give me anything of value therefore I don't owe them anything. I wish not to be harassed any longer and I wish that they release any liens from my property ; if any. I was forced to make complaints to the Attorney General, the XXXX XXXX XXXX  the police department, the FDIC and the Office of the Comptroller of the Currency. I also attached a copy of the forged note that XXXX XXXX sent on behalf of Wells Fargo