davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2021-11-11
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: AMERICAN EXPRESS COMPANY (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, 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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the incorrect inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquired XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2021-11-11
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: JPMORGAN CHASE & CO. (CA)

I had two fraudulent charges on my credit card on XX/XX/XXXX : 1 ) XXXX and 2 ) {$3000.00}. Both US $ equivalent as the charges were XXXX XXXX to the XXXX XXXX. I have received a phone call from the credit card company about the attempted charges on XX/XX/XXXX and I told them no I did not authorize those charges. I called back on XX/XX/XXXX to make sure that it is reported as fraud. I received a letter dated XX/XX/XXXX that my claim was denied. I called back the credit card company once I saw my claim denied, on XX/XX/XXXX disputing the charges and followed up on email that the charges are fraudulent. I continued to appeal again and also filed a police report on XX/XX/XXXX as a victim of credit card fraud and identity theft. I had called the credit card company and told them I filed a police report and provided the report number. I also followed up on email. I received a letter dated XXXX that my transactions are valid and my fraud claim is closed. They stated they have researched my claim thoroughly. This is completely false, because there is no reason why I would buy anything from XXXX. I am based in California.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-11
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: DISCOVER BANK (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-11
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: Exeter Finance, LLC. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Balance {$16000.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2022-09-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and 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 Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2021-11-11
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: CARVANT FINANCIAL LLC (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have a loan with CARVANT FINANCIAL LLC. 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 XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2022-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

Has requested a debt Validation request along with A FULL AUDIT TRAIL, LIMITED TO GENRAL LEDGERS, PURCHASE LEDGERS, ANY BOOKKEEPING, ANY PRINCIPAL INTEREST OR INTEREST INCOME APPLIED ON PRIVATE LEDGERS. NFCU HAS NEVER GIVEN ME THE OPTION OT OPT OUT OF HAVING MY PERSONAL NON PUBLIC INFORMATION SHARED, NEVER HAS SUPPLIED PROOF OF SUCH. PURSUANT TO 12 CFR S EC1016. ANY ACCOUNT MUST BE DELETED. AGGRAVATED IDENTITY THEFT. NAVY FEDERAL CONTINUES TO VERIFY THE ACCOUNT AND ACCURATELY. WILLINGLY REPORTING THIS INFORMATION UNDER FALSE PRETENSES.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Ok this is for TransUnion. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to TransUnion to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
Consumer complaint received 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-09-24
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 know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ). promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has a overdraft protection program that is wreckless with people, mostly veterans and military who bank with them. 

For XXXX USAA has charged a total of {$380.00} dollars on overdraft fees. 

For XXXX USAA charged me a total of plus {$700.00} dollars. 

However, the way the interface of phone app and online website accounts are set up are different than what they see to process NSF fees. 

I could see I have money to cover those expenses. However, they see a different amount resulting in charging NSF. 

It is unfair to charge someone NSF when the individual is not able to see the true amount of money they have in the accounts to make informed purchases and informed transfers to cover a bill pending to post.
Consumer complaint received 2021-11-11
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. (NY)

I send a letter to Equifax Credit Information Services incXXXX on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account Number:XXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXX XXXX  XXXX/XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2021-11-11
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX-Balance {$0.00} XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$8400.00} XXXXBalance {$18000.00} XXXX XXXX-Balance {$230.00} XXXXBalance {$510.00} XXXX-Balance {$720.00} XXXX  XXXX-Balance {$1300.00} XXXX-Balance {$230.00}
Consumer complaint received 2021-11-11
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: American First Finance, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-11
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that XXXX Credit Bureaus are efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CO)

Comenity Bank is reporting a 30-day late payment on my credit report for the month of XX/XX/2022 despite on time payments. I previously submitted a dispute directly with the creditor. I received a message saying the information is accurate despite not providing any documentation that this account was indeed 30-days past due. This error has resulted in my credit score dropping XXXX XXXX  and has prevented me from being able to obtain a mortgage. Upon trying to resolve this issue with Comenity Bank I spoke to representatives in addition to writing a dispute letter to ensure this issue would get corrected. Comenity Bank has not cooperated in removing inaccuracies from my credit report. My rights as a consumer have been violated per FCRA 609/611.
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (KY)

RE : Violation of 15 USC 1692 ( a ) and 18 USC 1961 Racketeering Discovery Since 2021, CAINE & WEINER has been ruining my reputation. As a result of CAINE & WEINER illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. 

Please see attached for further details regarding this matter.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX  has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Credit Bureaus are reported an alleged bankruptcies on my credit report. XXXX XXXX informed that they provided the credit bureaus with no such information regarding these alleged bankruptcies and the courts also stated the same information. Since XXXX XXXX  has verified that they did not provide this information, I am challenging the validity of these and wanting full documentation.