davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

re : XXXX XXXX XXXX XXXX frequent flier XXXX XXXX On XXXX XXXX, 2023 XXXX cancelled the above flight for XXXX  XXXX e-ticket XXXX XXXX XXXX to XXXX XXXX, It had been charged on Chase card XXXX XXXX XXXX. However, that card had been cancelled, and replaced by Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023, I received a response to refund request re : electric ticket ( open ) ticket XXXX  XXXX tracking XXXX XXXX. It said " all eligible refunds are credited to the original form of payment used... allow XXXX business days for processing.... please contact your credit card company... I have contacted both XXXX & Chase multiple times, and to date, no refund {$1100.00} now after XXXX months requesting {$1100.00} + interest. XXXX xld the flight, and I have not received any refund. XXXX refund dept said ( once again ) that I would hear by last Tuesday, XX/XX/XXXX. No answer. 
It was charged on Chase XXXX. The card was cancelled and we requested XXXX that they put the refund on XXXX. 
Have spoken with XXXX & Chase multiple times & nothing done.
Consumer complaint received 2018-01-30
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. (TN)

I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. Thank you.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, 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: Santander Consumer USA Holdings Inc. (VA)

I got a new car loan with Santander Consumer USA in XXXX of XXXX, initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to Santander Consumer USA and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XXXX of XXXX a while after I got stationed in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My Credit Report is showing XXXX hard inquiries that I do not recognize, I do n't believe I authorized these credit checks. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-01
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. (WI)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX. 
Stating again they are representing HSBC. 
this man openly admitted the account is 9 years old and when I asked him what Statue of  Limittations were in California couldn't give me an answer. 
he wanted me to accept a XXXX for the debt in which I refused and hung up. 
I would like action taken against this company and XXXX XXXX. for selling my personal information. 
I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation from XXXX dated XXXX XXXX subsequently XXXX has removed this bankruptcy from there record outline by the Fair Credit Reporting Act. To the present. Experian still Certified that this information from XXXX is accurate and it remains on my credit report preventing me to obtain any credit.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery and Associates currently reports misleading, and multiple inaccurate information on my consumer credit reports. 

Accounts : Original Creditor : XXXX XXXX XXXX XXXX  reporting with multiple inaccuracies. Company did not validate debt accordance to FDCPA section 809b a violation. 

Account : Original Creditor : XXXX XXXX  XXXX ; Account can not be completely validated as required under federal law.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (AZ)

I tried to contact plaza services and was given false information and they have something on my credit report that is fraud and not mine and I have tried to take care of the issue with them to clear it but I am always greeted by a rude call taker that is not listening to what I am saying. Furthermore this is a violation of the consumer laws especially 15 U.S. code 1601c. I did not authorize this and this debt doesn't match my information at all.
Consumer complaint received 2024-02-28
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP ()

I am living in the XXXX and I request to send me a new atm card because the one I have is having some issue but I told them if then can do the expedite for shipping because the last time took almost 2 months to received the card and I really need to get an access to my money.and now I am having the same issue, I have some emergency and I call them that I need to get access to my account and they can't help me because I need to wait for my new card to arrived which is I don't know the exact date and the hospital won't admit me because I need to pay first before I can get admitted.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-11-02
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. (GA)

TransUnion is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are 3 fraud inquiries on my XXXX report. 

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 want them removed immediately. Police report and Identity theft reports have been made. I have disputed these, they are not correct, and they are affecting my ability to get credit.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax are reporting inaccurate information the account listed as XXXX XXXX XXXX has several inconsistencies which means the is account could not have been properly validated or verified. 

The information listed incorrectly is as follows : Last Verified 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 Equifax is not.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2021 I contacted XXXX, Transunion and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5.XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX  - Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX XXXX
Consumer complaint received 2018-01-30
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)

transunion and XXXX  has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

hard inquiries on my account i did not made. 

US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-21
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have tried on multiple occations to fix my inaccurate personal information that's reporting to this company. I receive item was verified when it can't be correct because I send my drivers license and proof of address. Nothing every gets correct and still inaccurate information stays on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated : XXXX XXXX XXXX # XXXX PLEASE DELETE error I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. I have never done any business or open any contracts with XXXX XXXX XXXX
Consumer complaint received 2021-01-21
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: ENCORE CAPITAL GROUP INC. (NY)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX  XXXX  XXXX, Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (NJ)

I Have been a victim of Identity Theft for a few years now. XXXX Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date updated for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.