davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on ( XX/XX/2024 ) to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 15 USC 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. I demand that these accounts be permanently deleted from my credit file
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (LA)

On XX/XX/XXXX, I applied for a {$5000.00} personal loan for household purposes through UpStart as I had received a loan from them back in XXXX  and had paid it off. I received an adverse action notice in the dashboard stating that information on my credit report was the reason for my denial even though it stated that I had a credit score of XXXX and a XXXX XXXX XXXXXXXX through XXXX. As a consumer, defined under 15 USC 1602 ( i ), the adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. And since this loan was requested for household purposes, the denial was unwarranted and a violation of my consumer rights to not have my credit report used against me. Seeing as this is not the first time my application was denied for {$1000.00} back on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-14
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)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 a account without my written instructions The account is Also closed but remains visible and harming my credit score
Consumer complaint received 2023-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I purchased XXXX items on XX/XX/XXXX from XXXX XXXX  via their website. 
I made an account on their website and checked out. My credit card was immediately charged {$820.00} I expected the purchased items would take some time to ship since they are large car parts. 
Many XXXX had passed, and I had recieved no updates. My account on their website said " order processing ''. 
So on XX/XX/XXXX, I called XXXX Customer Service at XXXX. I spoke with XXXX and he said : " Dont worry, if it says order processing then we are still working on the order. There is no ETA, but we will send you email once your items have shipped ''. 
I said thank you and I remained patient. 
Many months passed with no contact made. My account on their website still said " order processing ''. 
So on XX/XX/XXXX I called XXXX. This time no one answered. The call went straight to voicemail, and the voivemail box was full. 
Also on XXXX XX/XX/XXXX, I wrote an email to XXXX '' to request to have the order canceled and refunded. 
I still have not recieved a response. 
Over the last 2 months, I have made 40+ phone calls on different days and at different hours of the day. 
No one answers the phone, the call goes straight to voicemail, and the voicemail box is full. 
I have also sent a total of 3 emails to request to have the order canceled and refunded. 
There has still not been any response back. 
I contacted my credt card company ( Capital One ) and they said " we cant investigate any fraud if its older than 60 days ''. 
So now, I have lost {$820.00}. Recieved no items. XXXX XXXX  is unresponsive to communications. 
Capital One only cares about fraud that happened in the last 60 days. 

Thank you for your time.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated repor
t. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I booked a flight on Southwest Airlines and they had a promotion- {$200.00} statement credit for new card accounts after spending {$500.00} in the first 3 months. I was a new card applicant, I spent {$1000.00} on eligible purchases in the first month, but received no statement credit. When I called Chase the credit partner for the Southwest Rapid Rewards Card I was told I wasn't eligible for those benefits. When I asked why they could not give me the advertised promotion / benefits even though I met all criteria they said it was based on how I applied. I applied on XXXX when booking the flight, which is where I saw the advertisement.
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (ME)

Ford motor credit and I had a lease agreement together. 

In XX/XX/XXXX  we entered into an agreement for a voluntarily early termination of the lease. At this time I owed {$4500.00}. 7 months remaining of my 3 year lease. At the time I agreed to voluntarily terminate my lease. I was not in danger of repossession. I was current with my payments. 

I called and spoke to Ford credit agents cause {$640.00} a month was very hard to come by during Covid. I asked to lower my payments. Prior this the many times I called I went to dealerships and my bank to attempt to refinance it before the lease was up but they said I owed too much. 

The discussion I had with Ford was they would accept my truck back under voluntary means and auction it. 

It was discussed the equity value of the truck would be more then enough to cover what I owed left. Ive never had a lease before and I trusted what they told me, Later after the auction when they eluded that would be all set called me stating I now owed almost {$14000.00}. I was in complete shock and there is no chance owing less then {$5000.00} I would then agree to volunteer to give up my truck to pay {$14000.00} and not even benefit of the enjoyment of it being my property. 

Ford took my truck and fooled me into them getting the truck back and then getting {$17000.00} from the auction and then also trying to get {$14000.00} more from me. 

Their deception is absolutely absurd. 

This is in the courts now. This type of business should most definitely not be allowed. 

This is a huge corporation who had the power to destroy my reputation, my credit and then sue me without any options to be reasonable whatsoever, Ive disputed everything with the credit bureaus, told the attorney general who agrees, the law protects consumers from this type of abuse of power, Ive contacted consumer protection and now the FTC. 

Please help They also removed my access from viewing the record online.
Consumer complaint received 2023-01-13
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. (CA)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-13
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. (CA)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2019-02-05
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My name is XXXX XXXX ssn ( XXXX ). This complaint is about my HSBC cash rewards master card ending ( XXXX ). My card was lost/stolen on or around XX/XX/XXXX. I left out of country on XX/XX/XXXX and just came back on XXXX XXXX, XXXX. This is when I noticed I didnt have my card with me. I checked my account online and find so many unauthorized charges/fraud activities. ( {$3000.00} ) I called HSBC right away on XX/XX/XXXX. I was told by the representative that I will be receiving some forms to fill out and they will start investigating. Within a week I received a notice dated XX/XX/XXXX that they have denied my claim. 

I was out of country and card was swiped in person in USA how is this even possible. I am ready to provide any supporting documents or proof. 

I would like to request HSBC to provide me the proof of their investigation. Also I want the phone number of their credit card operation director.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Mercari, Inc. (CA)

I sold a high value on Mercari that was purchased for {$500.00} but undersold on the web platform for {$300.00}. 
On XX/XX/XXXX the item sold was delivered to my Mercari client.

Customer complains that the listing did not include accessories however the listing clearly states it is only the unit. Pictures on listing also show only the unit.

I offered to discount or even provide the cables to client but Mercari 's plan of action was to authorize the return unjustly. 

Label was provided to client and they shipped it back via XXXX. 
XXXX tracking # shows delivery of package but I did not receive the package back. 
I have went to neighbors and asked the XXXX station/driver but it was to no avail. They can not find the package. 

I requested Mercari to file a claim or assist with tracking as this is their shipping label.

Shipping couriers only provide claims to those who purchased the label. 
No support was given. 
It is my understanding that for a high value item Mercari should be buying insurance and using signature confirmation to ensure delivery of the package. None of which was done.
Consumer complaint received 2023-06-07
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. (PA)

This letter concerns the following account : XXXX XXXX XXXX XXXX XXXX with account number XXXX I disputed the referenced account above on XX/XX/2022 The credit report of XX/XX/2022 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 
Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I have received no such notification. This is a serious violation of the FCRA
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This account information appeared on my Equifax account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
Consumer complaint received 2023-07-06
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: LEXISNEXIS (TX)

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.

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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-05-25
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 (NY)

I have lost my wallet back in XXXX, XXXX, XXXX reported to The police ever since, I have been having all these issues with Identity theft. 
Account info Account name XXXX XXXX XXXX Account number XXXX capital one
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

XXXX IS REPORTING INACCURATE BALANCE OF XXXX. THE BALANCE WAS VERIFIED CORRECT ON XX/XX/23 THE CORECT BALANCE FOR ACCT XXXX IS XXXX. THIS IS A VIOLATION OF FCRA LAWS.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.