davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-29
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. (PA)

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 the 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 4-5 months.
Consumer complaint received 2023-07-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-07-20
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. (TX)

I acquired my credit report and ask the credit bureaus XXXX and make sure everything was complete and accurate according 15 usc 168i ( 5 ). I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is XXXX and Experian didn't removed anything. They just sent it to a computer and didn't do anything. The date open is not correct date last active is not correct. They also have no ( no data ) which is not correct. Which is a violation. This impacting my life. I have attached a copy of my credit report. It has been past sevens years and they now it. XXXX to XXXX is sevens years.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Consumer complaint received 2023-11-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MO)

I have recently reviewed my credit report and I noticed some things on my account. I have been living in my home for 15 years and I noticed an 2 apartments on my credit that I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-20
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)

I am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-07-19
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. (NC)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (FL)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-19
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. (AR)

I filed a complaint about XXXX XXXX XXXX enrolling me in XXXX and charging me for XXXX for a XXXX I did not attend complaint # XXXX. XXXX removed this from my credit report however Experian refuses to remove the fraudulent charges. I owe over {$4000.00} for a loan for two classes I didn't attend more than a week. I withdrew from the XXXX XXXXXXXX XXXX and I was charged for future classes that I was enrolled in by the XXXX I didn't attend more than 75 percent of the two XXXX I was charged for and I definitely don't owe for additional classes after I requested withdrawal from the XXXX  These fraudulent charges are still being reported on Experian. 

This has been removed from my XXXX and XXXX report but not Experian as I requested a year ago.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion is reporting information that I haven't given consent for them to report. They do not have the authority or permissible purpose to report any information on my consumer report. Without authority or consent to having my information is considered identity theft by these companies. They are committing fraud by reporting my XXXX account as debt and late when in fact there is no debt according to XXXX XXXX or late payments. I am providing this company to delete this information in 4 days as the information obtained was by way of identity theft.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NV)

I have experienced identity victimization as my information was utilized without my consent, which constitutes a violation under 15 USC 1681b regarding permissible purpose. I never provided written consent for anyone to furnish any details on my consumer report. I insist on the immediate deletion of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COAST PROFESSIONAL INC (SC)

Against coastal profession INC ( claiming to represent the IRS ) From my sister a family member and also this is my first time learning of any debt owed to IRS!? Text from my sister that I have saved and also in recorded line from IRS Private Debt Collector calling my sister and goving personal information and stating I have debt owed to the IRS which is a direct violation u the The FDCPA as well as a direct CFOB consumer protection law violation of two accounts or more. 1st being failed to disclose in written form of the notification that 1. I even owe a debt to IRS via mailing and who the represent. So the failed to notify me in writing first even awarding me of any debt owed who the represent what for and who they are in written for. Mailed to me was never done. Violation on page 5. Of The FDCPA violation. Then instead of or in disregarding the first violation and myself never getting a call they called my sister a direct Family member without my consent to then elaborate and hence the way I first found out of the debt is by text from my sister stating that I just got a call from Coastal professional, Inc. they claim they are representing the irs I have no clue or knowledge of this. Also stated I owed a negative debt to ORS and was probing for information about me, also wanted to talk with you. I gave them your number. They then said they were a private third party collection agentxy fort the irs and that I owed a large amount and needed to pay!? After the doscriptive information they probided me about the so called debt Im under the understanding its an IRS debt collection agency that you owe money to. This is second unlawful and illegal way under both the CFPB and FDCPA.due to This the debt should be cleared before taking legal action for their wrongful direct violation before having to take legal actions against as first time Hearing of this debt as well as two if not three to 4 direct consumer protection violations please address and have removed due to their direct violations. It was also a recorded call so can be played back proving.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

For years, I have been facing persistent issues with Chase Bank, but now I have reached my breaking point. Recently, I made an online clothing purchase using my bank account, only to find that the clothes didn't fit me properly. Consequently, I initiated a return process, which unexpectedly required me to pay for the return shipping. To my dismay, XXXX XXXX, the retailer, informed me that instead of a full refund to my bank account, they would only provide me with a store credit for half the purchase price. 

Expressing my dissatisfaction, I informed XXXX XXXX that I would no longer be conducting business with them, as it was unfair for me to bear the cost of my own return and not receive a complete refund. Seeking resolution, I escalated the matter with my bank, providing them with the necessary evidence. However, to my astonishment, my bank charged my account without conducting a thorough review, even though I had requested to speak with a supervisor. 

When I finally managed to speak with a supervisor named XXXX XXXX, she callously informed me that their decision was final and suggested that I pursue legal action in small claims court if I wanted my money back and hang up the phone. This is so disrespectful to me and my money I put in the bank. Disheartened by this dismissive response, I recall our conversation taking place on Monday, XX/XX/XXXX, between XXXX and XXXX XXXX. 

I am utterly exhausted by Chase Bank 's negligence in safeguarding my funds and their tendency to favor vendors over their own customers. This is precisely why I refrain from using cash, as it seems that people can be deceitful in various ways.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

We sold our home and paid the full amount of the mortgage to XXXX Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.
Consumer complaint received 2023-07-18
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I paid for a service today XX/XX/23 {$220.00} via PayPal for ethical hacking account recovery. The service provider lead me to believe they were assisting me but after multiple requests for more money to be submitted, I determined I was being scammed. I filed a dispute with XXXX but they denied it because I authorized the transaction. I requested a refund via the service provider as he guaranteed recovery and have gotten no response. I have all correspondence between myself and said scammer.