davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
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. (NY)

On XX/XX/2020, I called Chase Sapphire reserve to request assistance in refunding a XXXX XXXX   flight to XXXX on XX/XX/2020 that I am unable to take due to XXXX. 

The XXXX XXXX policy clearly states that refunds will be issued once flights are cancelled, however, I have been unable to do so ( see below ). 

I first attempted to cancel the flight with XXXX XXXX directly, however, I received a notice that the cancellation has to be done by phone, and every time I have tried to call since XX/XX/XXXX, I have received automated message that they are not taking calls due to high volume. I have also written several email and XXXX communications. 

I called Chase in the hope that they would be able to issue a refund and liaise with the airline directly, as they bill themselves as the premier travel credit card, however, the individual with whom I spoke said that because the flight has not been cancelled she would not do so. I explained that I live with my XXXX year old grandmother and am as such XXXX unable to expose myself to the XXXX  by flying to XXXX. 

XXXX XXXX was able to resolve another flight that I just had to cancel for similar reasons within minutes, so I know that Chase is in the wrong. Can you please help? I realize your office is very busy but I am a consumer who has been wronged and you are my only advocate! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The credit bureau XXXX and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX  XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC. 1681 section 602 states i have the right to privacy 15 USC 1681 section 605 A section 2 it also states that a consumer reporting agency can not furnish an account with out my written permission or instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2021-01-13
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. (GA)

ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME RENT RECOVERY REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER 7 YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am desperately trying to keep my home, and have repeatedly requested resolution thru a Loan Modification. Yet because I originally questioned the validity of the initial modification offer that was sent to me, and requested an explanation of some unsubstantiated charges, they have denied me the offer. 
Now they are saying that I no longer qualify for any modification??? 
All because I delayed accepting something that I informed them was inaccurate. So they have now began a retaliation against me, by denying me any modification, and filing a foreclosure. 
I again " PLEADED '' with then to avoid litigation, and assured them that I wanted to work it out, but they have repeatedly refused, and now I have had to hire an attorney, and now have a large amount of additional legal fees, because of their poor communication. 
Additionally, they ( Mr. Cooper ) has continued sending me conflicting amounts that am supposed to owe?? They communicate very poorly, and I am still very confused and frustrated. I would just like to get this resolved. - ASAP - " PLEASE ''!!!!!!!!
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (DE)

I have been checking my report since the pandemic started and when the cares act relief for federal student loan borrowers was made law I noticed a lot of multiple XXXX account with the same account number and this has got to be an error because I don't recognize these. Besides a lot of these loans are in forebearance and are to be marked as paid on time Cares act 3513, a, b, c, & d. payments are suspended ( ADMINISTRATIVE FOREBEARANCE.IN THE STATE OF PENNSYLVANIA. There are a lot of violations and we are in a financial and health crisis and need help from CFPB to ensure the bureaus are doing their job its a stressful time for all americans. It has been over 45 days since disputes and then I get a postcard from the credit bureau which is unacceptable as I stated in my letter to them disputing the items. That told me they didn't do the investigation and left me with a stall tactic, this items must be deleted. its law.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was originally hired by a construction company to do work to be a virtual assistant. The guy sent me a check by email and asked me to deposit it into my account so I could buy equipment to start working next week. Check was deposited and my account was automatically restricted and frozen.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXXXXXX Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXXXX/XX/XXXX XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XX/XX/XXXXXXXX* Balance Owed : {$22000.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX* Balance Owed : {$4200.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XX/XX/XXXXXXXX Balance Owed : {$8200.00} - This account was sold but still reports a balance, please delete this account. 

XX/XX/XXXX XXXX Balance Owed : {$2400.00} - I am not the owner of the account. Remove this account. 

XX/XX/XXXX XXXX Balance Owed : {$3600.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} -This account does not belong to me, please delete this account.
Consumer complaint received 2023-01-19
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (NV)

Dear Sir / Madam I recently obtained a copy of my credit report from XX/XX/XXXX It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

US BANK CONSOLIDATED All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Personal statement ( s ) XXXX & XXXX XXXX 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 OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-03-10
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. (GA)

XX/XX/2013 I & my now ex wife signed XXXX contract $ XXXX with deposit for a vehicle from XXXX & XXXX motors in XXXX, GaXXXX During the process of my divorce, XX/XX/2013 my ex wife was in possession of the car at time I was unaware was repossed. I never received paperwork of repossession, buy back option or collections on debt. I recently found thru credit reports the account is still open for {$10000.00} XXXX incorrect amount ) with 7 years late payments. When I called to find out why account was open, who was in possession of car ( XXXX XXXX XXXX XXXX XXXX, when was it resold & how I could resolve this, I was told it didn't matter they would continue to misrepresent my account as open with late payments for as long as they pleased to ruin my credit & prove a point to people like me, which is unprofessional & illegal thru fair debt act to falsify an open account with late payments on repossed vehicle that was resold. I was unaware of the situation & was only trying to resolve the issue, which could have been resolved 7yrs ago had I known.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate
Consumer complaint received 2023-12-06
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)

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX I on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

ALL OF THESE INQUIRIES REPORTING IN MY ACCOUNT ARE NOT FAMILIAR WITH ME AND AND SOME OF THEM ARE REPORTING REPEATEDLY IN EACH CREDIT BUREAU. I COULDN'T APPLY FOR ANY LOANS BECAUSE OF THESE INQUIRIES THAT SOULD NOT BE THERE AND IT'S STRESSING ME OUT
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (CA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX  # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I was trying to purchase a car. I was given a pre-approval from a credit union with a good rate however, when I when they attempted to pull my credit report from Equifax nothing was provided. I called Equifax and was told there is no fraud issues and the dealer should be able to proceed. As of today I am still unable to access my Equifax Credit report.
Consumer complaint received 2021-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was sent an offer on XX/XX/2020 for a capital one savor credit card. This card showed to have an offer of {$300.00} in rewards if {$3000.00} was spent in the first three months. I applied for the card fir this reason and was approved. After spending well over {$3000.00} in less than 3 months, I called capital one and was told that I do not have the sign up offer on my account. The representative told me that there is nothing they can do to help even though this offer was shown when I applied for the credit card.