davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX  Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXX XXXX. I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions. 

I understand the commitment XXXX XXXX  has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Discover Card Bank issued a 1199C forgiving the debt I owed them ; however, they continue to show the amount as past due. I have paid the extra income they submitted on the 1199C to the IRS. Have asked them in the past to remove it however they have never responded.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

In my recent credit updates with my mortgage company ( attempting to purchase a new home ) i was alerted that BarclaysXXXX XXXX was reporting me 30 days past due. I have not used this card so this information was incorrect. On XX/XX/2022 Barclays advised me that a letter was sent out stating that the account had been corrected and the late mark was reversed off of my credit report. On XX/XX/2022 my mortgage company issued a new credit report as Barclays updates on the 4th of every month. In this update, Barclays is now reporting me 60 days past due and did not update my credit profile as they stated they would. In calling the credit dispute dept of Barclays, we were met by a rude misinformed representative name XXXX. He proceeded to raise his voice yelling that we had to file a dispute with XXXX and XXXX only to fix this. This doesn't make any sense as Barclays are the ones that submitted this wrong information to the bureaus and XXXX can not dictate what they or the other bureaus report. This representative then hung up on me and pushed us to the survey line.
Consumer complaint received 2023-06-19
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. (MI)

This is my 6th 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
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On Friday XX/XX/2023, I attempted to use my account at Chase Bank, only to see my card was not working. Once I noticed this odd action, I immediately gave them a call. They informed me that my account was restricted and they have chosen to close the account. Chase would not provide me a reason as to why this was happening. I asked why can I not know and they stated that I will be receiving a letter via mail in 10 business days. They also stated that I would receive my funds in approximately 2 weeks. So I asked, it would have take me this long to even know what was going on with my account if I did not call. 

On Saturday XX/XX/XXXX, I was told by a service rep that I would be able to go into the branch and have my funds made out in form of a cashier check. Moving forward on Tuesday XX/XX/XXXX, I went inside of a branch only to find out that I could not even do that. They were still " under review '', but still no explanation of said review. 

On Wednesday XX/XX/XXXX, I see that I no longer even have online access to review my account nor see the amount of funds I have in the account. When I called in they did not state why I could not see my account. Although the warning told me to give Chase a call to have viewing access back, they still refused to do so. 


I have an ACH incoming into the account and I am not even able to see if the funds hit or not. They will not provide me an answer and says I should just check in daily with the sender to see if they had some sort of return. 

I have several bills coming up or now past due thanks to chase. Which will include me in late fees and no reasonable explanation to the companies as to why I am late. This has been the most unprofessional and untrustworthy process from a bank.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

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 neighbors, 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. 

I would like to know who did they talk to? 
How did they complete this investigation? This is considered fraud and against the law.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I need clarification as to why you are reporting certain information on my credit report. Please review the following : ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? ALSO, THE ACCOUNT IS NAMED XXXX XXXX ON EQUIFAXS REPORT, WHILE XXXX IS LISTED AS XXXX XXXX. DELETE THE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 


In the past XXXX years, I have written and sent letters to all credit bureaus in regard to this particular account and to have this particular account removed, but this account is still listed on my report. I also recall making payments online with these particular accounts and paying the balance off. Though, after learning about this information on my credit report, I returned to the company site to gather more information and receipts of payments, but the information was no longer there.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Equifax has mixed my credit file with my twin sisters '. The following information is incorrectly reported to my credit report Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IN XXXX The XXXX  XXXX XXXX Acct # XXXX - Does not belong to me XXXX  XXXX - Acct # XXXX - Does not belong to me XXXX  XXXX - Acct # XXXX - Does not belong to me XXXX XXXX Acct # XXXX - Does not belong to me XXXX XXXX  - Acct # XXXX - Does not belong to me XXXX - XXXX Acct # XXXX - Does not belong to me XXXX XXXX Acct # XXXX - Does not belong to me
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2022 I made a mobile deposit which was supposed to be in the amounts of {$80.00} into my USAA checking account. Unbeknownst to me I had pressed an extra zero on my deposit and it turned into {$800.00}. The following day I received a notice from USAA of the mistake and not my account was negative. {$120.00}. In the following days, my VA benefits for my XXXX XXXXXXXX were deposited into my checking account, bringing my account into the positive to the amount of {$830.00}. I then received a call from USAA saying that they were closing my account. But the problem lies in the fact that they are not giving me any of the money that was deposited into my account for the next 60 days. If this were any other form of tender or income I would understand that, but seeing as I'm a XXXXXXXX XXXX on a fixed income and these are protected funds, it is not okay for USAA to hold these funds from me. Me I'm in the process of being evicted from my home, I have no food in my fridge, and I've called begged and pleaded to USAA to please just give me my XXXX income and close my account. The only thing I met with is half-hearted. Apologies, and being told to go to charity or ask friends or family for money. Literally a USAA representative told me to go to a charity or to ask family or friends for money. I do not owe USAA anything, all of my accounts are paid and this is completely unacceptable and inhumane. Inhumane. USAA is a bank that is supposed to stand by those that have served this country, yet they are allowing the very people they swear to serve, lose their homes and walk the streets hungry.
Consumer complaint received 2022-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the tair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (GA)

On XXXX XXXX, I called the company and wanted to close the account. They said I had to pay the {$6.00} monthly fee. I argued that it was the beginning of the month and I wasn't going to use the charge card anymore. This was exactly the reason why I wanted to close the account because of the monthly and annual fees. The account has no current outstanding balance due, is in good standing and has been paid on time every month ( including monthly and annual fees ) since opening the account in XX/XX/2019. If I have to pay the monthly fee, then I will never be able to close the account because the fee is charged the first of each month and the account will always have a balance due because of the monthly fee.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letters to the XXXX XXXX last XX/XX/2022 to delete the inaccurate and unverified account on my credit report until now they are not deleting the accounts that i listed on my letters it has been more than 30 days and it's a violation..
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX a string of unauthorized purchases started showing up on my PayPal. It was for a total of {$400.00}. It was sent to a card I DID NOT AUTHORIZED TO BE ADDED AND DO NOT OWN! This was my rent money! I noticed today ( the XXXX of XXXX ) when I went to pull my money and it was gone. I am in jeopardy of homelessness. 

I contacted PayPal over 4 ( 8 if you count the hang ups and 2+ hour waits ) times just to find out each rep did not leave notes. The first rep I talked to told me that I had unauthorized use in XXXX and XXXX, two places I've never been and that someone would reach out within 10 days. I INSTEAD got an email XXXX minutes after opening my claim that my claim was denied. I called 3 more times to explain I need help filing an appeal and I was hung up on, ignored, and told that I would be out in with a supervisor just to be put on a hold for over an hour. I'm dumbfounded on their customer service. This is hard earned money I worked for! Stolen! And nobody wants to help! Please help! Case opened : XXXX Multiple transactions to an account ending in XXXX I DONT HAVE AN ACCOUNT ENDING IN XXXX!
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have previously sent a letter to XXXX, XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2023-06-07
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Amazon Credit Card : I have used and been a member of this institution since XXXX. I have always been in good standing with XXXX delinquencies. Recently I agreed to a {$10000.00} balance transfer with available credit with a 4 % transfer fee. The issue arose with misleading information regarding subsequent purchases using this card including but not limited to automatic charges to Amazon and other vendors. Per conversations with XXXX customer associates had ( XX/XX/XXXX Aprox ). As well as XX/XX/XXXX As I can try to explain what they said is : Following balance transfers any purchases following a balance transfer, interest on purchases are immediate, and do not have the statement period to pay off. ie Use the card today to buy something interest is being charged immediately. I would not have agreed to such erroneous terms. I received a letter that is even confusing which it states you loose the intersect free period for new purchases, the way that it was worded appears to mean the promotional 0.00 % that was for the balance transfer, not the normally expected statement period. Which is not interest free as it is compounding daily and failure to completely pay the full amount at statements end will result in all compounded interest to be applied.
Consumer complaint received 2022-11-09
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. (PA)

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 2022-11-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00},
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.