davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

as i was reading my consumer rights i saw that the bureaus have 30 days to respond to my disputes. I sent a letter on XX/XX/21 and i have yet to hear from them and it has been past 30 days. This is a direct violation of FCRA and my consumer rights. I demand these accounts are deleted. 

I have attached proof of address and license.
Consumer complaint received 2023-07-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (GA)

XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX XXXXXXXX Date updated inaccurate fcra violation delete account
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021, customers who used Simple as their bank ( backed by BBVA USA XXXX had their accounts migrated to XXXX. The conversion has been a complete trainwreck, with thousands of people being locked out from being able to create new login information and/or accessing their accounts. In my case, my account is locked after following instructions XXXX laid out via their official XXXX. Their password resent protocol does not work. And customer service isn't available until XXXX. They've had over a year to plan this conversion out, and it has been a massive failure on all fronts. Big bank bureaucratic XXXX like this is exactly why people like myself signed up for Simple in the first place.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My checking account with Chase bank was hacked and 21 unauthorized ACH transfers were made in a 51 day period totaling almost {$10000.00} without the fraud department contacting me once even though fraud alerts settings are active on my account. Here are the dates and amounts : The transaction description showN on most shows : XXXX XXXX  XXXX XXXX XXXX XXXX WEB ID:XXXX. C XX/XX/XXXX : {$32.00} XX/XX/XXXX : {$78.00} XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$4.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX {$900.00} PENDING : {$900.00} Total : {$10000.00} CHASE stated they will not cover the transactions.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (GA)

XXXXXXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

This is a summary and a full complaint was sent to the Consumer Finance Protection Bureau from the State of Ohio Office of Financial Protection on XX/XX/2022. It has been over a month and I have not been contacted yet by anyone at CFPB. 
I filed a complaint with 5/3rd bank on the several issues with their online process and with the mortgage lender not assisting when he stated that he would. I was quoted multiple rates and The payment was not processed through the online system. I tried multiple times to get help through customer service up to a Vice President XXXX XXXX and still did not receive a response. This has now cost me thousands of dollars in additional interest and lost revenue from the other properties that were to be refinanced through 5/3rd. There is a complete email track, and 5/3rd has voice recordings as well as the records for the online portal. I want the rate that we were quoted for our Primary and Secondary Investment properties. The VP XXXX XXXX called me and we spoke and had emails that when 5/3rd discovered they were at fault they stopped returning my emails and phone calls. They " Ghosted '' me. This is not acceptable. We have been a bank and mortage customer with 5/3rd for over 20 years.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023
Consumer complaint received 2022-07-11
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. (PA)

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

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

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but XXXX  indicated something were disputed but I never received information on those items via mail or email. TransUnion indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (FL)

During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXi Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download XXXX dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I received any unauthorized charge on my XXXX XXXX checking account of {$20.00} Cash APP. I filed a report weeks ago and they just closed it with no response so Im filing again because this company aides and abets crimes by allowing fraud and identity theft. In addition, if you do your research XXXX XXXX  use this platform in which they promote blackmail and exploitation and they receive the money through this app. When you report the profiles nothing ever happens. They never call you either. Its run by an automated robot so when they respond to this complaint itll be the same ole response about calling an automated robot on the phone in which they never solve the problem. This company needs to be investigated by the police. I want my money back because I refuse to let people fraud me
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Controlled Credit Corporation (OH)

As per my last complaint a collection company called Controlled Credit Corporation sent me a letter stating I owed money to XXXX XXXX XXXX. I called XXXX XXXX XXXX again to confirm I do not have debt with them, or any XXXX facilities. I was also told that XXXX  does not due business with Controlled Credit Corporation and have never heard of them. I have Never been to XXXX XXXX XXXX, no claim has even been submitted to my medical insurance by any XXXX facilities for this amount of money. I also called my health insurance I check if I ever had an claims from this hospital in the past 7 years and nothing was or has been filed. I was assured I do not have any outstanding debt. Controlled Credit Corporation is trying to fraud me. If they continue and place a fake debt on my credit report I will hire an attorney and sue. This company needs to be investigated for fraudulent medical debt.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (NY)

Hello, As you can see from my previous complaint - I simply asked Experian, XXXX and XXXX to update my loans/credit cards as paid in full. Without my consent, Experian has removed XXXX XXXXXXXX XXXX which reflects my credit worthiness to other bureaus as showing I am able to pay in full. Im not understanding why these bureaus exist if they never do anything right. I find myself filing a complaint at least 3 times a year. Im also not understanding why they would think its a great idea to remove a file that shows someone credit worthiness. In addition, Im certainly not understanding why they remove items without the consumers consent. 

I repeat : I never gave them permission nor did they have my consent to remove XXXX XXXX XXXX. I simply wanted them to mark as paid in full and I provided the letter showing it was paid in full. My request was simple and straightforward. Im not sure how they can misunderstand such a simple request, and its written. No where in the comments did I say remove. I simply asked for an update regarding payment status.
Consumer complaint received 2022-08-27
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 (IN)

I called and told capital one I didnt do a charge and they wont take it off. Gave me a new card for it at least that was already active and someone used it before I actives called and asked about it and said it was using during the night which I didnt even have it yet. How does that happen unless they are already having them active before sending out and knowing the information
Consumer complaint received 2022-08-27
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. (TX)

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX  XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received 3 emails notifying me that I have been approved for an XXXX  XXXX Bank of America credit card. I have never applied for a credit card with BOA and I do not have any accounts with BOA. I contacted customer service of BOA and they told me to call the fraud department but I work Tuesday through Saturday, so that department was not open when I tried after work on Friday, XX/XX/22. I've noticed that there has been one hard inquiry on my credit and I think this is affecting my credit score. I have sent two of the emails I received to BOA 's abuse department and am waiting on a response. Please help and let me know what else I need to provide. 
Thank you, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (CA)

XX/XX/2022 I placed an application for credit with CarMax. CarMax proceeded to complete a transaction using my ssn and once the transaction was complete CarMax proceeded to violate my federally protected consumer rights by sending me an adverse action letter denying credit based on reasons specifically prohibited by law.
Consumer complaint received 2022-07-12
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. (WA)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX 15 U.S.C 1681 Section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It als
o states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-27
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 and XX/XX/2021, JPMCB - Card Services reported a hard inquiry on each date to my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.