davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (GA)

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 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 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 n 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 2022-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I reached out to my financial institution regarding a XXXX transaction on my account. The transaction amount posted was {$150.00} already sent to the recipient. I asked if I can dispute however, my financial institution claimed XXXX disputes are non-disputable and I had to reach out the merchant personally to solve the problem. This transaction occurred on XXXX XXXX. Prior to calling my financial institution, I tried to get a hold of the merchant but unable to successfully do so. 

And so here I am writing this statement to the Consumer Financial Protection Bureau ( CFPB ) to see if I can successfully dispute the transaction through here.
Consumer complaint received 2022-07-16
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. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-16
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. (GA)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor items. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AR XXXX XX/XX/2022 ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 20349****Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}.
Consumer complaint received 2022-07-16
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. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (IL)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX  XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!
Consumer complaint received 2022-07-27
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX  {$590.00}
Consumer complaint received 2022-07-27
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX  {$590.00}
Consumer complaint received 2022-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I listed my home for sale in 2012, and had a HELOC with Bank of America. Since I moved out of the property and had issues selling the home, I fell behind on my payments and opted for loan modification/short sale/deed-in-lieu options. I repeatedly filled out forms, supplied the necessary supporting financial documents, and B of A did not respond. When I finally was able to secure a buyer for a short sale, I again filled out the forms, and B of A persisted in being uncooperative and would not approve the sale. 
This continued repeatedly for several years, as no less than three qualified prospective buyers came and went, eventually giving up and withdrawing their bids due to B of A 's delays. My RE seller agent even contacted our local representative for assistance but to no avail. Eventually, the RE company no longer wanted to represent the sale because of the issues incurred by B of A. Even when a RE investment company offered to purchase the deed, B of A would not allow the deed transfer and now the matter is going to court. Meanwhile, there is a lis pendens on my property and I am now facing foreclosure and damage to my credit. All this could have been avoided had Bank of America not led me to believe that there were actually alternatives to foreclosure as they stated in several mailings.
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC. (TX)

Halsted Financial Services has violated several of my federally protected rights and I have notified them of such actions. Halsted Financial received my mail on XX/XX/XXXX and has failed to compensate me for each federally protected violations under the Fair Debt Collection Practices Act. Halsted Financial is in violation on 15 USC 1692a ( 2 ) as Halsted Financial Services used email, and postal service to communicate with me the consumer ( natural person ).

Halsted Financial is also in violation of 15 USC 1692a ( 4 ) as they stated that XXXX XXXX XXXX  was the original creditor but the term creditor states that it is a person who offers or extends credit creating a debt so I am in fact the original creditor. 
Halsted Financial is in violation of 15 USC 1692d ( 2 ) as saying that I am in debt when I am in fact the creditor is obscene and profane language to me.

Halsted Financial is also in violation of 15 USC 1692b ( 2 ) as it states that you can not state that a consumer owes any debt
Consumer complaint received 2022-07-27
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. (IL)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports. The investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates I saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Name : XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-07-27
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$640.00}
Consumer complaint received 2022-07-27
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. (GA)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), 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. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX XXXX XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (IL)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports. The investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates I saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Name : XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

JPMORGAN CHASE is falsely reporting an alleged debt that is not mine. XX/XX/2022 I sent a Validation of Debt letter, as required by law under the Fair Debt Collection Practices Act. They responded with none of the requested documentation pursuant to 15 USC 1692g Section 809 ( b ) nor did they provide evidence that the account ending in XXXX is valid. As such, they have failed to respond within 30 days of receipt. 

During this process, my credit report has suffered from several negative items that were reported to the major credit bureaus for a debt that I dont owe. I have been violated under this notion and believe that there is no proof to the contrary. 

XX/XX/2022, I sent an Affidavit of Truth in good faith to resolve the issue and an attached Bill of Particulars of the total charges of violations from JPMORGAN CHASE. 

XX/XX/2022, I sent a Notice of Fault to give JPMORGAN CHASE one last opportunity to respond and have not heard from them. 

XX/XX/2022, I sent a Notice of Default and an Opportunity to Cure letter to JPMORGAN CHASE with no resolution or response.
Consumer complaint received 2022-07-27
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. (CA)

Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX XXXX  credit card erroneously put 2 late payments on my report. One for XXXX, 2021, and another for XXXX, 2021. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of 2021. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with Trans Union, XXXX, and XXXX since 2021 but they wont fix the issue. I have been filing dispute after dispute with all 3 agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of XXXX. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of 2021 should not be there. Those XXXX late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I call the servicer lender JP Morgan Chase bank on XXXX around XXXX. I was requesting information in regards the different options for exiting the forbearance program as I received an email from the service lender in previous days indicating to reach out to know about such options. The agent was misleading as she said quote " I can only provide information in regards other mortgage assistance option if you ( XXXX ) decline to the deferred ballon payment option ''. To which I reply saying " I am only calling to know about the mortgage assistance options, I did not call to make any decisions '' I told the agent that I did not understand why she couldn't provide the information and it was misleading to ask me to decline to the option of the deferred the ballon payment till the end of the term of the loan without knowing what were the other options available
Consumer complaint received 2022-07-27
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. (PA)

TransUnion has repeatedly ignored my request to have these accounts removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Rights they have violated this now my 4th complaint 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) CC : Consumer Complaints PA Office Of Attorney General CC : Consumer Complaints XXXX XXXX XXXX.