davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
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. (SC)

Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable.

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-22
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 account below : XXXX XXXX Balance : {$730.00}
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (VA)

On XX/XX/2021, I was not provided a separate sheet explaining my financing charges, nor do I have a copy in my documents that I left with from the dealership. 15 U.S. Code 1605. Along with the code it states that a down payment is not required for purchase, for cause that " consumer credit transaction shall be determined as the sum of all charges ''. 

I went to get my tires rotated and oil change and told that dealer about the extended noise by XXXX ' blind side window signal, extended on average 40 seconds longer than normal, after the time vehicle or Indvidual passed. Also, the standard price for a XXXX  XXXX XXXX XXXX was {$23000.00}, they over charged me. The price for the vehicle was {$25000.00}. Excluding tax title and license. When I specifically asked for a standard automobile.
Consumer complaint received 2023-02-08
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. (FL)

This is unacceptable and Transunion needs to be shut down!! 

I am a victim of Identity Theft as my Social Security number was found linked to another name and address and my info has been found in numerous data breaches that began in XX/XX/2022 and is still ongoing. 

I have REPEATEDLY sent in all documents requested, with official FTC reports and police reports, and specially noting the error on my report- they have XXXX  refused to delete XXXX hard inquiries that I did not authorize that were directly related to the Identity Theft. 
I have requested these be removed by mail, by phone, and XXXX previous CFPB complaints that were filed on XXXX, XXXX, XXXX, XXXX with XXXX in XXXX Department, on XXXX when XXXX in XXXX Department XXXX  hung up on me as i was explaining again Identity Theft victim, and XXXX with XXXX XXXX XXXX Department. 
THIS IS XXXX  TIMES I MADE THIS REQUEST AND TRANSUNION XXXX  REFUSED IT EVERY TIME AS I ALSO PROVIDED REQUESTED DOCUMENTATION EACH TIME. 

I am once again including the XXXX FTC Identity Theft Affidavit for your convenience. I am making XXXX last attempt to allow TransUnion to correct my credit file before I begin contacting the Attorney General offie and legal counsel as this incorrect information is affecting me obtaining residence. 

There are XXXX hard inquiries on my Transunion Credit Report with File Number XXXX that I pulled today on XXXX that need to be immediately removed as I did not authorize either of these are listed below : XXXX ) XXXXXXXX  REQUESTED XXXX XXXX XXXX ) XXXX XXXX via XXXX BANK REQUESTED ON XXXX Please mail an updated copy of my credit report to my mailing address on file.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable. 

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MN)

XXXX, Equifax , and XXXX have dropped my credit score after entering into a debt management plan to repay what I owe. These agencies have rate my credit as poor after XXXX XXXX has written off my debt as bad debt, but I still continue to make payments on my account and have never been late. I am asking the credit agencies to remove it as bad debt since I am making payments and never have been late to raise my credit score. I finally have identified a critical mass of people in the same situation to purse this legally ( with the assistance of a law firm willing to move forward ), but i was asked to pursue this avenue first.
Consumer complaint received 2022-11-22
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 2023-06-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

I recently received a check from Wells Fargo apologizing for wrongdoings for XXXX ( XXXX ). This is off to me considering if they did any wrong doing then why did they take all my account funds from me and not return all just {$150.00}. They suspected a fraudulent transaction and seized all funds in account over ( 1000 ) and made another XXXX deposit the day before! I cant seem to get any explanation from anyone at all. Please help
Consumer complaint received 2023-03-03
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against my credit card company for incorrectly handling a dispute regarding hotel charges. Below is a summary of the events leading to the dispute and the issue with the credit card companys response : XXXX. Initial Hotel Booking Issue : I was incorrectly charged for an additional night by a hotel. Despite my attempts to resolve the issue directly with the hotel, they refused to refund the extra charge. 
XXXX. Dispute Filed : On XX/XX/XXXX, I filed a dispute with my credit card company regarding the additional nights charge, which was made without my consent. 
XXXX. Dispute Denied : The credit card company denied my dispute within hours of making the dispute, citing a cancellation policy and stating there was no record of me canceling. This is confusing and irrelevant to my claim, as my dispute concerns being charged for a night I did not authorize, not a cancellation. 
XXXX. Lack of Proper Investigation : The denial suggests that the credit card company did not adequately investigate the circumstances surrounding the hotels incorrect charge. There was no need for a cancellation, as my issue was with being incorrectly charged for an extra night I did not book. 

This incorrect handling of my dispute has not only left me unfairly out of pocket but also questions the efficacy of the dispute resolution process provided by my credit card company. I seek the CFPBs assistance to investigate this matter and to ensure that a fair and just resolution is reached. 

Thank you for your attention to this issue.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, TX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-12-02
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. (FL)

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

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

15 U.S.C 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 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

On XX/XX/XXXX, my cell phone was stolen from me. The party that stole my phone was able to bypass the security that I had in place on my phone, and used my Chime account to transfer themselves {$4800.00} in three separate transaction in XXXX minutes ( 2 to a XXXX XXXX XXXX for XXXX and XXXX dollars, and another to a XXXX XXXX XXXX for XXXX dollars ). This is felony theft by Colorado law. 

As soon as I realized that the theft had a occurred, I contacted Chime to report the theft. They mailed me a new debit and credit card, and opened disputes on the transfer. I let them know that I would send them a copy of my police report, as well as a receipt for the new phone that I had to order through my insurance. Less than XXXX hours later, Chime closed the dispute and said it did not have merit without allowing me time to even send a police report to them. 

I had to call them to reopen the dispute, and on XX/XX/XXXX, they reopened it. On the XXXX, I emailed them copies of my XXXX claim for my phone proving I had to order a new device and filed a theft claim. The police finally called me to collect my report on XX/XX/XXXX as well,. I requested a copy of the report as soon as it was available, which I sent to them on the XXXX via email. On XX/XX/XXXX, they finally issued a provisional credit to my account in the amount XXXX dollars. Finally, on XX/XX/XXXX ( today ), they sent me an email informing me that the credit would be revoked and that they found there was 'no error '. 

I have provided ample proof that the transfers were theft. I filed a police report, I sent them proof that I had to order a new phone, I changed my chime password, and moved my account to a different device, I've never sent money to those people before ( in the 4 years that I've had an account, I've only ever sent money to my partner through their transfer service ) and have never sent anyone that amount of money at a time. One of the payments was for 'car down payment ', and I do not own a car. The other payment was for 'rent ', but I had already paid my rent and it was more than twice the amount that I pay.
Consumer complaint received 2022-09-10
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-22
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)

Received an investigative report from Transunion dated XX/XX/XXXX file number XXXX that the item of bankruptcy by the XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas was deleted from my credit report. To this date the item still appears on my credit report. I have a copy of the Transunion final investigative report. I am still filing disputes with Transunion to honor their report but to no avail. Believe that they want to punish me. I explained & provided Transunion a copy of Court Order dismissing the item. I never participated in bankruptcy proceedings not a single payment was ever made. Court dismissed the case. 

XXXX deleted the report on XX/XX/XXXX after I filed a dispute. I have filed disputes monthly with XXXX who refuses to delete the item.
Consumer complaint received 2024-04-28
Product: Credit 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: CITIBANK, N.A. (NC)

On XX/XX/XXXX, XXXX XXXX out of XXXX  XXXX, XXXX took photographs of our department and individuals pre-paid for portraits and yearbooks. I purchased a yearbook on XX/XX/XXXX in the amount of {$52.00} that was charged to my Citi Visa card. 

I along with several others have contacted XXXX and they continue to change the date as to when we will receive the books. I filed a dispute with my credit card company and they said they would issue me the credit, but now state that the charge is more than 6 months old and they can not help. 

I called XXXX once again on XX/XX/XXXX and requested a refund. I was told that they would call me back by Wednesday, XX/XX/XXXX and I still have not heard from anyone.
Consumer complaint received 2022-11-21
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NH)

I have accounts at Ally Bank. 
On XX/XX/2023 I attempted to create online access to my account at Ally Bank but the system revealed that some other individual has already created online access for my account tied to an unknown phone number. 
I called Ally Bank and they refused to authenticate me and grant me access to my account. They claimed a Specialist will call me. They refused to tell me what number the Specialist will call me at, whether it is my actual phone number or the unknown phone number of the some other individual who is not me who has already tied up online access to my account. 
I demand access to my account.
Consumer complaint received 2023-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party Portfolio Recovery Associates 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 instruction
Consumer complaint received 2024-04-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

Bought {$200.00} Amex gift card. XX/XX/2024. 

He tired multiple online stores and none of them worked. 

I called they said the issue was fixed. It wasnt called again. Same issue. Then manager hung up on me next time.