davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (VA)

The action was take, i called to inform them that i was turning in the car to prevent them from reporting the car repossessed. They informed me to turn it in ut then place it as a repo on my credit and it has has messed up my credit and affecting my job. Need your help, anothet dealership did this to me before and lost and they had to pay me back. Seeking your help with this.
Consumer complaint received 2023-01-16
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. (NY)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
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: EQUIFAX, INC. (CA)

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. 
Account name XXXX : # XXXX, Account name XXXX : # XXXX, Account name XXXX  : XXXX, Account name XXXX : # XXXX Account Name XXXX  # XXXX, Account Name 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 2019-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The inquiries below I didn't authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank
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: Experian Information Solutions Inc. (NJ)

Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

Citi first informed me of three fraudulent charges on my credit card to XXXX XXXX on XX/XX/XXXX in the amounts of {$780.00}, {$770.00}, and {$130.00}. Per that phone call I was led to believe that these charges were flagged and removed from my statement but only a few days later did the charges re-appear. An additional phone call to Citi customer service proved to be unhelpful as the customer service representative was unable to mark those charges as fraud on his end due. I was instructed to mark these charges as fraudulent myself and upon attempting that I was unable to dispute any charges myself. I compared to my wifes account which showed that she was able to dispute any of her recent charges, but my account was not showing the same options.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I signed up for their XXXX XXXX XXXX account bonuses and their system only applied a code that pays a bonus for a XXXX  account. When I first reached out to them about not receiving the bonus for fulfilling the XXXX  account requirements, they stated that the code was only applied to my XXXX  account and that it was too late to add the correct code. I replied with screenshots that confirm that Chase 's site said that it was opening a XXXX  and XXXX  account for me. See image # 1. The promotional code is automatically applied by Chase 's system when the user clicks the link to open the account. You can only click one of three buttons ( checking, savings, or checking and savings ). See image # 0. So, if the screenshot says that it's opening a XXXX XXXX XXXX account and applying the bonus offer, that is the offer that I should have been signed up for. The other screenshot also has a summarization/confirmation of my newly-created account and lists both the checking and savings account offers. See image # 2. I provided these screenshots to Chase and they said that it would take XXXX  business days to get a response. I waited. We're now at XXXX business days and they're asking me to wait up to 7 business days because they have a high volume of complaints. Unfortunately, other people have also had this issue. I've been patient enough. The bonus should have been paid 15 days after I met the requirements and I was patient enough to not contact them immediately after I didn't get my bonus. I believe that I've waited long enough and don't like being told to wait XXXX business days, then to wait another XXXX business days.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

In XXXX of 2016, I canceled my account with XXXX. In XX/XX/XXXX, I was sent a final bill which did not reflect the cell phones which I had returned. I called XXXX customer service and was told they would check with their warranty warehouse to see if the phone was returned. In XX/XX/XXXX, I was contacted by a collection company for XXXX. I told this collection company that I never received a notice from XXXX stating their intent on sending my account into collection and that I was still disputing the final bill. The collection agent made me believe he was working for XXXX billing and paying the bill would mean the account would not show on my credit report so I paid with him. A few weeks later, I received an email from XXXX saying they did receive the phone but could not make any changes to my account since it was sent to collections. I believe XXXX should have sent me a letter stating their intent on sending my account into collections which they did not do. I also believe XXXX should not have sent it to collections while they had an open inquiry for missing equipment.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX the amount of {$23000.00} was wired to our account from the sale of our house. We were informed that we would have our money Monday XXXX  XX/XX/XXXX. Was not there. Call them Monday and was told that we would have it Tuesday. Tuesday  called again was told Wednesday. Wednesday  called again and was told Friday. After spending several hours on the phone with several XXXX XXXX people of the wire transfer dept. We are just getting the run around. This is not right!!!!!!! 

We are in a hardship. WE NEED OUR MONEY! My family is sick, there are some things that I needed to order as soon as our money became available on Monday morning, but that did not happen. Plus we need our money in order to move. 

It is not right that Fifth Third bank is holding on to our money so that they can collect free interest on it for however long they decide to keep it from us. It is our money they have no right to hold onto it. This XXXX that they do must be stopped. We had been informed that when money is wired it is usually available in about 2 hours. Well it has been a full three business days and they are still enjoying keeping our money.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

On XX/XX/2019, I contacted Equifax because I'm applying for a mortgage but the current address has not been updated on my Equifax report. I have lived at this address for 1.5 years and it is correctly listed with the other credit reporting agencies. I was still that they were not able to help me and to fax a copy of my social security card along with my current driver 's license to them. I promptly faxed both along with a cover letter with the reason for the submission being that the address needs to be updated on my Equifax report. I was told that it would 5-7 business days for the information to be updated. On XX/XX/XXXX, I received a notice from Equifax dated XX/XX/XXXX that they received my documents but are not able to update my information because they can not find a current file for me. I called Equifax to try to correct the information but the customer service agent was not able to access the system due to a " system update '' and to call back in 30-60 minutes. I attempted to call again but the system was still unavailable. I tried calling again on XX/XX/XXXX and was told that they were still experiencing a system update. I attempted to call again on XX/XX/XXXX and spoke with a representative. She said that they received the fax but that my social security card is not valid and does not match their records. I requested to speak with a supervisor. The supervisor said that they are experiencing a system update and she can not access my account. I requested another supervisor and she retrieved the documents, attached them to my credit report, and updated my current address manually. She said that it will now be 30 days before the information is reflected on my Equifax report. This call took 45 minutes. Since beginning this process I have spent close to 40 hours on the telephone attempting to have this information updated. Just to speak with a representative each time it takes XXXX in the automated system and I'm often disconnected before speaking with anybody. The solutions offered are nonexistent, repetitive, and often incoherent. I've been told repeatedly that I just need to resubmit the documents or that the documents submitted were invalid. When I've asked to speak to a supervisor, multiple times it has been the same person using a different name. I would just like this information updated in a timely fashion so that I can attempt to buy a home.
Consumer complaint received 2023-01-23
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$250.00}
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

Re : Notice of disputed charge to Account XXXX. XXXX XXXX XXXX XXXX Dear Sir : I am writing to dispute a charge of {$200.00} to my credit account on Chases XX/XX/XXXX statement. The charge is in error because the account was closed in XX/XX/XXXX and paid in full XX/XX/XXXX. Im requesting for the charge plus any interest to be permanently removed. Im also concerned that Chases continuous charges will be reported to the credit bureaus and negatively affect my credit. 

In XXXXXXXX XXXX XXXXXXXX, I received a statement for {$99.00}. In XXXX, I spoke with Chases customer service that transferred me to dispute representative XXXX that transferred me to XXXX, dispute representative. In XXXX, a {$50.00} credit was attached to my account from an overcharge dispute in XXXX XXXX  XXXX, but Chase attached to my account {$49.00}. Since XXXX, interest has been attached to {$49.00} and as of today the charge is {$200.00}. 

In addition to XXXX telephone conversations, a letter was sent disputing the charge and I requested the removal of {$110.00} on XX/XX/XXXX statement. On XX/XX/XXXX, Chase Credit Card Service, Customer Service, XXXX XXXX XXXX XXXX, XXXX, Delaware XXXX, received the letter, USPS, tracking no. XXXX, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Consumer complaint received 2019-12-23
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. (NV)

My business account was XXXX XXXX was charged {$79.00} for overnight freight charges from XXXX XXXX. I called the company to get the full amount that was to be charged and was only quoted {$180.00} which was paid. I disputed the charge with Chase because after calling the merchant they refused to credit the {$79.00} charge. This company XXXX XXXX has a history of doing this and a bunch of negative reviews on how they conduct business. Chase always debits your account and stick with whatever the merchant say even after sending all documentation because they get fees from the charges.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (CA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2019-02-09
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. (NY)

This is regarding my CFPB closed complaint XXXX submitted to CFPB on XX/XX/2018. The complaint had feedback from the creditor that requested the deletion of the trade line. After multiple disputes with Experian they have refused to modify this record on my report. I've filed three disputes on this account and they keep closing the dispute with no updates. I have been unable to speak to a dispute representative as I've constantly been on hold - last four times the phone system informed me that there was at lease a 45 minute wait. Regular representatives say they can not detect any changes so they put me through to their dispute specialists but, as before, I am unable to reach then via phone or request a call back. 
I've forwarded the previous CFPB complaint against the creditor, on two of the disputes, so they see their feedback and have enough information to proceed with their investigation along with other info. Experian though have alerted me that the disputes have been updated but when I log into my Experian account the dispute results remain the same in their before and after state. The account still lists as a negative record on my credit report with Experian refusing/ignoring the dispute information sent to them.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions.