davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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 been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have asked them to stop calling me. They continue to call me anyway. They are also calling my family members on their phone numbers. We have blocked their numbers. Then they just call from a new number. On average, they call three times a day. They do not identify themselves. They are calling from PORTFOLIO RECOVERY. They have called from at least 16 different numbers in the past month. I have asked them each time to stop calling.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a complaint with the consumer finance department in XX/XX/XXXX regarding a XXXX  XXXX Bankruptcy on my credit report. The XXXX is not mine. I have a XXXX  XXXX from XXXX Transunion responded with they have deleted the account. I look on my transunion account and its still reporting. So I disputed this with transunion again on XX/XX/XXXX within XXXX XXXX  they come back saying its verified. How is it verified what verification did you do in XXXX XXXX  and it took this company over XXXX  days to investigate my complaint with consumer finance. This credit bureau is not investigating or reporting accurate information theyre lying about looking into disputes
Consumer complaint received 2023-01-10
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. (AZ)

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ).
Consumer complaint received 2023-01-10
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. (CA)

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

XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}
Consumer complaint received 2023-01-10
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. (NJ)

Right now I am XXXX! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2023-01-10
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. (CA)

My identity was recently used to open accounts in my name using my personal information that was exposed in the XXXX XXXX  data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2021 around the XXXX my lost my business checking card I believed at a XXXX XXXX  and days later when I went to check my account I noticed that over XXXX charges from different merchants was charged to my account so I contacted Chase fraud department and told them what happened and they did the standard proceedure and credit me the money that was wrongfully charged to my card and said that it was a temporary release until they finalized the XXXX report on the case. Then a couple weeks later they then reversed the charges back onto my checking account without warning causing my account to become over drafted. I want to say at the time of the original amount of the fraud charges totaled up to about {$400.00} dollars and the amount that was credited back to me was only a partial of that like {$290.00}. I then called Chase fraud department back to find out why was my account was in the negative due to them not honoring the complaint and they stated that because the investigation came back determine that it wasn't fraud because the pin number was used at all the merchants I said I didn't use. I said that's impossible because it wasn't me and that no one knows my pin number and the man tried to brush me off the phone and stated the decision was final and there's nothing he could do moving forward. Since then Chase has charged my account several overdraft fees also took {$500.00} of my money that was deposited into my account and closed all of my accounts without notifying me or send me the remainder of my money. I have reached out via telephone and talked to a could of branch managers to rectify the issues and I have gotten no where. I also requested that they do a through investigation proving that if I was the XXXX using the card and that was the reason they reversed the credit then show the camera footage from each individual merchant that they claimed i used my card or at least send me the list of the merchants names that said I used the pin in there store, I got the run around and said that it was not up to them to do so.
Consumer complaint received 2020-05-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (NC)

I BELIEVE THAT MY BANKRUPTCY DISCHARGE TO MY MORTGAGE HOLDER WAS TOO MUCH AND MONEY WAS PAID TO THEM THAT SHOULDN'T HAVE BEEN PAID. I SAW TOO MANY DIFFERENT AMOUNTS THAT WERE OWED FOR THE SAME CREDITORS. WHEN I WENT TO MY CLOSING FOR THE SALE OF MY HOUSE THE FIGURES WERE TOO MUCH ALSO. I'M SENDING PAPERS THAT SHOWED ONE AMOUNT BUT SOMEHOW THEY GREW. I DON'T UNDERSTAND HOW A {$140000.00} MORTGAGE OVER A PERIOD OF 20 YEARS GREW TO BE {$190000.00}. THIS IS NOT RIGHT. PLEASE EXAMINE THE PAPERS I'M SENDIN FOR HELP G. I WAS FORCED TO SELL MY HOME AND NOW MY HUSBAND AND I ARE RENTING.THIS IS NOT RIGHT. I WAS SCAMMED BY XXXX XXXX  AND PACIFIC FINANCIAL. I REACHED OUT TO CFPB FOR HELP. I HAVE PREVIOUS CLAIMS THAT YOU ALL CLOSED. THEY STATED THAT THEY WERE WORKING WITH ME. THEY WERE BUSY FILING FORECLOSURE PAPERS. I BLOCKED THEM BY FILING THE CHAPTER XXXX. THE EXPENSES GOT SO MUCH THAT I HAD TO CHANGE TO A CHAPTER XXXX AND SELL OUT. THIS IS IN HUMAN TO TREAT TWO SENIORS WHO HAVE INVESTED ALL OF THEIR EARNINGS INTO A HOUSE JUST TO LOSE IT. ALL OF THE OTHER COMPLAINTS WERE STEMED FROM THE SAME PROBLEM WITH PACIFIC AND HOMESTEAD. PLEASE READ THE OTHER FILED COMPLAINTS THAT WERE CLOSED.
Consumer complaint received 2023-01-10
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. (KS)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX  Account number : 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 602 A section 2 it also state a consumer reporting agency can not furnish a account without my written instructions.

12 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing 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 XXXX years.
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX : {$8100.00}
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Allied International Credit Corp., (US) (CO)

I believe I received a spam letter from AIC trying to collect money which I never owed. 
I choose not to contact the company since I think it is spam. They said the creditor is XXXX and I owe {$650.00}. I never buy from XXXX. They said I should send the money to them or to XXXX. 
This letter was received by me on XX/XX/20. I have a copy of the letter.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AR)

I previously filed this complaint XXXX and there is no update button so i started new complaint. I feel that it is unacceptable for a bank to withhold funds. I closed account in XXXX and as of yet have not been able to get the remainder balance of {$33.00} 2 months after. They previously were giving me run around when contacting them on the phone and now I received check XX/XX/XXXX ( issued XX/XX/XXXX! ) that got bounced back! Chase should immediately send direct deposit and stop playing games. What a incompetence. You dont want to give them more of your money to be treated like that.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. " NISSAN MTR ACCPT/INFINITI FIN '' added late payment to my account that was false. XXXX assumed this role without permission not only that, they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. XXXX did not exercise grave responsibility, they were unfair, they were partial. I'm taking the liberty to file a CFPB report and an attorney general 's complaint. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2023-01-10
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. (TX)

XXXX honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2014 Balance : $ XXXX