davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( Equifax ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2020-01-27
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-06-08
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. (FL)

Im beyond frustrated with the customer service team in XXXX XXXX. I called because of a complaint I made against XXXX agency back in XX/XX/XXXX online for the account with XXXX XXXX XXXX someone on XX/XX/XXXX lied and stated I challenged the payment history for XXXX thats a LIE. He even confirmed the payment history dispute bill as for another account. Due to Experians negligence they extended the timeframe so when the account shouldve been removed XX/XX/XXXX it wasnt!!! please reference case # XXXX. When I originally reached out to you guys about the illegal tactic this agency use to continue reporting this account they stated they replied by mail. THATS A FLAT OUT LIE. I DIDNT RECEIVE A LETTER FOR THIS ACCOUNT THE FCRA REQUIRES DELETION OF THIS ACCOUNT. So I spoke to on XX/XX/XXXX XXXX in XXXX XXXX he transfer me to a supervisor who refuse to listen to anything I have to say and hung up on me after a 30 minute hold something needs to be done about there customer service.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

I have put in a complaint for this issue the complaint number was ( XXXX ) & it has not been resolved & I am very confused with the result. I am very disappointed that the CFPB allowed Chase Bank to go around my request. I specifically stated in my complaint that I have reached out to Chase Bank in regards to opting out of my non public personal information from being shared with non affiliate third parties & Chase Bank has not honored my request to do so. I expected the CFPB to have someone from Chase bank contact me in regards to having my requested honored since I have already tried to reach out to Chase Bank & was ignored. I even shared the laws that Cleary shows my rights to opt out & it still has not been honored which is extremely disappointing. 
15 USC 6801 states how institutions have an obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 USC 6802 ( b ) shows how I have the right to Opt-out & the institution must explain how I can do so & I have already expressed to the Chase Bank & the CFPB that I have did such requested & Chase Bank still has not honor my request to this day! 15 USC 6802 under ( c ) shows the consumer must be given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 under ( f ) states " Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' Im having trouble understanding why the CFPB is not making Chase Bank honor my request, As they are put in place for my protection. XXXX, XXXX XXXX XXXX are a non affiliate third party as they are not listed as an affiliate on Chase Banks privacy policy notice. Its states under affiliates " The Chase affiliates are a network of firms owned by JPMorgan Chase & Co . They include JPMorgan Chase Bank, N.A. ; Chase Insurance Agency , Inc. ; XXXX.P. Morgan Securities LLC ; and others ". XXXX, XXXX XXXX XXXX are non affiliate third parties & if XXXX, XXXX XXXX XXXX are affiliates I am requesting such proof of this information be shown, & to my knowledge some institutions voluntarily share information it is not mandatory. I understand that there may still be some information that they are still are able to share but I do know that the laws protect the consumers sensitive information such as my non public personal information. Once again I ask the CFPB to please make Chase Bank to find out why they haven't respected my rights to opt out & to contact me to explain how I can opt out & have my requested honored such as my non public personal information as the law allows me to do so. This is a violation of the FCRA & THE GLBA.
Consumer complaint received 2021-06-08
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. (MS)

Transunion is reporting this inaccurate bankruptcy on my account. I have no knowledge of this account as according to this address letter to me The bankruptcy court does not furnish this information to the credit bureaus nor due to they verify this information.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A. (TX)

I have a rebate card issued by XXXX for {$930.00} and the card is issued through wire card service ( citi card ). according to Wire card service they sent the rebate card to me on XXXX XXXX XXXX but I never received the card. Upon enquiry, they did an investigation about this and found fraud activity. someone else used that card in XXXX, XXXX XXXX, TX on XX/XX/XXXX. Then they sent me another rebate card on XX/XX/XXXXXXXX that card also I did not receive. When I called the company, they said they are going to do another investigation on this. 
After investigation they found someone used the card on XX/XX/XXXX in XXXX # XXXX, TX for the full amount of XXXX and they said they couldn't find any fraud activity on that.and they are not replacing the card to me. 
I called the company and asked them how they reached in that conclusion of not replacing the card? what is the result of the investigation they did? 
How they reached the conclusion that there is no fraud activity happened? 
They did not answer for any of my questions. they just said they closed the case. 
I want to know how the company reached a conclusion that they are not replacing the rebate card which I never received. also I want to get my rebate card as soon as possible. 

XXXX card No. XXXX used in XXXX # XXXX, TX for {$930.00} XXXX Card No. XXXX used in XXXX XXXX, TX for {$930.00} Thank you
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was approved for a Bank of America Mastercard recently. As soon as I had transferred a balance onto the card, I attempted to make the first payment online. I learned that BofA doesn't allow a consumer to simply link a bank account to make a payment. Instead, it requires the consumer to input the bank account data, then it asks the consumer to verify the account by calling customer service. I did so, but waited an hour on hold on 2 occasions and was unable to verify the account. So I sent BofA a payment by check in the mail, which was mailed 10 days before the due date. But the payment was posted late. 
The following month, I attempted to link a second bank account for the purposes of payment and had the same problem. Due to the lack of customer service and unneccesarily complicated verification process, I will be transferring my balance on this card to another bank and will not bank with BofA again.
Consumer complaint received 2021-06-01
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. (CA)

There are 9 accts on my credit report that I have been disputing since XX/XX/2021 and the bureaus and the furnishers are not helping me out this is a identity theft case and I will not settle until all these are off my credit report asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-31
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. (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 : XXXX XXXX Account NumbeXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX8 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 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 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (NY)

I advised indigo/destiny credit card that I was XXXX XXXX in XXXXthey said they would reimburse late fees but had to report that the account was past due.I can send proof that Im just getting over the XXXX and those late payments have tarnished my credit report. I have no content over me catching the XXXX and Im being penalized.I have payments set up to start payments this is unfair.my home was pending finalizing before I got XXXX and put on hold by the lawyers because of XXXX.my home being finalized wont go through if those late payments are on there.please remove and list my account in good standing
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In the past few months, I have contacted XXXX Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to XXXX Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from XXXX, and a documented ledger of my payments being on time ( provided by XXXX ), I opened a dispute with Experian. The dispute was kicked back, as was 4 other attempts. 

When reaching out to Experian as to why this was the case, I was told that XXXX said the late payments were valid. This is a direct contradiction to what I had been told by XXXX and also contradicted the documentation that XXXX had provided which showed payments being made on time, not delinquent.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Today, Equifax refused to place a " security freeze '' also known as a " credit freeze '' on my credit report both by telephone ( to XXXX ) and online ( at myequifax.com ). I tried both ways, and wasted a total of 35 minutes doing so. 

I telephoned the toll-free number that Equifax gave to the Federal Trade Commission for public dissemination for this purpose, a number for Equifax that I obtained from the FTC.gov website. 

When I did speak with an Equifax representative at the end of the 35 minutes I spent doing this, he told me that he was unable to process my request. 

By comparison, doing the same through XXXX  was successful and took a total of 10 minutes, and doing the same through XXXX  was successful and took a total of 3 minutes. 

Equifax didn't put a security freeze on my credit file because it didn't want to. I have no idea why. They are required to do so, and represented to FTC that a member of the public could do this by calling the Equifax toll-free number that FTC then put on its own website. 

I undertook this process after receiving notice from a creditor that someone had tried to obtain credit in my name, fraudulently.
Consumer complaint received 2022-04-29
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. (FL)

In accordance with the Fair Credit Reporting act my rights have been violated. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have late payments listed on my credit report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXXl XXXX.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (SC)

My formal complaint about this account, CB INDIGO XXXX, for reporting false information on my XXXX XXXX XXXX XXXX and XXXX credit reports. It also mentions in the credit report that this account has previously been sold to a collection agency but never states to which collection agency, and yet they're still reporting. 

The FCRA law requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate or that the furnisher has reasonable cause to believe is inaccurate.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (TX)

Hi, I sign an Deferment Agreement on XX/XX/XXXX it was never credited to my account and Im still receiving fees for the status of my acct. when i try to pull up the deferment agreement it is missing. The agreement would have covered 2 half payments for XXXX and XXXX and then I made a full payment to cover the rest. The only payment outstanding as of XX/XX/XXXX is XXXX but they show XXXX, XXXX and XXXX payments past due. I cant even Monitor what payments are missing due to missing information on statements this company is a joke and how many times can one acct have these many problems. Im sick of having to report this one company. This is 100 percent retaliation and harassment against me for reporting them to the Federal government
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (AZ)

XXXX is unwilling to replace or solve the money stolen from my gift card. The customer service is awful, and is highly suspicious of a scam. If you look at reviews on XXXX  and other websites you will find that multiple people are getting scammed by this business. They ask for your personal information to be faxed to them to get a replacement card which never happens. They hang up on you when you inquire about specific questions. This company needs to be investigated!
Consumer complaint received 2021-06-08
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. (TX)

not mine : FCRA violations XXXX XXXX can see it : XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XX/XX/2004 Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2020-01-24
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. (WI)

You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (ID)

On XX/XX/XXXX money transfer good and service. XXXX XXXX XXXX on XXXX &, XXXX filed a charge back for {$300.00}. On same day paypal charge me XXXX. I made many attempts to contact XXXX XXXX by mail and DM with no response.meanwhile I had fork out XXXX to clear my paypal account. 

I was told it would be 75 DAYS to hear back from his bank by then paypal would take care of it. The issue is I paid it and paypal received information back in XXXX XXXX. State the following : " After reviewing the info we received, we were unable to cover this payment and have debited {$200.00} USD from your PayPal balance. Well attempt to recover this amount from the buyers financial institution. If were able to recover the payment, the money will be credited back to your balance. It could take up to 75 days for us to get a resolution. '' XX/XX/XXXX I spoke with manager from paypal. I explain everything told today is 75th day to see if they close the matter but now they are saying other 180 days. I need it close so I can take legal action by it open there saying possible money will to be return to me from court point of view. I already paid it so should be close matter and bank already advise paypal in matter in XX/XX/XXXX. Secondly, does not take 75 days nor 180 days complete a chargeback. Any assistance in this matter would be helpfully. 
regards XXXX
Consumer complaint received 2021-05-23
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. (VA)

XXXX and Equifax are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX  and Equifax on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to XXXX and Equifax requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.