davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

On XX/XX/XXXX, I made a payment of {$330.00} for an application and administrative fee for XXXXXXXX XXXX  apartments. The next day, I called to check the status and later on they told me that the unit was unavailable and that they would refund me the money. After attempting to reach them several times and not being able to speak to someone, I even reached out to the merchant where I made the payment at and they tried but it wasn't successful. I finally got in touch with someone at the complex and they said they didn't know how long it would take, so I decided to dispute the transaction in hopes to get money back. On XX/XX/XXXX, I was given a provisional credit. Once investigation was completed, I was informed that they would be debiting the money back from my account because it was closed and that they couldn't do anything. After awhile I gave up but then I thought about how hard I work and decided to file another dispute on XX/XX/XXXX to find out why I haven't received my money yet and it was closed on the XX/XX/XXXX with the same resolution. I was able to speak to someone at the apartment complex and they said that the money was released and there wasn't anything that they could do. I called the card company several times and they keep telling me that I have wait up to 10 days in order to receive an email so that I can schedule a call from the dispute department. They told me that they don't have direct contact with the dispute department, which is ridiculous. I just don't understand what is the issue and why I can't get back what's owed to me.
Consumer complaint received 2024-03-22
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (CA)

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00}
Consumer complaint received 2023-03-02
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. (CA)

This is my fourth 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 XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance - XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear Truist Bank, I hope this message finds you well. I am writing to request a refund of {$80.00} that was charged to my checking account yesterday. As a dedicated member of your institution, I have always trusted in your commitment to providing exceptional service. 

Unfortunately, I recently experienced some unexpected and difficult circumstances related to my father 's health. As a result, I was not aware that the assistance I received would come at a cost, and I can not afford the additional fee at this time. I am barely able to stay afloat financially, as I am constantly traveling back and forth to the hospital and trying to provide for my XXXX young boys. 

I am deeply saddened by the way I was treated over the phone by supervisor. They were not understanding of my situation and made me feel humiliated for asking for help. I understand that mistakes can happen, and I am hoping that you can find it in your hearts to assist me during this difficult time. 

I appreciate your understanding and look forward to resolving this situation as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
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. (GA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$55000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consolidated Credit Solutions, Inc. (GA)

XXXX  XXXX accepted into a debt management program. Consolidated credit solutions payments are made through consolidated credit solutions capital one shows account current every month through app as consolidated credit solutions is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX continuously reports late on credit see screenshot attached.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-02-10
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: SANTANDER HOLDINGS USA, INC. (SC)

Ive been trying to purchase a home and purchase a vehicle but my consumer rights have been tremendously violated by several collection companies listed below as well as the 3 major credit bureau ( XXXX, XXXX, and XXXX ). Which have violated federal laws while being knowledgeable of these violations. 

These companies are reporting fraudulent inaccurate information on my credit report. According to 15 USC 1681g, 15 USC 1681 ( a ) ( 4 ) and also 15 USC 1681 there should not be any damages on my report. These companies are all in Violation of my rights and its a defamation of my character. I have requested some creditors to provide the purchase agreement to show full ownership of an account and also any other documents and proof of chain of title. 

XXXX XXXX XXXX Account XXXX XXXX Balance {$430.00} reporting due as XX/XX/year> They are not the Original creditor The original creditor would be ( XXXX  ). 

XXXX XXXX XXXX Account # XXXX Balance {$420.00} reporting due as of XX/XX/year> They are not the Original creditor The original creditor would be ( XXXX XXXX XXXX ). 

XXXX XXXX Account # XXXX Balance {$1300.00} reporting due as of XX/XX/year> when the account was charged off XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be also in violation of consumer laws. 

XXXX XXXX Account # XXXX Account is reporting closed and is a violation of my rights. 

XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be which is in violation. 

XXXX XXXX XXXX XXXX Account # XXXX Balance of ( {$4700.00} ) is reporting due when this account was charged off at ( {$8800.00} ) and written off at ( {$4700.00} ). 1099-C Identifiable Event Code Event code 7 ( states a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel debt ).
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN, I AM WRITING TO UPDATE/CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 
PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. 


SINCERELY, XXXX XXXX
Consumer complaint received 2023-03-02
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. (IN)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Laws : 15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2021-01-05
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. (LA)

I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-02-08
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. (CT)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-03-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (CA)

I discovered that one account still on my credit report was incorrect when I reviewed it. Validate the account that still reporting misleadingly to my file XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2023-03-02
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. (OH)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This collection been on my credit report for over XXXX years now and we came to a settlement. I paid the settlement and it still havent been removed from my credit report. I called multiple times they said it was nothing they could do about it. Dates and late payments are wrong!
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Valentine and Kebartas, Inc. (FL)

XXXX XXXX XXXX sent Valentine and Kebatas at XXXX XXXX, XXXX XXXX. to threaten to take away my SSI benefits but I only get {$520.00} a month and XXXX from an accident and in XXXX XXXX on XXXX XXXX after two XXXX  both XXXX  and XXXX. My last XXXX  was XXXX and I am still not healed from that one. I read that SSI can not be garnished but they are persisting at XXXX XXXX XXXX calling me day and night threatening to sue me and garnish my SSI.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Following unauthorized charges to my Chase XXXX XXXX XXXX by scammers : XXXX. XXXX XXXX XXXX WA XX/XX/XXXX- {$14.00} XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$11.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- {$11.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- {$5.00} On XXXX XXXX noticed that the account balance has gone below {$2000.00}. While looking into what happened found out these unknown charges. This Debit Card was never been used in last 4 years. Always stored at a secured locked place. 

Reported it online and called the Chase fraud number. They refunded only {$5.00} for item # XXXX but refused to return other transactions. I called the merchant at the XXXX number listed above. It appeared to be an XXXX support center. Provided the transaction number and last XXXX digits of the debit card but they could not find any of the transactions on their records. They also mentioned that the transaction number format for item # XXXX does not match their format. 

Later while doing online search learnt that this XXXX number is not XXXX. It is a scammer pretending to be XXXX. Checked with XXXX through online chat support and their XXXX customer support number and aslo called XXXX fraud number. Both XXXX and XXXX have no records of this merchant at XXXX number or these transactions. I reported this to Chase. Visited local branch, talked to Chase escalation department and also customer support through secure email. So far they have refused to honor the XXXX day Zero Liability agreement and refund the money for XX/XX/XXXX and XXXX. Also refused provide any further details : XXXX. How was the debit card information leaked and used? 
XXXX Who is the merchant since XXXX XXXX in the transaction denies those charges? 
XXXX. Why did Chase fail to detect these frauds? Simple search on the internet shows these frauds have been going on at least since XXXX. 
XXXX. Why can't Chase work with XXXX to reverse these charges occurred in XXXX? 

No answer received and no refund for the XXXX transactions on XXXX which was reported on XX/XX/XXXX, well within the XXXX days as per the XXXX liability agreement. The issue is I am not the only XXXX. Maybe thousands or could be millions have been the victims of this scam. Reporting this to ensure that Chase should stop blaming customers for its failures to protect the data and money. Justice should be served.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmerAssist A/R Solutions, Inc. (TX)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.