davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-01
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-06-01
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. (NY)

I recently reviewed a copy of my credit report and I was shocked to learn I have been a victim of identity theft I found several accounts on my credit report that were not opened by me. This has been hurting me since I'm trying to buy a home for my Family. Please remove these accounts immediately.
Consumer complaint received 2022-04-20
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-20
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. (OH)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-01
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX and XXXX XXXX XXXX. 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 an 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 2022-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

I purchased a chair online and used affirm for the financing. The company I purchased the chair from says they never received the order and have no record of my purchase. Affirm is still charging me for the loan even though I've filed complaints, no response. I just want this loan cancelled.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me 30 days past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Car was repossessed in XX/XX/XXXX. Then sold for XXXX in like XXXX. And they want me to pay the remaining XXXX. The car was only worth XXXX. They got there money. It's credit acceptance. We agreed to pay XXXX for the car in the beginning then they changed the price to XXXX and we had to take it we needed a vehicle my wife was XXXX and we needed it. Now they want to sue me for the remaining balance.
Consumer complaint received 2023-02-20
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. (IL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (VA)

Chase credit card company would not accept a payment from me because it was XXXX hours late. They then doubled the monthly amount on me which I could not afford. I am on XXXX. They even charged me late fees after I closed the account. This is very unfair and predatory treatment. Thank you. XXXX XXXX
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (PA)

Opened a 0 % balance transfer CITI card to pay on a line of credit at our bank, XXXX in Washington, PA on XXXX. The amount to be transferred, {$11000.00} was Never received at XXXX. I have talked to, XXXX people at CITI XXXX each XXXX, me having to start from day XXXX explaining the problem. I was given a TRACE ID # which I took to my bank, XXXX, & nothing was found. I made the mistake of not putting the full account # in when applying for the transfer money, but, did supply them with my bank name. Several CITI reps took my bank phone # & even the name of the banks manager to talk with her, after I gave permission to do so, & no one has ever made a call. Im told with each phone call to CITI, Its under investigation, call back in XXXX days!! I have made XXXX, healthy payments on this money that I do not have! Now, I read at CITI the XXXX will jump from XXXX XXXX % if the transfer isnt completed within 4 months from opening. Im at my wits end trying to find this money & CITI isnt doing a thing. THANKS! XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (KY)

I have an XXXX account with Optum Bank. Optum bank maintains an expense history that I can reimburse fully or partially from. Their bank has recently broken the ability to partially reimburse an expense and their agents have said they can't do anything until the back office responds by email. This is a problem since I have a payment plan for an orthodontic bill. 

I'm needing reimbursed from my XXXX as the partial payments are due. When I tried to do a partial reimbursement, as I have in the past, I discovered the Optum bank app has been changed and they've removed historical expense management from the XXXX app. Trying to use the website, the functionality for partial payments is broken ( I've previously only used the XXXX app for this function ). 

I reached out to Optum 's technical support by phone and they acknowledged the functionality is broken on the website and missing from the app. The only solution they offered me was to wait for an email from their back office and they were unable to help me on the phone. This means that I can't issue a partial payment for an existing expense due to their system breakage. I attempted to escalate the problem with a supervisor but have not received an acceptable response- they said they would notify the back office of my feedback and said that's the best they can do. 

As a bank, being able to withdraw funds to issue payments is critical. I'm currently unable to do so due to their website & app issues. No such functionality is offered by the bank via the phone.
Consumer complaint received 2017-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WV)

For the past  XXXX  to   XXXX   months my  Federal loan payments have been wrongfully allocated to my Private loans, Making my Federal loan payment late. I then have to call them and have them figure thing s out and re-allocate the funds to the correct loan. This happened today   XXXX   and   XXXX     and once in  XXXX  but I ca n't remember the day. On the  XXXX  phone call they said that after they moved the money back to the Federal loan it would make the  Private  loan {$80.00} short. however when I called this evening they said that they saw were that payment was made, however it was n't applied to anything. I have probably had over {$800.00} misallocated. Also the company in question is Navient.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (MA)

The company, or its staff, seem to be threatening to take the business ' refund, in alignment with issues with the local bank staff 's pettiness and irregular professional ethics ( a XXXX here in XXXX ). It is happening virtually. The branch in question is probably irrelevant, as there are several branches here in the same block. ( XXXX and XXXX streets in XXXX XXXX, MA ). Not XXXX or XXXX. Their staff are all qualified, it appears, to hold the same role in other branches.
Consumer complaint received 2024-06-18
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: CLGF Holdco 1, LLC (OH)

XXXX XXXX XXXX XXXX XXXX  and XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (GA)

ITHINK XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

This company bank is corrupt they sent me a letter by mail telling me a payment solution may be available if I call them I need a settlement after loosing my job I dont have the money and have stopped paying them for this reason when I called they refused to help And said no to their letter and settling this account for less than the full balance Im still without a job and dont have the full balance
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NY)

XXXX XXXX, 2020 I was sent a text claiming to be my Bank saying I had fraudulent charges. After replying to the text I received a phone call. The number they used was actually my bank 's fraud line, but not actually them. They asked me about " recent charges ''. They stole my social security number and tried to Zelle  {$1000.00} from my account to another account. That other account used a cell number to collect the money which I still have ( XXXX ). After hanging up the phone when I realized something was wrong I called my bank to report all of this. I then called the credit bureaus to report that my social is compromised.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, Bankruptcy Discharged XXXX  XXXX Ref. # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-22
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: Credit Karma (CA)

Due to the data breach with XXXX and XXXX some time ago, victims of the breach were granted access to credit monitoring through Credit Karma. I was one of these victims.

Recently I began receiving emails from Credit Karma with alerts stating that my " credit limit has decreased '' and they referenced a line of credit I carry ( XXXX ) I contacted XXXX and was assured that my credit limit had not changed - this repeated three times : Credit Karma emails me with an alarming email explaining how decreased credit limits can harm your credit health, how will this negatively impact me, how to contest the change, etc., I contact XXXX to confirm nothing changed, I email Credit Karma, get ignored ... process repeats.

I've contacted Credit Karma dozens of times and they refuse to put me in contact with a supervisor, but the rep who replied explained that these " credit limit decrease '' emails are marketing emails and to ignore them- which is unacceptable. 

I explained that this deceptive and predatory behavior and that I no longer give them permission to send me those types of communication ... .at this time they began to refuse to even reply to my emails, stating that my email addresses didn't match their records and for security reasons they could no longer communicate with me ( this was blatantly untrue ). 

At this point, I want to lodge a formal complaint because these are extremely alarming emails to receive and they reference real lines of credit I carry and give false information in some ridiculous attempt to get money by scaring poor people who've already had their lives disrupted and their financial futures negatively impacted by our very own credit reporting agencies. 

It's all unacceptable and their lack of willingness to even communicate with me about fixing the issue and stopping these marketing attempts is not ok. 

Thank you for taking this time to review. I appreciate it!
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC (NJ)

I had fund taken out of my account with no prior warning, company is stating that i was served with a letter, that never happen. 

I never applied for a credit card or loan with XXXX XXXX  XXXX. 

XXXX Rubin and rothman llc # XXXX
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

E-mail phishing scam on XXXX from supposedly XXXX XXXX XXXX for XXXX XXXX XXXX membership of {$340.00}. 
Contacted Best Buy and they indicated that it is a phishing scam. Recommended to report incident. I am watching credit card for any bogus charges.