davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (NY)

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XXXX XXXX, XXXX to Investigate the Erroneous Account : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX 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 ( 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 creditor.
Consumer complaint received 2024-03-04
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. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
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. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-15
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. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-26
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report.According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities.I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I purchased a merchant on website scarce.us costed {$420.00} and it supposed to be delivered to my house on XX/XX/2022 by XXXX. But I was not home at that time when they delivered. So I requested to ship once again to my house but it never happen. And couple days later when I tracked the package on XXXX website, it said the package will send back to the shipper. So I did ask their customer service to refund me, and they said they will when they received the package. However, I never receive any refund, so I disputed on the charges my chase credit card account. However, they denied my dispute because they said the sender provided a tracking number and it said it shipped to my address. But it is not true, I never receive any merchant. And now I check the tracking on XXXX again, I can see the sender is filing a claim on this shipment.
Consumer complaint received 2022-11-15
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. (CA)

I'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I submitted a dispute letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm contesting have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are obligated to delete any accounts and information included on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days from the date of receipt. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file since they were caused by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-09
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: Consumer Portfolio Services, Inc. (TX)

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX CARD XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance XXXX : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ME)

Chase XXXX Department Submitted via Chase XXXX RE : Next steps on Chase dispute claim ID # XXXX XXXX XXXX XXXX XXXX my husband and I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TV from XXXX XXXX website ( order # XXXX ). 
On XXXX XXXX XXXX XXXX XXXX XXXX  delivered a XXXX TV. Within minutes of the team leaving, we realized that the wrong TV had been delivered. I contacted XXXX XXXX support who informed me that the correct TV would be delivered by XXXX XXXX and the wrong TV would be taken away. ( We do not own a vehicle large enough to bring the wrong TV back to the store and didnt want to do a return as we wanted the XXXX XXXX  pricing we got on the XXXX ). 
XX/XX/XXXX came and went, and no TV was delivered. 
I contacted XXXX XXXX support multiple times, informed them that the XXXX was not delivered and that I needed them to come get the XXXX. The support personnel confirmed multiple times that this would happen. Then they said that they had filled out a form, however, no contact was ever initiated by XXXX XXXX, nor did they make any attempt to remediate their mistake. 
I wrote to them on XX/XX/XXXX, informed them of the situation, and that I would be initiating a chargeback. XXXX XXXX support assured me that it would all be taken care of, and we did not hear back from XXXX XXXX via any form of contact after. 
We do not want the XXXX and have no way of getting it to a XXXX XXXX store. They need to deliver the correct item that we purchased and remove the large, wrong item. As is this purchase is not valid because the item is not as described. Please see below for screenshots from some of the many conversations weve had with XXXX XXXX. 
Best, XXXX XXXX Last XXXX digits of credit card XXXX Chase support denied our chargeback claim despite providing evidence that XXXX XXXX delivered the wrong TV, and that we have tried to remedy this with XXXX XXXX
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Mom is a veteran who had a fiduciary who works for the veteran affairs. It was made out to the landlord. Im put the check into my account that my name and my moms name was on. The check was said to be cleared within one business day, a day later XXXX business days. This occurred on XX/XX/2022. They have taken all access for me to login. My landlord which we were not able to move in due to the hardship this bank brought upon my family, has spoken to them, my mom, and myself. WE HAVE DONE EVERYTHING THEY HAVE REQUESTED. They have been completely dishonest and have violated all federal regulations. WE HAVE CALLED 82 times. We have been told 5 times the check will be mailed. We have no access to the account to know whether or not our funds are there. A statement was sent out last month which is has false information. We have received nothing in writing the reason the veteran who is my mom funds are being withheld. They have been rude, callous, and completely unprofessional. 
I have also emailed the complaint department. No response.
Consumer complaint received 2022-11-15
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)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I keep getting this message when trying to access my credit score. 


Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Consumer complaint received 2022-11-15
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have customized cash rewards credit card with Bank of America. My statement cycle ends on XXXX of every month. 

I made a purchase with my credit card on XXXX XX/XX/2022, at XXXX. In the statement I received on XXXX XX/XX/2022. I was charged interest. 

I reached out to Bank of America credit card customer service. They didn't provide me proper information on why I was charged interest. That too before the statement closing date. Also rudely disconnected my call on XXXX XX/XX/2022 when I asked them information on how the interest was calculated. They failed to provide the information.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: MARINER FINANCE, LLC (OH)

Mariners Finance is going into my report bureaus ( XXXX ) and putting inquirys on it behind my back, I have not applied for any loans through them, did that long time ago and they ripped me off so I learned a lesson they are underhanded and are allowed to do damage to others. 
I was receiving offers via U.S. mail, I would send them back telling them I am not interested stop mailing your garbage to my address, this didn't work, so I went online to a OPT OUT ALL IN ONE website and opted out of all junk mail coming to me, that didn't work, they still mailed me, so I emailed their main firm in XXXX MD and demanded they remove me and stop bothering me, they said they would, but now here 's this! they are going into my credit bureaus and snooping around, I never opted in to receive any marketing mailings from anyone of any sort yet these crooks wont leave me alone
Consumer complaint received 2017-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (TX)

I am a  XXXX  veteran, I went to purchase a car and the sales person basically lied to me about the condition of the vehicle. I purchased the car on  XXXX / XXXX / XXXX  because the sales person reassured me that I was making a great purchase, after much research I found out that at one time  XXXX   XXXX  the  XXXX  model was under recall due to a manufacture defect, what made me look into this was because I noticed water in the bottom of my trunk along with either termites or ants, I purchased a wet vacuum to remove the bugs and water but nothings working. I brought the car into the dealership to be looked at and they informed me I had to pay over a  XXXX   XXXX  just to get it checked. That was money I did not have so I left. It kept raining and the car was getting worst! So for the about a year there has been mold and bugs in my car even in the inside. I do n't know what to do.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on XX/XX/XXXX.
Consumer complaint received 2023-02-03
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: CarMax, Inc. (FL)

Contacted the dealer to notify them that different companies inquired on my credit being that a fraudulent application was made through their company. I told them that I do not authorize any one nor did I give authorization to run my credit to apply for any kind of financing with company and they stated that it would be moved and I have even addressed all the lenders directly and all directed me back to the dealer Carmax and theyre refusing to help me.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Since XX/XX/XXXX I have been attempting to connect with MOHELA education servicer for direct loans. I keep getting informational messages for extended periods of time. They also do not not answer and say they cant locate my information but I am calling to discuss something else. When speaking with agents they give false information.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (NC)

I purchased and applied a {$100.00} gift voucher to my XXXX account, expecting to be able to use it to purchase hardware or physical games. The funds are now locked in a " wallet '' on their site that can only be used to purchase digital goods, for which I have no use. I have called and used chat and have been told there is no way to withdraw the funds or have them converted into a format which I can use on the physical goods.