davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (NM)

On XX/XX/2024, I XXXX XXXX disputed through Experian a debt from a debt collection agency by the name of XXXX XXXX XXXX which I have no contract with. The Experian investigation concluded through their investigation that the reported credit results were factual on XX/XX/2024. Absolutely no contract, original documents, nor any document or proof that the account is or was ever mine nor how Experian determined how they reached the conclusion of this investigation. It appears as if someone made a simple phone call or document and took a random persons word without legitimate factual legal proof
Consumer complaint received 2022-06-28
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. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written off.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/22 i issued a {$10000.00} check to my broker ( XXXX XXXX XXXX ) from my personal CHASE account on XX/XX/22 i was contacted by XXXXXXXX XXXX that someone had stolen the check and attempted to deposit that check into their personal account. XXXX picked up that the check was made out to XXXX and although the money was removed from my Chase account did not credit the thief 's account. XXXX told me to contact Chase and the money ( {$10000.00} ) would be promptly returned ( deposited ) back into my account. 
on XX/XX/22 i went into my local Chase branch and filled out all the paperwork for the " unauthorized endorsemen. '' on XX/XX/22 i was told by chase that all paperwork was " mailed '' to XXXXXXXX XXXX and w/in XXXX days the money should be returned. 
the Chase claim number is XXXX I have called Chase on numerous occasions and i am being told there is nothing more they can do - we simply need to wait for XXXX XXXX to respond. i have asked why they can not return my funds to me and when XXXX decides to return the funds they would go to Chase- or in the alternative contact XXXX again to ascertain that they actually got the original paperwork -- i am told that is not the procedure. 
the system is flawed in that ( XXXX ) there is no incentive for Citizens who is holding the money to promptly return the funds and ( XXXX ) Chase owes me the money and there is no incentive for them to have the money returned to me - there should be a penalty to one or both of them for this ridiculous delay
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (MI)

Enhanced recovery Is reporting TWO accounts that have expired due to the Statute of limitations of 7 years, Fraudulently saying one became delinquent in XXXX and another in XXXX. 

The information obtained are from my credit report as they have made NO attempt at communication, including a debt verification. Nor have they responded to my Debt verification request. 

The accounts are XXXX XXXX XXXX  : XXXX Both accounts are from XXXX ( first delinquency ) They have indeed received the Verification request as they just again updated the status to owed and due as of XX/XX/XXXX XXXX
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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: CORELOGIC INC (NJ)

My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I don't have any late payments or any missed payments. Yet XXXX and Equifax minus points off my credit score constantly. Recently XXXX took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both XXXXXXXX XXXX XXXX are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have XXXX charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the XXXX XXXX XXXX  from harassing and trying to intimidate me? What XXXX XXXX over sees the credit bureaus?
Consumer complaint received 2022-06-13
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: General Motors Financial Company, Inc. (NJ)

My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-10-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

I was told that I was supposed to be put on a community well until the city water become available. It has been 11 months. During this time other people got moved in on this " community well '', My animals got sick, My kids got sick, my clothes got bleached, my health was affected. Anyways I found out that 1 I don't have a community well, 2 I won't get city water until the developer complies with the rules and regulations, 3 apparently XXXX XXXX has some money put aside to pay for this I never knew IDK how much that is. 3 there's no water test there's no well that I can find that was tested to make sure it was ok. I don't know if this water I am using is safe for my family. I got a land developer, a septic installer, and a site contractor that all one person but hey I guess XXXX makes you a XXXX of all trades. 

XXXX, XXXX XXXX you guys are the worst. Then I go to the county to pull the permit records and XXXX this fool signed off on the permit that I was on city water?!? its just one thing after another
Consumer complaint received 2022-06-28
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 an account without my written instructions
Consumer complaint received 2021-12-08
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX
Consumer complaint received 2022-06-14
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)

The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent my FTC REPORT and Credit letter off on XX/XX/2022 to TransUnion. I told TransUnion to remove 3 fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

I have been locked out of my Coinbase account since XXXX XXXX XXXXXXXX now. I had a security key which was lost and I could not get in my account. I sent Coinbase an email to regain access to my account and they replied with a link to verify my identity. I did all the steps they required and sent all documents like Id, social, and a photo of me taken next to my ID. The issue has still not been resolved I have contacted them several times and all I get is that I have to wait. I have no way of checking on my funds or selling/cashing out any funds. There is no phone number I can contact them through. No one is helping me get I to my account.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (HI)

I need to pay my credit card but Comenity banks website is down so I can't login or pay off my card. They shut down their phone lines/ services so when you try to call, there's no one there. The website has been down since XX/XX/XXXX. I'm worried that by not being able to login and pay that my bill will go up and my credit score will go down
Consumer complaint received 2022-06-10
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. (FL)

Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.