davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I transferred {$1500.00} through XXXX from my XXXX XXXX account to my Chase account. Even though XXXX will not transfer money that is not available, Chase decided not to make funds available until XX/XX/XXXX. On XX/XX/XXXX I transferred {$1600.00} and the funds again were not made available. When I called I was advised that I should simply wait. There was no reason for the lack of availability except that I was simply unlucky. The difficulty is I have been advised by Chase that if I deposit a check, it will be held for five days and therefore the only way for me to move money expeditiously is through XXXX. Still, they refuse to make funds available. I believe this decision has been made to encourage overdraft behavior so they can capitalize on customers who are having financial difficulty. In the case of both transfers, the funds were already removed from my XXXX XXXX account, limiting my ability to spend. Whether I need groceries, to pay rent or keep lights on, the decision to arbitrarily hold funds they have clearly received ( this was verified by phone call ) makes no sense, unless they are trying to find ways to generate income by exploiting financially vulnerable customers. Banks should be required to let clients know if and when they are going to hold funds and the decision should be consistent and reasonable, including they should never be able to hold funds they have already collected, particularly when the method used to transfer has no way of recalling the transaction.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the fair credit reporting act Account XXXX has violated my rights 15usc 1681 section 602 a states I have rights to privacy. 604 a 15usc 1681 section 2 states consumer agencies cant publish account without consent XXXX   and transunion
Consumer complaint received 2022-12-17
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. (IN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

im trying to file a dispute online and XXXX did not let me upload to documents showing that my student loans were transferred. i called XXXX XXXX XXXX but the person was in XXXX i asked to speak with an american but they hung up
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2021-11-18
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. (WI)

I submitted a dispute XX/XX/XXXX claim # XXXX requesting to be sent verification of debt for : XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX {$50.00} & {$300.00}, XXXX XXXX XXXX XXXX {$260.00}. I received confirmation that the debt was verified well beyond 30 days later XX/XX/XXXX, but no results were sent to me.
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (NC)

Inquiries are on my credit without permissible purpose remove these immediately XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX. Inquired twice on this date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired twice this day XXXX 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 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX, Vystar took down certain features of its online banking to update its platform. This outage was supposed to last through XX/XX/XXXX and was only supposed to impact bill pay and external transfers. Now, over a week since the outage, and neither I nor anyone else can get into online banking at all, through their app or through their website. Vystar refuses to provide an estimate on when these issues will be fixed. I rely almost exclusively on online banking for my needs. Not everyone has the time to go to an ATM or visit a branch, or sit on hold for ages for every little thing. And, their customer service hours are still limited. This is outrageous.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX   XXXX
Consumer complaint received 2023-02-06
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX  AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX  DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF XXXX : XX/XX/2021 XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX BUSINESS TYPE : XXXX XXXX  DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX  who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX XXXX {$0.00} XXXX XXXX -Balance {$2100.00}
Consumer complaint received 2019-11-22
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. (UT)

XXXX XXXX XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested my credit report from all XXXX agencies. The first time, I tried to do it online and I experienced computer errors, the 2nd time, I called in and followed the pronts. I only got XXXX of the XXXX and when I asked Transunion again, they said they alreadyeady sent me a report. I do not have a report from Transunion and I advised them of that and they still have not sent me my free annual credit report.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I received a collection alert on my credit report. I.C. SYSTEM, INC has flagged my account as Collections on XX/XX/XXXX. They are attempting to collect {$1600.00} for XXXX XXXX XXXX. My account was closed in XXXX of XXXX  when the home I was living in was seized by the XXXX XXXX XXXX as a foreclosure. I provided XXXXXXXX XXXX XXXX the letter from the Sheriff 's office stating as such in person at a local office. I also faxed it to the XXXX XXXX XXXX collection department as instructed by an agent when I called a few months later. I believed the matter to be closed and have not heard from XXXXXXXX XXXX XXXX since I called them in XXXX.
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (WI)

I submitted a dispute XX/XX/XXXX claim # XXXX requesting to be sent verification of debt for : XXXX XXXX  XX/XX/XXXX, XXXX XXXX  {$50.00} & {$300.00}, XXXX XXXX XXXX XXXX {$260.00}. I received confirmation that the debt was verified well beyond 30 days later XX/XX/XXXX, but no results were sent to me.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They fail to send proper notification of how they are able to verify info on my report as accurate. I contacted these companies listed on my report as fraudulent and they still fail to remove them or even furnish paperwork stating that these are valid inquiries. There are multiple inquiries on my account for things I never applied for and they failed to investigate and furnish any proof that it 's valid. I 've called and asked multiple times to either delete the inquiry or furnish proof of valid cause they fail to do both this is a violation of my rights.
Consumer complaint received 2019-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc. (IL)

On or about XX/XX/2019 I applied for a loan purchase a new automobile. The dealership processed the loan to XXXX XXXX  and XXXX XXXX. Both companies used Sage Stream LLC and XXXX  for credit scores. XXXX reported a score of over XXXX and Sage Stream reported XXXX. I was sent letters from XXXX and XXXX XXXX about this to explain their declining credit for the car. 
Since XX/XX/2019, I have attempted to contact Sage Stream by phone at XXXX XXXX to 15 times at various times of the day. They do not answer their phone, but take a voicemail which they say will be answered within a business day. I have never heard from them. 
On or about XX/XX/2019, I submitted through their website a request for 1 ) a copy of my credit report and 2 ) a freeze on my credit report. Their website states that I will mailed the requested reports. 
As of XX/XX/2019, I have not received anything from Sage Stream.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BARCLAYS BANK DELAWARE (FL)

I have 5 credit card 1 XXXX XXXX  charge me over pay 2 barclays jet blue card I`ve been paid one year my balance is not goin down I call tehm they told me for let fee and chrge I have credit card XXXX XXXX XXXXXXXX i need help to pay my all the cridit card plesse help me
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2021-07-24
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: Experian Information Solutions Inc. (FL)

I submitted a dispute with Experian in XX/XX/2020, for an account with XXXX XXXX XXXX XXXX. On XX/XX/2020 this account was removed from my credit report with XXXX, XXXX  and Experian. In XX/XX/2020, ( I am unaware of the exact date ) XXXX XXXX XXXX XXXX reappeared on my credit report. I did not receive any letter from Experian or XXXX XXXX saying that they would be reinserting this item back unto my credit report. I called Experian to find out what happened and the representative was unhelpful. I have sent numerous letters to both Experian and XXXX and the only response I have received from both companies is that they will not be removing this account, and I can no longer dispute the account with Experian. I sent both companies a copy of my identity theft reports. I am now a victim of improper reinsertion. I did not receive any written notification from Experian or any creditor stating that this account would be reinserted within five days of insertion. This information is affecting my credit and does not belong to me.