davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Trans union has for past several months denied me of validate a debt. That I do not owe over the course of several months I sent letters disputing this fraudulent account via certified mail. Asking TransUnion to do a proper investigation and asking for any documents or contacts to verify this debt that I do not owe. I have been denied that right by law they have 30 days. Its now been several months and I have yet to receive any proof. Spoke with a TransUnion dispute agent. And was told its my job to contact the furnished to verify the debt. Wich is totally false and another violation of my rights under the fair credit act. We are now going to the 8th month and yet I still havent received any documents to show that this is a legit debt I owe. TransUnion just send it back as verified. This has cause a lot of emotional distress, wich caused me jobs, housing and credit. Because if TransUnion not following the laws under Fcra. Wich is required of them to do and my right as a consumer to have a proper investigation done for inaccurate information being furnished to my consumer report. And also TransUnion has denied me to be able to check my credit report. I had to call them about this multiple times and they still are denying me my rights.
Consumer complaint received 2022-09-19
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-03-15
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: Security Credit Services, LLC (NY)

In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.
Consumer complaint received 2023-03-15
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. (OH)

I discovered that some of the information 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXX : {$980.00} XXXX  XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-06-05
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: U.S. BANCORP (NJ)

i have Two inquiries on my credit report that i did not authorize nor have knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Elan financial Inquiry Date : XXXX
Consumer complaint received 2023-04-03
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)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-03
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. (TX)

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 a account without my written instructions
Consumer complaint received 2022-09-19
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. (VA)

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. 

XXXX XXXX Account 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 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 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 a account without my written instructions
Consumer complaint received 2023-04-03
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)

According to the Fair Credit Act credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. My experian report is used by majority of bureaus and wrong information greatly effects me with much higher credit card interest rates, higher home and car insurance premiums, and higher home mortgage interest rates as a consumer. This XXXX  account has been payed off as of XXXX XXXX. XXXX has been payed off as of XXXX XXXX.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

An account aXXXX XXXX XXXX  was open using me as an applicant without my consent on XX/XX/2019. This account resulted in having a negative balance which is showing up as a charge off in Chexsystems reporting. The account number was XXXX. 

PLEASE IMMEDIATELY REMOVE ME FROM CHEXSYSTEMS SHOWING A CHARGE OFF. I AM IN GOOD STANDINGS WITH XXXX XXXX. 

I HAVE ATTACHED MY NOTARIZED FRAUD AFFIDAVIT.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I am writing to express my frustration and disappointment with the service I have received from Chase Ultimate Rewards. 

I purchased a round-trip ticket from XXXX, DC to XXXX ( XXXX XXXX XXXX, returning XXXX XXXX ) using a flight credit through Chase Ultimate Rewards. I had originally used my Chase Rewards points to purchase the ticket. Unfortunately, my return flight was canceled. 

I expected that Chase would immediately notify me about a refund or credit for my canceled flight. Instead, Chase never contacted me. 

After several days, I called Chase to inquire about the status of my refund. Chase instructed me to contact XXXX XXXX directly. That was despite the fact that all of my dealings in purchasing the ticket had been with Chase. Nevertheless, I did contact XXXX. I spent several hours on the phone with XXXX. On XXXX XXXX, XXXX issued a refund of {$230.00} to Chase since Chase had originally purchased the ticket on my behalf. 

Despite Chase receiving the refund, they have failed to forward the refund to me. This situation has been ongoing for over two months. I have spent countless frustrating hours on the phone with Chase representatives trying to resolve this matter but have had no success. 

Chase 's inexplicable decision to keep the funds itself and not provide me with a refund is unacceptable. I expect to receive my refund immediately, along with additional compensation for the time and energy I have spent on this matter, which should have been a straightforward transaction. 

I am writing to request that the Consumer Financial Protection Bureau investigate this matter and ensure that I receive the refund I am owed, along with appropriate compensation for the time and energy I have spent on this case.
Consumer complaint received 2023-04-03
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. (VA)

This is a notice of liability for criminal activity that the third party interlopers are using my data for pecuniary purposes. I have not supplied proof under The doctrine of Estoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I presume that no proof of the alleged debt nor therefore any such debts exist in fact. In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These entities also violated 15 U.S. Code 1602 ( p ) and violated 18 USC 894. Whereas these debt collectors : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, etc. have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I did not authorize any third party to contact me via email, phone, or US mail. All presentments by unnamed writers are in violation of 18 USC 1341. By using my likeness ( Trade name ) to coerce me into a scheme to extract government obligations 18 USC 8. Names reported : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ). All entities reporting themselves as CREDITORS in violation of 18 USC 914. Whereas these Foreign entities have not produced the contract pursuant to 31 USC 3718 to collect 18 USC obligation or other security of the United States.
Consumer complaint received 2024-09-13
Product: Credit reporting 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. (FL)

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 
I spoke with the fraud team and they told me I have the right to request those fraud inquiries below for deletion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-03
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. (VA)

This is a notice of liability for criminal activity that the third party interlopers are using my data for pecuniary purposes. I have not supplied proof under The doctrine of Estoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I presume that no proof of the alleged debt nor therefore any such debts exist in fact. In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These entities also violated 15 U.S. Code 1602 ( p ) and violated 18 USC 894. Whereas these debt collectors : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, etc. have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I did not authorize any third party to contact me via email, phone, or US mail. All presentments by unnamed writers are in violation of 18 USC 1341. By using my likeness ( Trade name ) to coerce me into a scheme to extract government obligations 18 USC 8. Names reported : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ). All entities reporting themselves as CREDITORS in violation of 18 USC 914. Whereas these Foreign entities have not produced the contract pursuant to 31 USC 3718 to collect 18 USC obligation or other security of the United States.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Victim of identity theft have proper documentation, ftc report, police report etc. XXXX credit acceptance needs to remove inaccurate and fraudulent account number XXXX from all XXXX bureaus immediately!
Consumer complaint received 2023-04-03
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 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 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

We have continued issues with CARRINGTON MORTGAGE SERVICES , LLC They hold funds, charge a late fee then take months to fix the issue they created. This is the second formal complaint we are filing, the previous complaint number is XXXX At the time of writing this complaint, my payments are 2 months ahead of what is due. Typically I pay my mortgage a week early using auto-pay as shown in the attached payment history. I have done this in an attempt to avoid further dealings with CARRINGTON MORTGAGE SERVICES , LLC The issue... 
I was called after a late charge was assessed and told that I was behind in my payments. I immediately paid what they asked for then asked them to fix the issue and reverse the late charge. I was actually paid ahead and because they were not able to apply the funds accurately they left them in unapplied funds or automatically applied them as extra principal payments. 

I called on multiple occasions and ask them to fix the application of funds. Each time I asked them to explain the terms used in the payment history and how to avoid the issue in the future. Each time they were unable to define the terms and asked that I call back in a few days to check if the issue was corrected. 

Issues with CARRINGTON MORTGAGE SERVICES , LLC - they are a collections company not a mortgage payment processing company and treat customers poorly as if they are expecting the customer to dodge them and not pay. 
- they are not able to accurately and efficiently apply payments to the account, nor are they able to explain their own payment history decisions or terms - their policies force you to call them many times to fix an issue they created- I have spent many many hours dealing with CARRINGTON MORTGAGE SERVICES , LLC even though I am on autopay and pay in advance. 
- I consider this company as a scam and am sad they have my mortgage
Consumer complaint received 2023-03-15
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (TX)

Today, I got a call, while at work, from the XXXX County District Clerk office and The phone number was XXXX, which I XXXX  and confirmed the number is real. The " clerk '' advised me that they were trying to serve me with a paper, but I haven't been home to be serve. They also said I was being sued for Fraud and to called XXXX with this XXXX # XXXX for more information. When I called that number, A lady name XXXX said she was paralegal and they were a law firm, then asks for the case number. Once I gave it to them, She verified my first and last name, address, and my full social security number to me ( I did not offer that information ) and also that I haven't been serve yet. She said that XXXX XXXX XXXX is suing me for fraud because I didn't pay them and I had the intend not to. They kept asking when I will be home to serve me. I ask is there any way for me to not be serve and offer to pay it. They said they will ask and put me on hold for a while then said yes, if I paid {$1700.00}. I went ahead and paid it and they have a collection company ( National Management Recovery Corp. ) emailed me a receipt. They never told me the name of collection company. they claimed they will cancelled the lawsuit. After getting off work, I thought about it and realized it may have been a scam and I try to contract the County clerk office to verified the lawsuit but no one answered. I believe that it was a collection company misrepresenting themselves has a law firm. I called my bank and cancelled my debit just in case the try to charge me again and the bank said the transaction was a medical company, so they are looking into it. I attachment a screenshot and you can see where the XXXX XXXX clerk call me and the receipt I got from the collection agency.
Consumer complaint received 2023-04-17
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. (IA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion, XXXX, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have yet to receive in response.