davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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)

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 : DEPTEDNELNET Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 item
s 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 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

I have been a customer of Macy 's for several years. I noticed Around 2 yrs ago that they were charging me for a protection service that I did not request. I immediately called and asked for it to be removed. I do not check my statements as my bills are debited monthly. They never removed the service, that I did not ask for. I asked for proof that I agreed to this service, they said they do not have it and will discontinue my service. I asked for a full refund of the unauthorized fraudulent charges on my account. they credited me 1 month. I never agreed or requested this service. I didn't even know it was on my account. When I did find out, and I asked them to remove it, They continued to charge me for an additional two years. Tthis is a fraudulent, activity and I need help getting reimbursed for the fraudulent fees paid.
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed immediately.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed immediately.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I applied for a Chase XXXX credit card online. It was denied even though I have excellent credit and other credit accounts with Chase. They claim I can not prove I am me and suggested I check my credit reports. I got all three credit reports and none has any false information. I correctly answered ALL of their security questions but they continue to tell me I am not the person applying for the card. I am XXXX, so I have had several names and addresses over my lifetime ( birth name and a few marriages ) but the same name for 32 years, the same address for 16 years, the same phone number for 16 years, etc. I have even had the same email address for more than 20 years. There are not, and have never been, any fraud alerts on my credit reports.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. They have 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 inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX 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
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

I have a applied for this company through XXXX XXXX, on there it says 0 % interest rate for 18 months, after the first month I have used the card they have added best interest rates on top the purchases. And the credit card that I hold is with Chase Bank
Consumer complaint received 2024-02-12
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. (MO)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (WA)

Discover-accepted my payment in early XXXX but did not make the funds available after multiple calls they closed my account for a fraud claim I had submitted in XXXX that had already been resolved. They opened a new account and were supposed to transfer those funds over to the new account and send me the overage of the payment i made and electronically deposit it into my account. The funds were never transferred and discover never returned my payments and or credit my account. They have closed my account so they could keep the funds I submitted to them. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. 
This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Consumer complaint received 2022-01-25
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. (TX)

The reporting credit bureaus make very difficult to submit documents by the web. I will have to send all documents by mail and wait a long time for a response. 
The credit bureaus should explore easy ways to satisfy consumer complaints including in person telephone representatives.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!
Consumer complaint received 2022-01-25
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. (TN)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
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 (MN)

I prepaid {$230.00} for a service call and battery installation from XXXX. Upon inspection of my vehicle 's battery, the service technician discovered my battery was not the issue. I then only received a jumpstart in order to get my vehicle back to my property. XXXX then adjusted my service and the receipt reflected the amount I expected to pay which was {$100.00}, however, the payment of {$230.00} remained on my credit card statement. I filed a dispute with XXXX, faxed all necessary paperwork to Capital One in a timely fashion. Capital One then credited my account of the amount difference I was disputing of {$120.00} ( {$230.00} prepaid amount, minus {$100.00} for actual service I received ). After their " investigation '' and correspondence with XXXX, they reversed the decision, and the amount I was disputing ( {$120.00} ) charge was added back to my credit statement. I have spent HOURS trying to explain this simple math equation with Capital One and they don't seem to understand. I have ALL necessary paperwork to rightfully pursue and be reimbursed the {$120.00} from Capital One.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (RI)

In XXXX my wife and I purchased a sail boat. The mortgage was held by Washington Mutual, XXXX Wa. In XXXX we paid off the mortgage for the boat and I received a Discharge of Mortgage. In XXXX our first floor of our house was washed out by Hurricane XXXX and we lost all of our paperwork including the Dishage of Mortgage. In XXXX I sold the boat. When the new owner tried to register the sail boat with the XXXX Documentation office they told the new owner he could n't because they never received the Discharge of Mortgage paperwork from Washington Mutual. I contacted JP Morgan/Chase and asked them to supply one. They explained to me that they only transferred electronically into their system account information that had open liens or mortgages. I then contacted Washington State DMV to see if they had record of my mortgage. They explained to me that they only keep records for six ( 6 ) years once they have received a Discharge of Mortgage notice. They suggested I contact the Credit Bureau which I did. They ran my credit history and there was no information on the report concerning our loan with Washington Mutual. They explained to me that meant I had paid off the mortgage and they do not keep payed off loan info for more than 10 years. So here we are, caught between a rock and a hard place and we may have to return the money we received from the sale of the sail boat because I can not prove to the XXXX XXXX Documentation office that we paid off our loan with Washington Mutual.
Consumer complaint received 2022-01-25
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. (TN)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-06-27
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: Avant Credit Corporation (IL)

Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!
Consumer complaint received 2017-07-25
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. (TX)

This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my Equifax nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.
Consumer complaint received 2021-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

They told me I would have to talk to FCO Fair Collections & Outsourcing I have Tried calling Invitation Homes about this matter and explain what happen they refuse to do anything, I explain to FCO they said either i can pay what i don't owe or else they said i own {$9100.00} witch i was a Victim of Identity Thief I have all papers and Police Reports I filed an Identity Thief Report, Have Records of my Residents and other documents to my case. I also went to the Courts House the the Crime took place, occurring the the XXXX County Sheriff Department and ask about Judgment that was against me. The Notary that did it she didn't check ID of suspect. She told me this I am a XXXX myself and i know i have to check ID. They told me to seek a Lawyer I have Contact FCO many times and XXXX XXXX XXXX 4 many times to resolve this matter
Consumer complaint received 2017-07-25
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: DISCOVER BANK (OR)

On XX/XX/16, Discover bank informed me about dispatch of new credit card with updated chip technology. On XX/XX/16 I found there were 4 charges on my account which I did n't make. The charges were : XX/XX/16 : XXXX XXXX ( XXXX CA ) - {$320.00} XX/XX/16 : XXXX ( XXXX CA ) - {$610.00} XX/XX/16 : XXXX ( XXXX, CA ) - {$620.00} XX/XX/16 XXXX ( XXXX XXXX XXXX, CA ) - {$810.00} The total amount of unauthorized charges was {$2300.00}. On the same day I reported Discover bank about it and froze the account and few days later I approached local police department ( Case : XXXX ). Bank did investigation on their part and held me responsible for the above charges because the new card was sent to my address and was activated on XX/XX/16 using my phone number. To prove my innocence I submitted my call records but they said that is n't enough and asking for proof like video footage of person who made those transactions. Fortunately, XXXX CA police managed to get video footage of the person making transaction of {$610.00} on XX/XX/16. In their report they described that person and mentioned that the person is n't me. ( XXXX : XXXX ) Even with all these proofs, Discover bank is holding me responsible for those unauthorized transactions.
Consumer complaint received 2023-06-29
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)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Consumer complaint received 2022-02-19
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. (MO)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Received my statement with {$30.00} late fee. My bank verified the check payment was received and cashed on XX/XX/24. I called & was told payment was due on the XXXX and it was received on the XXXX. They said that on the XXXX is when they charge the late fee. My statement shows late fee was charged on the XXXX before I was supposedly late. This is very wrong to do to a customer.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is a XXXX  XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.