davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian is furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This has been reported to trans union, XXXX, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep screwing up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX.
Consumer complaint received 2022-03-09
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. (NY)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : 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
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-10
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. (NY)

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 2022-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2021 I made a XXXX transfer of {$500.00} thru Bank of America to a friend XXXX XXXX XXXX who has account with XXXX Bank. About 20 minutes later I called my friend to confirm receipt but he said the money was not credited into his account even though the money was taken from my account by BOA. I immediately called BOA and informed them but they told me the money was sent to an account at XXXX but my friend said he had NEVER operated an account with XXXX. I suggested to the Bank officer that it is less than 30 minutes the transfer was made and that they should do something before the money fell into a wrong hands. After series of communications on phone they wrote me to say that they are investigating and that they sent the money to the right person. When I asked them to provide me with the name and the phone number of the person they sent the money to as registered by XXXX they could not. It is now going to 4 months since I have been asking BOA for my money but they did not care about my feelings hence my writing this letter to your organization. Attached herewith are 2 letters received from BOA on the issue, the profile of the true beneficiary of the money and letter i wrote to BOA in XXXX on the subject matter Thanks for your help and God bless.
Consumer complaint received 2021-11-29
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. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-29
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: Resurgent Capital Services L.P. (SC)

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 LVNV FUNDING LLC still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance {$650.00} ;
Consumer complaint received 2021-11-29
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXL XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax 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 unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains 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 unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting Equifax Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from Equifax. There was definitely an error on their part. There was definitely an error on their part. Equifax is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-06-24
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. (FL)

I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to XXXX separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that expXXXX XXXXXXXX XXXX XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.
Consumer complaint received 2022-01-10
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: LEXISNEXIS (OH)

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letters and it's more than 60days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Bankruptcy court name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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. (AL)

I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that stupid excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me emotional stress for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action
Consumer complaint received 2022-01-10
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: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX JPMCB auto finance placed a late payment on my consumer report without my consent. According to 15 USC 1681 ( b ) permissible purpose consumer report clearly states subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom he relates. Based off the law of the FCRA 15 USC 1681D stated above this is by definition identity DEF. Ive been in contact with a supervisor XXXX employee ID number XXXX and advise him that their company is in clear violation under the FCRA into remove this late payment expeditiously. XXXX informed me on XX/XX/XXXX that he would be in contact with their credit department team to get this removed however this late payment should have never reported to my consumer report without my consent in the first place. In accordance with 15 USC 1681 ( a ) definitions ; rules of Construct ( 2 ) I ask collusions Dash exit as provided in paragraph ( 3 ) oh, the term consumer report does not include ( I ) Report containing information solely as two transactions or experiences between the consumer and the person making the report. Late payments is and transaction with the line of credit that was extended between the consumer ( me ) and the person ( Chase auto finance ) that is making the report. Congress clearly states that the report should not include transactions. This late payment being furnished on my consumer report has hindered me from getting optimal APR percentage rates and Ive been denied for credit extensions due to this late payment being furnished illegally without my consent. Which under 15 USC 1681 ( n ) civil liability for willful noncompliance ( b ) any person who obtains a consumer report from a consumer reporting agency under false pretense or normally without a permissible purpose shall be liable to the consumer reporting agency actual damages sustained by the consumer reporting agency of {$1000.00} per violation which ever is greater. I am holding JPMC be auto finance responsible for damage is sustained.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NC)

I'd like to request CFPB ' assistance resolving an on-going fraud protection investigation case with American Express Bluebird in the amount of {$2100.00} in fraudulent online charges I incurred on my Bluebird card on XX/XX/XXXX and XX/XX/XXXX, that appears hopelessly stuck in AmEx 's recurring, on-going investigation process. 

Further, Amex has zero adherence to their most basic fraud protection provisions defined in their user agreement, which states Amex will provisionally credit the fraudulent charge amount within 10 day 's of opening the investigation if the investigation requires additional time. I asked Amex CR representatives about this provision and they verbally acknowledge they don't comply with their written policies, which is disturbing because AmEx advertises fraud protection as a selling point. 

Event history below : - XX/XX/XXXX & XX/XX/XXXX, I incurred over {$2100.00} in fraudulent online charges on my American Express Bluebird card. One of the fraud charges included a very large overseas online purchase from XXXX in XXXX XXXX for {$2000.00}. For some reason Amex apparently doesn't trigger fraud alerts on large, overseas online purchases out of XXXX, which Amex couldn't explain. 

- XXXX : I notified Amex about the fraudulent charges after I logged onto my account and immediately called AmEx 's fraud protection number to initiate an investigation - XX/XX/XXXX : Amex declined all fraudulent charges. Although each fraudulent charge was disputed as a separate claim, Amex declined all because they intercepted a single fraudulent purchases before it shipped - because the merchant was going to refund that item, they said they had to decline all fraud charges and directed me to reopen the exact same claim again for the remaining items. 

XX/XX/XXXX : I reopened the same claim per Amex 's recommendation ( minus the one item Amex was able to intercept as mentioned above (. I asked Amex about the 10 day provisional credit because I have to pay my household bills out of this account, which they said they would apply if the investigation isn't resolved in 10 days. The provisional credit was never applied XXXX : Amex again declines all fraudulent charges because one of the smaller purchases for approximately {$50.00} ended up being a legitimate purchase but the merchant id was mis-labeled in Amex 's transaction detail as PDF which was a completely unrecognizable vendor. All other legitimate fraudulent charges were declined as a result. 

XXXX : Reopened the claim again per Amex 's recommendation minus the single item mentioned above. 

XXXX : Called AmEx requesting for an update on the investigation and the provisional credit as it's been over 60 days since the original claim was submitted but Amex had no update and suggested I keep waiting, which is unacceptable.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXdit Reports. The XXXX Credit Bureau is reporting inaccurate information on SYNCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. There was definitely an error on their part. 

SYNCB/XXXX XXXX Opened : XX/XX/2007 XXXX XXXX : {$0.00}
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX 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 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$470.00} XXXX XXXX {$1400.00} XXXX {$270.00} XXXX {$110.00}