davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The below account has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX { {$310000.00} ) } XX/XX/2023 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, i was notified that an external account had been linked to my checking account. As this was not my doing, I immediately called Chase to inform them that this action was not performed by me and that I believed my account had been compromised. They stated they would begin an investigation. I have documentation from Chase stating as such. 

On XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$240.00}, XXXX for {$240.00} ) XX/XX/XXXX ( XXXX transactions XXXX for {$490.00}, XXXX for {$490.00} ) XX/XX/XXXX ( XXXX transaction for {$490.00} ) Money was transferred to that same external account. 

I disputed these charges, as they were not authorized by me on XX/XX/XXXX. I was told they would investigate and also have documentation stating as such. They informed me that those transfers had been completed from my mobile banking app and that account repair was necessary to secure my account. They at that time removed the external accounts access to my funds. 

Funds were returned to my account the next morning, with a letter that the funds were temporarily given back while they completed their investigation. 

On XX/XX/XXXX, Chase denied my dispute, stating that the charges were authorized. After contacting chase, an appeal was filed. 

XX/XX/XXXX, Chase again denied my appeal and the case was closed. 

These transactions were to an account that I had expressed was not me, Chase told me they were looking into it, and still allowed that account to take the money, then proceeded to deny my dispute for these charges.
Consumer complaint received 2023-03-16
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: Atlanticus Services Corporation (PA)

In accordance with the fair credit Reporting act XXXX Account # 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
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. 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 DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MD)

I received an email stating that my account status changed and moving forward I would be charged fees which I have not been charged in the past. I called Citi and they reviewed my account and said that my account activity qualifies me for a waiver of the fees. I asked for written proof of this and the representative told me that I couldn't receive written confirmation, but to " rest assured that if I am charged a fee the fee will be removed and credited immediately. '' I asked to speak with a supervisor and I was placed on hold, then the call was disconnected.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (FL)

Loan terms Dispute : On XX/XX/year>, I visited Raymour & Flanigan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I spoke with a sales assistant named XXXX XXXX. During our conversation, XXXX XXXX assured me that I would not be required to make any payments for XXXX months on my furniture purchase. Based on that I bought additional items. 
However, XXXX months later, I received a communication from TD Bank stating that I was behind on monthly payments, resulting in finance fees and overdue payment charges. On top of the {$10000.00} for the items I bought. I asked why I had received no bills for XXXX  months. 

Address Discrepancy : The TD Bank representative said that they had sent out bills to XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. I have not lived there for more than XXXX years and did not give that address to the Raymore Flanigan Sales Representative. I used my XXXX  drivers license as proof of my ID and provided the address on my XXXX XXXX license to XXXX XXXX during the purchase process. 
My current address, as reflected on my XXXX drivers license, is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I provided this address and my XXXX  XXXX license to XXXX XXXX during the purchase process. As well as the address that the furniture was delivered to, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX. 
Conclusion : I value transparency and consumer rights, especially in the case of such a large sum of money and I concluded that this is some type of coordinated organized effort involving a coordinated scheme to obtain a profit through an illegal activity. 
This misrepresentation of the terms of the loan and the false investigation by TD Bank constitutes an unfair practice and a misrepresentation of practices, I trust that your office will take appropriate action to rectify the situation. 
Thank you for your attention to this matter, and I look forward to your prompt response.
Consumer complaint received 2022-11-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to XXXX, XXXX, and Transition numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have sent debt verification letters to all 3 credit bureau as well as company chase XXXX. I have never received them I only got the bureaus to update and very that the company is telling the truth. In which I question because this company is reporting inaccurate payment and late payments historys on experian it say I was XXXX days past due in XXXX and XXXX as well as XXXX and XXXX in the year of XXXX. On equitable it is alleging that I was late on my payments by XXXX days in the month of XXXX and XXXX days past due in XXXX which leads me to ask exactly who is they being honest about my history to?. In XXXX, XXXX and XXXX of XXXX it is reporting to XXXX that in all 3 months I was XXXX  days past due how is that even possible, to XXXX it has no data at all available. This company has been very untruthful violating my right to an accurate and fair credit report. I asked them for my XXXX form and the copy showing the car was sold in auction and was told they can not provide that to me. This company also failed to update the charge off balance in which they sold this vehicle for over {$2400.00} before charging this account off dropping the original charge off balance of {$7700.00} I would like for this to be removed off my credit report as it is untruthful, inaccurate and damaging to my credit and XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LOBEL FINANCIAL CORPORATION (AZ)

I purchase a vehicle 8 years ago and 2 days later it broke down, I returned the vehicle back to the second hand dealership and they gave me back my deposit. Now, a lawyer for their finance department which is Lobel Financing is garnishing my paycheck of {$290.00} every pay check. I am single mother and my rent is {$1900.00}, this has caused me to be short on my rent each month. My children are young and I am not able to get a second job nor can I afford a babysitter. Please help.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting agency and its reporting creditor violate morphing or duplicating negative credit information on an account that does not belong to the consumer. Moreover, the credit reporting agency and reporting creditor have failed to furnish the consumer requested document ( s ) signed and dated by the consumer to validate the listed information on the consumer credit file not belonging to the consumer. Additionally, it has failed to delete the inaccurate, incomplete, and unverifiable information within 30 days of receiving initial notice of the consumers dispute. Furthermore, the credit reporting agency has failed to notify the consumer when it supplies negative credit information to a credit reporting agency. Consumers rights have been violated. inaccurate, incomplete, or unverifiable information must be removed within 30 days from the initial date of this complaint. 

Moreover, the credit reporting agency sent a letter falsely stating that it found no such history of the reported XXXX XXXX XXXX collection account being reported on my account. It is being reflected via one of my credit accounts ' XXXX  reporting service online.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX or XXXX, I discovered I could no longer download transactions from my accounts at Citibank or log into the online system. Upon contacting them, they claimed that they had detected malware 3 weeks earlier, and the automatic system had locked me out of online access. I was never contacted ; while they had an old physical mailing address and phone number, they also had a current and active cell phone which was never used ( This is problem 1 ). They said they needed to send a new ATM card, which they overnighted to me. When I received it on XX/XX/XXXX, I activated it online ; that afternoon around XXXX I went to withdraw cash. At that point, I found that access to my main savings account had been locked. I called them, and was told that the department with the power to unlock that ( the malware department ) only was available XXXX M-F and I would need to call back the next morning ( Problem number two ). The next morning, I called and got the account unlocked, and began the process of recreating my online access. I was unable to create an account for online banking ; the customer service rep said that this was " an ongoing issue with creating accounts '' which had been around for over 2 weeks, with no updated information, workaround, or estimated time of recovery ( Problem number 3 ). I ultimately was able to recreate my account access by creating a new account for a credit card I have with Citibank and linking the bank accounts. This resolved access for a short while ; yesterday ( XX/XX/XXXX ) I went to withdraw cache to find that my savings account was AGAIN locked ; the representatives at the branch had no power to correct this, and I again need to contact the malware department ( problem 2 again ), although my online access is still active. As of the current time, I am still locked out of my main savings account.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 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 update these 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
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MA)

I was gifted this prepaid card by XXXX XXXX on XX/XX/XXXX as compensation for a flight problem. It expired yesterday XX/XX/XXXX. Expiration XX/XX/XXXX. I asked the company-myprepaidcenter.com to reissue and they will not. I was told that in MA, I have 7 years to use the card. It's been 6 months.
Consumer complaint received 2022-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.
Consumer complaint received 2023-07-07
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. (FL)

The following account/inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX ; Inquiries : XXXX Inquiry Date XX/XX/2022 and XXXX XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year>, I sent an e-mail to TransUnion with copies of documents that they requested in .PDF format, encrypted in a 7zip compressed file ( with instructions about how to access the documents )- so that they would unlock my user account. 

The account had been locked in a previous year, because Trans Union had erroneously allowed someone to sign up for a user account with access to my account. 

I received a response from a TransUnion rep requesting that I send them the information again, in a plain unencrypted e-mail. 

Despite several requests from me after that, they did not respond to a request for a method to send them the personal identifying information in an encrypted fashion.
Consumer complaint received 2023-09-07
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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