davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-09-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NC)

I created a payment plan with XXXX for an online purchase ( a XXXX retail credit card through Fortiva was opened ) Id elected to have text notifications about my bill/account status and for the entire year of payment communicated with fortiva via text. 

I was notified by my credit monitoring application, soon after paying the final requested payment to fortiva, that a new account had opened. 

I contacted the company and spoke with management who stated that because I was eligible a separate account was opened for {$1000.00} with fortiva directly. They did NOT contact me via text/phone and I did NOT consent to them using my ssn to open ANYTHING!! I have given the company multiple days to correct this until today I asked via chat to have the account closed!
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I made an electronic payment on XXXX from my Chase checking account to my insurance company in the amount of {$1100.00}. It was supposed to be an electronic transfer direct to the insurance company with delivery on XXXX. Unbeknownst to me, Chase contacted the insurance company and asked them whether they preferred an electronic transfer or a mailed check. The insurance company choose the check option. This option meant my payment would not be received until XX/XX/XXXX ( 2 days after my payment was due ). Today ( XX/XX/XXXX ) I received a cancellation notice on my insurance. 

I immediately contacted Chase and was told the above story and was also told that although my proof of payment now says the check would be received by the XXXX that my check was actually mailed out today ( XX/XX/XXXX). 

I believe Chase should inform customers when there is a change in method of payment. I also think that when they make these changes that the payment should be made immediately. Not 11 days after my request. By the way, they withdrew the money from my account on the XXXX.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2023-05-31
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 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.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. (FL)

There are addresses that are inaccurate in my file. Kindly remove them right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.
Consumer complaint received 2020-02-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc. (MD)

On Thursday, XX/XX/2020, I got a call at XXXX XXXX  from a number I did not recognize ( XXXX ) XXXX. When I answered the phone a male on the other end told me he was calling in regards to an auto loan I had with Santander bank eight plus years ago ... he informed me he was calling to save me from being served with a summons to appear in court about he " thinks '' an XXXX  I had through Santander. I informed him that if he " thinks '' he's calling about an XXXX, then he's not someone I need to speak with. He proceeded to reiterate he'd be serving me with a summons to appear in court, and when I responded, " that's fine '', he responded, " you're an XXXX '' and hung up the phone.
Consumer complaint received 2023-05-31
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. (GA)

To Experian XXXX XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my consumer report from XXXX, Transunion XXXX XXXX and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by Transunion, XXXX or XXXX when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.
Consumer complaint received 2020-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

This is a complaint against AMEX/DSNB. I have been a victim of identity theft for XXXX years and my Equifax credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. 
Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have an XXXX XXXX  card. I did a XXXX dollar balance transfer on the card. I have also used the card for purchases. Each month, I have paid the card down below XXXX taking care of the charges made as well as a little extra. I should not have been charged any interest on XXXX due to that balance transfer and by paying my purchases in full by the due date. Bank of America just informed me that when you have a promotion on the account, you lose your grace period on the purchases. You do not have till the due date to pay those purchases off. They start accruing the day they are made. This is deceptive and though they say its disclosed, it is not understandable to a reasonable customer. There should be buckets. The balance transfer sit and gets paid ast as the highest interest item should be paid. Then purchases, if a balance is left after the due date, should be charged. Not if its paid by the due date. They would not refund my interest charged. Id like someone to look into this so that they can be sanctioned by this deceitful practice.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CONST LLC (WA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX is a peer-to-peer lending platform that connects lenders and borrowers. The borrower provides a collateral as security in exchange for the loan by the lender, which covers the lender in case of a borrower default. The platform claims that all fixed-term loans are over-collateralized by cryptocurrencies anywhere between XXXX % and thus the lender is secure. 

On XX/XX/, XXXX paused all withdrawals of monies owed to lenders on the platform citing market turbulence and liquidity issues, without any warning. XXXX is now offering to only partially refund secured lenders after advertising such loans were fully secured by crypto collateral. In fact, some of loans on the platform have matured already, and they are neither returning the lenders ' loan monies nor the borrowers collateral. These loans are a contractual relationship between the lender and the borrower and the platform is committing fraud and theft by illegally holding on to user funds without our consent. 

As further evidence of dishonesty, they have deleted/removed their blog posts of information pertaining to their secured loan products and their support channels have largely been taken down, and the only remaining support channel - email support is vague and unhelpful in addressing this serious issue. This raises a reasonable suspicion of probable fraud and foul play behind the scenes within the company that involves misuse of customer funds. 


Persons/Businesses involved : XXXX XXXX XXXX XXXX XXXX/ ), legal name is CONST LLC ( California XXXX XXXX XXXX : XXXX ). 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX. 

The business is run principally by XXXX XXXX ( Founder ) and XXXX " XXXX '' XXXX ( XXXX ). 

XXXX XXXX has another business named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 at XXXX XXXX I called Equifax XXXX XXXX ) XXXX about incorrect inquiries on my report. Once on the phone I notified the customer service rep of my concerns and he placed me on hold. He then disconnected the call without explanation. I am confused and time has been wasted. I was also a part of the data breach and was affected negatively. I was denied credit, housing, and higher interest rates.
Consumer complaint received 2022-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

After designing then deciding to build our families dream home on a lot we purchased my wife and I followed through and closed on a Home Construction Loan XX/XX/2022 with America First Credit Union. Just days later after a FED rate hike interest rates began to soar and the realization that my wife and I most likely would not qualify for a Home Mortgage on the back side of our 12 month build process. We then approached our loan officer about options and we were told to be patent and wait for XXXX to finish a pilot program on a 1 time close construction loan to lock in our interest rate that we could roll into. Weeks later no such program was created so we started negotiations on cancelling the note. 
They insisted on no concessions to be made on their behalf including fees related to construction inspections ( none occurred ) and fees for originating our loan covering a 12 month construction process. A total of {$12000.00} in fees were paid to fund the loan and none were refunded despite trying to negotiate {$7700.00} in forgiveness ( prorated origination fee + inspection fees ). My point to my loan officer was this is a case of services paid for and not provided by their institution and was told simply " it was just the cost of the loan ''. I offered several other reasonable request but all were not even considered. 
Because XXXX would not work with us we were then forced to secure financing through another financial institution to be able to finalize the cancellation of our note with them that occurred on XX/XX/2022. 
I had been banking with XXXX for over 20 years, had multiple car loans with them, and had thought that some kind of compromise would be made given our history, circumstance, and future goals but we found no understanding or support for our situation.