davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have been disputing one account with Experian since XX/XX/2021. I have had nothing but problems with getting a response from them! I know they are required by law to provide some type of response to the dispute I send in but I haven't received anything. I even went as far as sending the last 2 letters through certified mail because I wanted to make sure Experian received them, and they did! But here we are, XX/XX/XXXX, with nothing received to me from Experian. This is not acceptable as they are clearly breaking the law and not having and repercussions for it!
Consumer complaint received 2017-09-08
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. (NY)

Equifax has mishandled my information ( social security number, addresses, etc ) and put me at risk. Furthermore, I can not obtain a copy ofmy credit report from them in order to check if there is any fraudulent activity.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-02-26
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: ID Analytics, Inc. (CT)

Sage stream and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had CapitalOne Savor card. There is {$95.00} annual fee on this card. I opened the card because of the promotion and annual fee waived for first year. Last year I want to closed the account because I do not want to pay the annual fee but I could not because the annual fee can not be refund after certain days. So I want to make sure that I can close the account this year when the annual fee kicked in. On XX/XX/2022, I called CapitalOne and the agent told me that I will get the refund for the annual fee if I close my account before XX/XX/XXXX which I did. On XX/XX/2022, I checked the account and the refund was not posted. I called and the agent ( who also confirm this with her supervisor ) told me that I have to wait until the new statement is posted. When the new statement was posted, there is still no refund. So I called again on XX/XX/XXXX which took about XXXX hour XXXX minute to learn that I would not got the refund. The first agent told me to wait for one more statement to come out since it might take 1-2 billing cycle for refund to post. I asked him to confirm if that will happen for sure but he could not and he passed me to another agent to work on issuing the refund right away. Second agent picked up, said " hi '' and then there were silence. Not sure what is going on so I hang up after waiting for few minutes. Then I called back and the third agent told me that it passed 40 days because I closed it on XX/XX/XXXX. If I closed before XX/XX/XXXX, I would get the refund. I told them I closed on XX/XX/XXXX because I was told that I have until XX/XX/XXXX. He passed me to his supervisor to see if there is anything that they can do. This supervisor agent ( who said that she is the seniors accounting and the higher resource on this matte ) told me that there is nothing that they can do beside they are sorry about what happened. I asked if I can not get the refund then can I reopen the card so I can use the card since I already paid for the fee and she said she was not sure if card can be reopen. This is not fair to consumer like us when we have to pay for misinform from the company. I lost my money and all they can do is saying sorry. That is it. They do not take any responsible on their mistake. I hope this complaint is heard and this kind of cheating is not happen in future or other can learn from my mistake not to trust this company. They do not train their people to give accurate info.
Consumer complaint received 2022-05-05
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)

I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 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 cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX  CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CT)

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( JP Morgan Chase ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Consumer complaint received 2023-06-11
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. (FL)

I FILE A DISPUTE WITH EQUIFAX ON XXXX XXXX REGARDING SOME HARD INQUIRIES ON MY CREDIT REPORT LESS THAN 5 DAYS I RECEIVED A LETTER STATING THAT ARE FACTUAL. THESE HARD INQUIRIES WERE NOT AUTHORIZED BY ME, AND SUCH THEY SHOULD NOT HAVE BEEN CONDUCTED WITHOUT MY CONSENT. UNAUTHORIZED INQUIRIES MY ABILITY TO SECURE CREDIT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FACTA ), AND THE UNITING AND STRENGTHENING AMERICA BY PROVIDING APPROPRIATE TOOLS REQUIRED TO INTERCEPT AND OBSTRUCT TERRORISM ( USA PATRIOT ACT ), I HAVE THE RIGHT TO DISPUTE INACCURATE OR UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.

UNDER UDAAPs Dodd-Frank Act ALL COVERED PERSONS OF SERVICE PROVIDERS ARE LEGALL TO REQUIRED TO REFRAIN FORM COMMITTING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES ( COLLECTIVELY UDAAPS ) IN VIOLATION OF THE ACT.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out written instructions.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and that it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-09-08
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)

Mishandled my information, which puts me and millions of other people at risk. I also am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2022-05-05
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. (GA)

I sent a letter regarding inaccurate personal information, negative accounts and XXXX late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 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 cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX BANK CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This company makes it too difficult to update my credit report. This is cousing me stress. I haven't even began to dispute All the inaccurate information they are reporting. I was just trying to get my personal information corrected and updated. This all started On XX/XX/XXXX, I pulled my report and noticed my personal information was outdated. On XX/XX/XXXX I drafted a letter to Transunion asking for my personal information to be updated. My job information, current address, and name. I told them in this letter to Remove All other addresses, names, jobs, phone numbers because this is leaving me venerable to identity theft. Also those addresses were not deliverable by the XXXX. This is basic information that By Law should be fixed. I enclosed a copy of my ss, ID and a utility bill. All with my name and address consistent with what should should be reported on my report. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, a copy of ss card, utility bill and ID ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. The same information I Already sent. I should not have to repeat this same situation waisting money and my time. Yet again, On XX/XX/XXXX, they sent me another letter, this time with the report and no updated information. I am overwhelmed with this company. If it's this hard and difficult to just clean up my personal information, I can't imagine what it is like for other issues. This company acts as if they don't have to follow the laws that govern them. I demand, if they are reporting information that could harm people 's lives at least report properly.
Consumer complaint received 2022-05-05
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. (FL)

Reason for disputes : There are 3 past due remarks on all 3 of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 XXXX  has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because XXXX attempted to make 3 withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXXXXXX XXXX Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with XXXX  I was told that I would not be charged late fees NOR would XXXX report the activity to the credit bureaus.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed.

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

XX/XX/XXXX I noticed a dispute open on my experian report that I did not open. I called experian and spoke with a manager who explained it was an error made on their end, so I demanded that it be removed from my report as I did not authorize or request the dispute to be open and that the representative of experian who misused my sensitive personal information be fired, the supervisor then proceeded to hang up on me, I called back within minutes and was told I was unable to speak with any supervisor at all.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (GA)

On XX/XX/XXXX, I checked my mailbox and I received a letter from my local tax office. I have a Mortgage with Cross Country Mortgage LLC. This company has not paid all of the property tax that was owed. I closed on the home XXXX, 2021. I have an escrow account. The money should have been paid. I pay my mortgage on time every month. I have called and sent an email with the statement. I have called multiple times and went to my local tax office. Each time that I call Cross Country Mortgage, C I am being told it has went to the escalation team but there is no payment sent. This unacceptable.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (OH)

Between the dates of XXXX XXXX XXXX I received a letter communication related to 0 % Promo APR Balance transfer for 12 months for my Marriott XXXX Credit Card by Chase. Please refer to the attached. As a due diligence on my side, I read the whole communication and convinced about the offer and fast forward, I requested a balance transfer of XXXX. XXXX} of XXXX} is the balance transfer transaction fee resulting a cash on hand of {XXXX}. On XX/XX/2022, I received a statement balance of {XXXX} with a due date of XX/XX/2022. 

Breakdown of the statement balance includes : XXXX of XXXX was related to balance transfer. 
XXXX  of XXXX  was for the purchases I made before and after the balance transfer was completed. 

To make good use of the 0 % Promo APR for Balance Transfer for 12 months and to avoid paying interest for purchases, I wanted to make sure that the amount that I will be paying by XX/XX/2022 was for the purchases that was not included in the balance transfer which in my calculation should be {$320.00}. 

On XX/XX/2022, I contacted customer service via phone but I cant get past the automated answering machine. Therefore, I reached out via XXXX. I was told that ; 1. ) I have two balance transfer request when I was only aware of one. They corrected themselves and apologized. 
2. ) To use the 0 % Promo Balance transfer for 12 months, I will need to avoid making purchases while a balance transfer is on the balance. Otherwise, the full statement balance of {$9800.00} ( balance transfer and purchases ) needs to be paid by XX/XX/2022. If not, interest will be charged. 

The letter communication and the customer representative provided two different contexts on balance transfer and purchases with the 0 % promotional APR offer. I based my balance transfer decision from the letter communication which did not clearly state the consequences if there are purchases made on the card. The letter communication is vague and difficult to understand by a regular consumer. 

My conversation with the customer representative led me to return the balance transfer of {XXXX} on XX/XX/2022. Since I can not use the 0 % Promo Balance transfer for 12 months due to the purchases in the card, I requested to waive the XXXX balance transfer transaction fee. However, the customer representative said that my account is not eligible for the fee refund. I have been using this card for quite some time and loved the services and offer. This was my first time requesting to get a fee waived but was unsuccessful. 

While the letter communication is deceptive, it is also unfair that the transaction fee can not be waived since I can not use the balance transfer and 0 % promotional offer. This is a UDAAP violation since a normal consumer like myself was deceived by the letter communication leading up to requesting a balance transfer when in reality, there are restrictions that was not clearly stated in the letter.