davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (OH)

They sent me a papermail letter with a fake credit card, telling me I was preapproved for a {$2500.00} loans. After going through the online paperwork, they ran my credit score, which put a hard inquiry on my report. My score has dropped as a result. 
Then they gave me the terms of the loan. It was a monthly payment of {$430.00} for 18 months! That is more than 3x the amount of the loan itself! This is a predatory lending company that should be put out of business. 
I want their inquiry removed from my credit score.
Consumer complaint received 2023-08-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2023-03-06
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 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
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX 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 2022-10-16
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. (WI)

TransUnion is reporting four bankruptcy cases on my credit report XXXX and XX/XX/2022. Transunion and XXXX states the information was furnished from Bankruptcy Court State of Wisconsin .I have attached a letter from the Bankruptcy Court stating they do not furnish nor do they verify or validate this information Transunion and XXXX is reporting in this report and I have furnished them and added to this report the information from the Wisconsin Bankruptcy Court stating they do not verify this information. Transunion and XXXX is falsely stating this information on my credit report.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My trip back from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ) was delayed because my daughter got into an accident and hurt her leg badly. We had to delay the trip and hence had to pay the difference in price for the travel back. 

I used Chase Sapphire card for the trip which claim that they have trip delay insurance. In this case, inspite of filing the claim and going back and forth several times with the claims department, my claim was rejected saying it is not a covered benefit.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (SC)

On XX/XX/2023 my account with chime bank got suspended due to not complying with the agreement of opening the account I was told to send documents to verify my identity I sent the documents in multiple times time after time was told by multiple supervisors that the documents I sent in would get the suspension lift so I can access my funds all was a lie when told to close the account and send the funds out the account they refused to do so so I need a lawsuit or something to happen
Consumer complaint received 2023-06-28
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. (UT)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed XXXX XXXX XXXX to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. Experian informed me that the matter was being reported by XXXX. XXXX wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
XXXX requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from  my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with XXXX and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
Consumer complaint received 2022-10-17
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (VA)

On XX/XX/2024 and XX/XX/2024, I made two purchases totaling {$2400.00} from XXXX using my XXXX Card offered through the Exchange Credit Program ( XXXX ). I found that on XX/XX/2024, I had been charged {$20.00} in interest on the purchases that I had made less than ten days prior. When I called to inquire as to why I had been charged this interest, I was told that I had been enrolled in the pay-your-way program and that I was charged monthly interest at 9.99 % per month. I informed the customer service that I had never intended to sign-up for any payment option and that I would be paying-off my card balance prior to the due date and to remove me from the payment plan that I had never wanted to enroll in. I was told that a request for reimbursement would be submitted on my behalf and that I should pay off the charges that I had incurred on my purchase. On XX/XX/2024, I paid off my purchase balance in full, prior to the due date of XX/XX/2024. Upon receiving my statement for XXXX, I found that the interest charge of {$20.00} had not been removed from my card, and that I had been charged another {$19.00} for interest on the unpaid {$20.00}. I called customer service again to have the interest charges removed, as my balance had been paid in full. Customer service agreed to remove the {$19.00} that I had been charged, but refused to remove the {$20.00} from my account. The reason that they provided was that I paid after the due date, which was untrue ; my payment in full was made on XX/XX/2024, and the due date was XX/XX/2024. I was told by customer service that I would have to send a written email to XXXX to request a review of my situation and to have the interest charges waived. I sent my email on XX/XX/2024 to the XXXX XXXX XXXX XXXX at XXXX and expressed my dissatisfaction with the charges that had been applied to my account, that I had never knowingly signed up for any pay-your-way payment plan, and requesting that the fraudulent interest charges of {$20.00} be removed from my account. On XX/XX/2024 I paid the {$20.00} interest charges on my account to avoid being charged further interest and to avoid damage to my XXXX XXXX. On XX/XX/2024 I received an email from XXXX XXXX at XXXX XXXX XXXX informing me that my card balance was {$0.00}. I responded with another email requesting the removal of the interest charge on XX/XX/2024. I also called the number that XXXX XXXX had provided in her email, which was the main customer service number. The customer service representatives that I spoke with informed me that I would not be able to speak with anyone from the XXXX XXXX, as they only respond to email. The customer services representatives told me that there was nothing that they could do for me.
Consumer complaint received 2022-10-17
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. (IL)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$490.00} ; XXXX XXXXXXXX Balance : {$490.00}
Consumer complaint received 2023-02-24
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)

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} 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
Consumer complaint received 2023-02-24
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)

Regardless of the multiple written requests, the inaccurate addresses listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inaccurate addresses below in my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2023-03-01
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: Americas Car-Mart, Inc. (TX)

Colonial Auto Finance is reporting my nonpublic personal information which are credit transactions and my experiences between them. Which is illegal Pursuant to 15 U.S.C 1681a ( 2 ). I am now opting out of your reporting of my nonpublic personal information.

For as the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, nonverbal.
Consumer complaint received 2022-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased a car on XX/XX/XXXX. I've contacted this Capital One so many times pleading for help every time I found out new information about how I was defrauded by XXXX XXXX Mitsubishi dealership. The bank approved this loan with out fact checking the contract. I was also told that this car was new and I was the first owner but that was a lie, but new was on the contract. The dealership made my income on the credit report extremely higher then what it was. I was pre-qualified with the bank before purchase of the car and I've been a customer for many years so they already knew my income. They put a warranty on my contract that I did not ask for nor needed. Also I was with out legal transportation for over a week cause my temporary plates had expired. When I finally get them they are not the handicap plates I was told I was getting. So I had to go to the NJ XXXX to get the correct ones. I was told the contract was going to be canceled out and I'll get all my money back and the dealer will own the car again. It sounded too good to be true so I ask for it in writing but I was told no from dealership. Then last month I was told by the bank that the dealer is posting a payment of {$23000.00} which will pay off the account and was asked do I still want to make my payment I said yes. Then I asked the dealer to send me proof that they are making a payment. They sent me a questionable invoice with capital one name spelled capital once. Then my payment of {$440.00} posted on my due date XX/XX/XXXX. The next day XX/XX/XXXX 2 payments posted totaling {$23000.00} and doesn't say where they came from. My payment was reversed and {$38.00} was taken from it as the last payment. A week later I received a congratulation letter and lien release letter which said I was the owner. On XX/XX/XXXX I received a letter from the bank saying the dealership purchased a retail installment contract from them. I believe this information was withheld on purpose. I'm very horrified, disappointed and distressed by they're conduct towards me.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/23 I disputed account through all three bureaus as they re reporting a debt on credit report that I do not recall having. I disputed this debt asking the bureaus to verify or delete immediately, more than 30 days have passed and I have not heard back. Dispute letter was sent via mail with a certified and return label and seems like all three bureaus got the dispute but decided to not response to it.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OR)

Received notification from the company, Synchrony for the first time. 

NoTransaction date. 
Notice dated XX/XX/XXXX. 
No purchase date indicated. 

We have not purchased anything from them in several years. 

Account number XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/ I disputed account through all three bureaus as they re reporting a debt on credit report that I do not recall having. I disputed this debt asking the bureaus to verify or delete immediately, more than 30 days have passed and I have not heard back. Dispute letter was sent via mail with a certified and return label and seems like all three bureaus got the dispute but decided to not response to it.
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (IL)

I contacted american express at XXXX regarding XXXX gift cards that I received. I have tried to use them at XXXX XXXX to pay a bill and I tried to use it at XXXX which is the service my XXXX XXXX XXXX uses to manage XXXX lunch accounts. The card was declined at both merchants. When I called I was told it was declined because the expiration date was incorrect and I pushed back explaining that I had in fact put in the expiration date correctly. Then the supervisor said maybe the merchant doesn't accept the card and then the supervisor asked if I could use it at a different merchant and I explained that I could not, that I needed to use it a this merchant. 

There is nothing on amex gift card website that informs consumers about not being able to use the card at different merchants. There is nothing that the customer service department does that helps rectify the problem. The consumer is only left to use it at select merchants where the transaction attempted may or may not work.