davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I recently bought Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is XXXX XXXX XXXX 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work XXXX This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} XXXX shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have filed a complaint previously ( last month ) with this organization about my concern that Transunion is consistently lowering my credit score up to XXXX points less than XXXX or XXXX credit reporting agencies. I have ask that you investigate this situation because I am sure that it is also happening with other people. There is no reason for Transunion to lower my score by XXXX points less than the other two. No explanation was given for this problem and CFPB closed the case, without any explanation from the company. 

I would like to hear an explanation. This is damaging to my credit and that of many other people I'm sure. Are they getting paid to do this for the purpose of lowering scores so that institutions can change more interest? This is seriously wrong.
Consumer complaint received 2023-02-12
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. (UT)

Please see attached. I got this recently from Equifax. I have no clue what they are referring to as they've dealt with my account before. The address is listed in their system therefore there shouldn't be any issues. I'm refusing to submit any additional information to them. I have no idea what this is even in reference to. If they're trying to stall or delay that will only add to the law suit I'm building up to against them. They need to explain why this was sent to me. I think they're trying to stall any efforts of my getting them to fix ANY mistakes they knowingly and willingly created! We all know they work for corporations not consumers, therefore they frequently make mistakes, refuse to correct them, lie about my disputes, extend the dates of last contact to prevent removal of an item in a timely manner and try to give creditors the impression I'm " cleaning '' up my credit. Basically I am but not for the reasons they lie about. They made mistakes and I want them corrected. I am not asking too much but I will if I am forced to go to court. Their choice, they either explain this garbage they sent or do what I asked them to do in the first place - fix the problems.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been disputing this account XXXX/XXXX XXXX several times only to recieve a letter that there information on my credit report is accurate. I have sent proof over and over where it shows inaccuracy with address. I have no knowledge of this account and this account is hurting my credit scores.I have been trying to build my credit in hopes to purchase or even rent a bigger home for my kids and I. This account keeps my score down. I have the papers that was sent to me by the creditor them selfs and it shows inaccuracy. I just want this off my credit report please
Consumer complaint received 2023-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

Hello, Ive mailed letters to XXXX, XXXX, & Experian in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  you furnished alleged transaction ( s ) on my Experian, XXXX, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( XXXX ) you have listed as late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (DC)

PNC prevents linking customer accounts to online financial services accounts. This prohibits PNC customers to be able to do online transfers through third-party providers such as XXXX. PNC customers should have the right to these services like any other XXXX XXXX   customers.
Consumer complaint received 2023-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

It has come to my attention that both Capital One and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both CapitalOne and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by CapitalOne, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both CapitalOne and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2023-02-14
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. (DC)

I called the XXXX credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX XXXX 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 2023-02-12
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. (MD)

Equifax, XXXX and XXXX are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America ( BoA ) is wrongfully refusing to process a " return protection '' claim for a purchase made with my Premium Rewards credit card. BoA advertised this type of card as having " return protection '' when I opened the account in XXXX and, as of XX/XX/XXXX, continues to do so. In addition, I had no trouble using the " return protection '' benefit on this account in the past and have not received any notices from the bank that it would change in a way that affects the " return protection '' benefit. 

I attempted to file a new " return protection '' claim this week but have been unable to do so. It's not clear why. The four BoA representatives I spoke with each said that I would need to ask its benefit administrator, XXXX XXXX XXXX  ( XXXX ). Yet XXXX says that the card does not have " return protection. '' XXXX also said that it contacted the BoA this week and that BoA confirmed that the card does not have " return protection. '' I have spent hours on calls going in circles with BoA and XXXX and reached a dead end. On these calls, the two entities have provided inconsistent and contradictory information. For example, multiple BoA representatives said my card does, in fact, still have " return protection '' and confirmed that no " change in terms '' notices were sent that would affect this. One of these representatives also promised to email me a copy of my card 's current terms but did not do so. XXXX says that it relies on BoA for information and that any concerns must be addressed by the bank. The bank, meanwhile, says that only XXXX can address benefit issues ( XXXX, a manager at BoA, both refused to help and said the matter couldn't be escalated further ).
Consumer complaint received 2023-06-12
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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.
Consumer complaint received 2023-01-18
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act XXXX Account Comenity CapitalXXXX XXXX end, violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, or report amounts once the account has been closed arbitrarily.

15 USC 1666B : A credit card account under an end consumer credit plan as late for such purpose
Consumer complaint received 2023-01-18
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. (CA)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX {$410.00}
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

I was charged {$150.00} for items I never received. I contacted the merchant numerous times since the date of the charge for updates on the shipping. Items were never shipped and the merchant has ceased responding to emails. I disputed the charge with Chase and sent Chase all of my email correspondence with the merchant to to show that I had been diligent in communicating with the merchant before resorting to a charge dispute. Chase refused to refund the charge because too much time had passed since the charge. I believe this was an intentional scam on the merchant 's part and have filed a complaint against the merchant as well. Chase is failing to offer decent consumer protection by refusing to refund my account. I believe their policy is ineffective at helping consumers recover money from scams and they are only helping perpetuate similar scams. Chase 's policy of allowing only a small window of time to pass before refusing a refund is built into the scammer 's model. The scammer continues to confirm that items will be shipped in order to make it past the dispute/refund window, effectively making Chase 's XXXX part of the scam.
Consumer complaint received 2023-11-29
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. (MD)

on XX/XX/2023 I sent a certified letter to Experian, XXXX, and XXXX credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. Experian, XXXX and XXXX failed to provide the requested information.
Consumer complaint received 2020-01-17
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: EQUIFAX, INC. (NY)

XXXX, XXXX, and Equifax have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WY)

On XX/XX/2022, I sent a certified request to all 3 bureaus to remove old or inaccurate information ( certified number XXXX XXXX XXXX XXXX XXXX ) I did not get a response. On XX/XX/2022 I sent a failure to respond to deletion/correction letter and have still not obtained a response.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!
Consumer complaint received 2023-01-18
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 COMPANY IS IN VIOLATION OF 15 USC 1681N. THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}