davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

My brand new car was totaled back in XXXX. I received a statement, after my insurance made a pay out and additional money was released to Ally financial because I had an extended warranty on the car. There was a remaining balance of XXXX and some dollars because I was not aware of the need for gap insurance at the time I purchased the car. The statement they sent said that the next payment that was due was for XXXX XXXX, 2018 in the amount of XXXX. The next thing that I received from them, was a letter threatening to take action against me and my co-signers credit because they claimed I owe them a {$360.00} payment that they said was then 2 days past due. I spoke with numerous people trying to get answers and resolve this issue and got disconnected from them several times when I asked to speak with supervisors. I was told to " disregard '' the statement I had received and that the letter threatening my credit is what I should pay in full. When I ask why that statement was sent if I was to just disregard it, no-one answers me, or I get spoke over and redirected to make the payment, and reminded of the threat to my credit for not making the payment.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (AR)

Opened XXXX XXXX Online card relatively 6 months ago to help improve credit rating. Was immediately approved with a {$600.00} credit limit. Always spent under {$250.00} and all payments made on time. Today without warning my credit line was reduced to {$230.00} with {$8.00} available to spend which increased my utilization percentage and card almost maxed out. I called XXXX Bank/Amazon to get an explanation and was told a letter would be mailed to my address and that it was a business decision after review of my account and credit report. My credit score dropped XXXX points today of which they are a part of that point lose. They have hurt my credit as opposed to helping it without warning or great explanation. I closed the account and was informed I still need to make on time payments and the card could not reopened once closed. This bank is doing more harm than good to helping consumers the reason I had opened the account. They have dropped my score instead of raised it. This matter needs to be addressed.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Date : XX/XX/23 Amount : {$2200.00} + {$25.00} Wire Fee Detail : My computer was hacked on XX/XX/23 and the hacker was able to remote in and log into my Chase checking account ending in XXXX and gain access to my XXXX text messages, including the one-time code sent by Chase. The hacker initiated a {$2200.00} domestic wire transfer to XXXX XXXX Bank, an entity I have no knowledge of. Attached is a copy of my XXXX checking account statement Bank Response : I reported the fraudulent wire transfer to Chase on the same day the transaction occurred. I received the claim denial letter dated XX/XX/23 ( attached ) from Chase on XX/XX/23. 

Follow-up Action : I contacted Chase on XX/XX/23 and reiterated that I didn't authorize the wire transfer on line nor am I a recipient of the transfer. Chase again denied my claim.
Consumer complaint received 2024-02-13
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. (TX)

I am filing a complaint against TransUnion regarding their repeated failure to adequately address my dispute letters concerning inaccurate items on my credit report. I sent these dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each of these letters included copies of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received identical responses from TransUnion on XX/XX/XXXX, and XX/XX/XXXX, stating that they couldn't process my requests as it didn't appear that they were sent directly by me or an authorized third party. This consistent failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of all my dispute letters sent to TransUnion, along with their responses, as evidence of my repeated attempts to resolve this matter.
Consumer complaint received 2023-04-22
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Based on my knowledge I don't owe this creditor.
Consumer complaint received 2022-07-18
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian. XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-04-22
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. (PA)

XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NY)

A debt collection company : SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company keeps trying to collect a debt that been paid by New York State Emergency Rental Assistance Program I tried to contact them and dispute the false information but they continually harassing me with payments for dates already paid and reporting me to the credit bureau even after more than one year from receiving the government payment
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2024-02-13
Product: Credit reporting 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)

A charge off is a certificate of indebtedness and considered income. I have opted out of any authorizations to share my personal information per 15 USC 6802. See attached.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/XXXX ; FXXXX 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 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 2022-07-18
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. (GA)

The accounts listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXL ) XXXX : {$540.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2015.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (OK)

I am writing this due to non-compliance with Equifax. 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 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (OH)

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2018-03-15
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. (TX)

There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma (TN)

Two or three years ago I searched XXXX for a free credit report. Credit Karma being a known institution, naturally I entered Credit Karmas website. Upon entering the information being asked of me, a pre-approval notification appeared. Within a few minutes my application was approved, a deposit was made and an account was open. The account was used fairly often until a new account become my primary. After starting a new job the decision was made to use credit karma for direct deposit. After the first deposit was made on XX/XX/XXXX for the amount of {$250.00}, a transaction and withdraw attempts was made with a credit karma card without success. Credit karma was contacted immediately. Without notice credit karma closed my account due to lack of usage. The direct deposit went to the save account instead. Upon several attempts to transfer the funds to an external account, after days of speaking to different credit karma associates, I was still unable to access funds. On XX/XX/XXXX the decision to close my save account in hopes of solving the issue. Several days later still no access to funds that are in my save account. It was said that a paper check was sent to the address on file on XX/XX/XXXX, and allow 7-10 days for processing. After receiving an email on XX/XX/XXXX stating that the paper check was sent back. Once again credit karma was contacted. Today XX/XX/XXXX I still have yet to have access or have received my funds. This report/ complaint is in hopes of receiving help to collect money that is owed to me. Other wise Im afraid Ill never see my funds that were direct deposited into credit karma save account.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has Reported a XXXX XXXX on my Credit Report without my acknowledgment, And that is illegal. Code 15 US 1601 states. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Account number XXXX Capital One n accordance with the Fair Credit Reporting act XXXXXXXX Account # 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 Also the amount reported IN XXXX AND XXXX are inconsistent meaning wrong information is being reported and without my permission.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/2020 I have tried exhaustively to work with Experian to mitigate the damage to my credit report that is the result of identity theft. I have submitted the required documentation to have specific information thats on my credit report blocked and is the result of identity theft, but each time they respond with the same email telling me that I have not submitted the required information. In this email they list whats required to be sent, all of which they were in fact already provided. Since XXXX I have spent more than XXXX hours trying to deal with them, but they make it impossibly hard to speak to anyone over the phone and when I do get through to an actual person, rather then help with my concern, I get transferred around to different departments until eventually someone hangs up on me. Their failure to act in accordance with the law in processing my block request has resulted in actual damages, as the credits i actually do business with see me as a high risk solely as a result of the fraudulent information on my report. 

I have attached copies of the documents I have sent them as well as their most recent reply.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax intentionally excluded all account numbers from items listed on my credit report. I downloaded a copy of my credit report today on XX/XX/21 from XXXX. My intentions were to dispute all negative invalid entries placed on my credit file by debt collectors. I want to dispute all negative entries in writing with certified mail and return receipt requests. I have no interest in filing disputes via Equifax online dispute method. 

Equifax is trying to force consumers to use their online dispute methods by removing the account numbers from everything listed on my credit report. 
I'm requesting that Equifax provide me with the account numbers for ALL of the following entries listed on my credit file or delete ALL of the negative invalid entries immediately from my credit profile. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2020-11-24
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: Paypal Holdings, Inc (CA)

I have a Venmo account. I transferred {$100.00} to my niece XXXX XXXX onto her Venmo card but after trying for several days to access the funds, she got frustrated and asked Venmo to return the funds to me. 
I requested Venmo to return my funds but they are saying they need access to her username something that I do not have since its her personal information. I can easily access her details on the XXXX app while on the Venmo App. by simply typing in her name. How is it that I can access her details and they can't?