davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: U.S. BANCORP (IA)

The XXXX XXXX XXXX XXXXXXXX XXXX granted me a {$77.00} credit on my Fidelity CC that is serviced by U.S. Banks Elan Financial Services. The vendor processed the credit on XX/XX/2023 and has provided me with the credit slip and authorization # XXXX. I contact Elan at XXXX and they tell me the vendor has not sent the credit through. When I provide them with the authorization # they do not provide an answer as to why the credit has not been added to my account and they say it's a problem with XXXX XXXX credit card services provider. XXXX has been very helpful and they too are wondering what is going on. This appears on their online platform : XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX - {$77.00} Pending XX/XX/2023 Amount {$77.00} Last 4 of card XXXX Type DEFAULTCREDIT
Consumer complaint received 2020-05-04
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)

I had a negative account listed on my Transunion Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with Transunion on XXXX and they had removed it on XXXX. However, on XXXX, Transunion reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, XXXX.
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc. (NV)

I took out a Signature loan with Advance America in XXXX Nevada and I was paying my payments on time and then the website for this company went down for 7 days approximately. At that time I couldn't make my payment because the website was down. After it was back up I received an email that apologized and said they would work with people on this issue and not charge fee 's and things like that. I told them that the missed payment can be added on to the end of my loan ( I have made every single payment on time except for when the site went down ). Well I have been called and emailed every day about the missed {$100.00} payment and I keep telling them I can pay only the {$100.00} twice per month and now they are telling me I owe the whole loan! I am being harrassed and it isn't really my fault. 

Thank you, XXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has XXXX " open accounts '' on my credit report that they WILL NOT UPDATE OR REMVOE! 

Account # 1 : a PAID OFF CAR LOAN with " XXXX XXXX XXXX XXXX '' ( car loan PAID OFF in XXXX, 2019! ) Account # 2 : an account I NEVER OPENED with " XXXXXXXX XXXX '' from 2019. 

Experian has MADE IT IMPOSSIBLE TO REACH A HUMAN BEING TO DISCUSS THE ABOVE TWO ISSUES!
Consumer complaint received 2023-03-22
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. (MO)

I was never late payment account was paid off as reflected by my proof. XXXX reported account was current and no past due. However Experian and XXXX does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. XXXX and Experian are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I was purchasing electric car chargers from a person on a XXXX group. I used XXXX at my Chase bank to transfer money. I have not received shipping information nor do I expect to at this point. 
How can Chase be allowed to promote a service where there is no recourse for getting scammed? If I use a debit card I can get recourse. If I use a credit card I can get recourse. How is this different?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account was delinquent on XX/XX/XXXX. It is currently XX/XX/XXXX and still furnishing to my credit report. It has reached its stautue of limitation and should be removed immediately.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MD)

I leased a vehicle through Ally bank. At the end of the lease the vehicle was returned to a dealer per instructions from Ally. However there was no option to pre-inspect the vehicle to assess if any excessive wear and tear that will cost extra, and Ally does not actually tell you if you owe anything for excess wear and tear until the vehicle is sold at auction (! ) which could be weeks ( or even months? ) after the vehicle is returned. 
This seems to me to be unfair and unreasonable practice. 
As a buyer I should be entitled to a per-return check of the vehicle ( so that I can decide whether to fix any issues myself ) and a speedy ( on the spot during return or within a few days ) assessment regarding payments for excessive wear and tear, as well as a process to contest any alleged issues.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I received an email from Chase bank. Says J.P.Morgan, they want me to update my account information. I do not have a account with Chase bank and I know not everyone is wise to this scam so I am reporting it. They got zero information from me
Consumer complaint received 2020-10-21
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. (TX)

XXXX credit bureau is in violation of UDAAP ( practicing deceptive practices ). I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. XXXX CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as XXXX frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.
Consumer complaint received 2020-10-21
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. (TX)

Experian credit bureau is in violation of UDAAP ( practicing deceptive practices XXXX. I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

THE PRE-FILLED OPTIONS DID NOT APPLY TO MY COMPLAINT I SELECTED THEM TO GET TO THIS PORTION SO I CAN EXPLAIN WHAT IS GOING ON I CALLED WAYPOINT TO DISCUSS A OLD XXXX ACCOUNT THAT I SHOWED ON MY CREDIT I ADVISED I WOULD PAY IT IN FULL AND REQUESTED A LETTER STATING THEY WOULD REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT THEY ADVISED THEY COULD NOT DO THIS WITHOUT XXXX CONSENT AND STATED THEY COULD ONLY PROVIDE A LETTER STATING THE BALANCE WAS PAID IN FULL I THEN CALLED XXXX DIRECTLY THEIR CUSTOMER SERVICE DEPARTMENT ADVISED THEY COULD NOT GIVE ME THE LETTER SINCE I WAS CALLING IN I COULD HOWEVER GO TO A XXXX STORE SPEAK TO A MANAGE PAY THE FULL BALANCE WITH THEM AND GET THE LETTER I WENT TO THE XXXX STORE ON XX/XX/2019 PAID THE FULL BALANCE AND RECEIVED A LETTER STATING XXXX AGREES TO REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT I CALLED WAYPOINT THEY REQUESTED I EMAIL THE LETTER SO I DID THEY REFUSED TO DELETE THE ACCOUNT ALTHOUGH I HAVE THE LETTER FROM XXXX STATING IT WOULD BE REMOVED AND DELETED AS THEY REQUESTED THEY ARE REFUSING SAYING THEY WILL ONLY GIVE ME A LETTER ADVISING THE ACCOUNT WAS PAID IN FULL BUT BEFORE THEY SAID THEY COULD ONLY REMOVE AND DELETE THE ACCOUNT WITH XXXX PERMISSION WHICH I OBTAINED NOW THEY WONT ANSWER THE PHONE WHEN I CALL AND I NEED THE DELETION LETTER TO PROVIDE TO THE CREDIT BUREAUS I HAVE ATTACHED THE LETTER FOR REVIEW AND I CURRENTLY HAVE THE PHYSICAL LETTER AS WELL
Consumer complaint received 2020-10-21
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. (IN)

There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared
Consumer complaint received 2020-10-21
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. (IN)

There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared
Consumer complaint received 2023-01-31
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. (PA)

Disputed late payments multiple times regarding XXXX XXXX XXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (UT)

they have been charing me all these ridiculous balance tranfers fees for years which were way too high and way out of line I finally am able to the account off I paid XXXX less asking for at least a XXXX interest back they charged way too interest over the years on these balance transfer fees all my charges are all paid and the rest of XXXX is part of this crazy interestet over the years I have contacted here corp offices and its been a month none of there employees want to help atl one of the ladys called me 3 weeks and have not heard a thing since then this corp office employees horrible have no clue what they are doing I am upset and want my at  least a XXXX of my intesest back
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

Name of Company : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Amount : {$3700.00} This account is on my credit report, this is not my account. I have disputed the account and the removed it from one credit report. The company then placed it only credit report with a new balance of {$3600.00}. I need this account to removed from all three credit agency.
Consumer complaint received 2020-10-21
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: U.S. BANCORP (CT)

On XX/XX/20, I was charged a {$76.00} charge from a company called XXXX XXXX out of MN. I live in CT and have never been to MN. I disputed this with my credit card and did receive a new credit card ASAP. However, I have called my credit card company 5 times to get the charges reversed and they have failed to do so.

Also, I pay by bill in full and on time every month. Every month they charge me a finance charge which I have to fight to get back. This month it is {$12.00}.
Consumer complaint received 2023-01-27
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. (NJ)

I discovered that some of the items 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : 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 2020-05-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2022-04-05
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. (AL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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 — Was not notified of investigation status or results
Company: Merchants Adjustment Service, Inc. (AL)

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and MERCHANTS ADJ SERVICE failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX and XXXX have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2020-10-21
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. (AL)

I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX. XXXX - XXXX
Consumer complaint received 2023-01-24
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: Driveway Finance Corporation (FL)

Sent identity theft letter to all XXXX credit bureaus, XXXX, XXXX and XXXX. I also reported to creditor and did not received results. I sent letters to credit bureaus on XXXX XXXX
Consumer complaint received 2020-05-04
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 ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.