davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2019-08-27
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: LoanCare, LLC (SC)

Loan Care Servicing Center has reported to XXXX that the mortgage they serviced for me was discharged in Chapter XXXX bankruptcy. They also show show that no payments were made in XX/XX/2017. That is a false statement. Yes, I filed a bankruptcy, but this mortgage was not part of it. I signed a Reaffirmation Agreement and retained the property and paid the monthly mortgage on time, in full every month. In XX/XX/2017, Loan Care Servicing transferred this mortgage to XXXX XXXX and the house was sold in XX/XX/2017. I am attaching all documentation showing the transfer, sale and payment logs that I retrieved from Loan Care and XXXX XXXX websites. I am also attaching a copy of the court filing showing the Reaffirmation Agreement was  signed and XXXX 's result of the Dispute. I filed a dispute 5 times. XXXX   said as long as Loan Care keeps stating their statement is true, there is nothing they can do. I also contacted Loan Care three times. The first time by phone, they found my account. The second time I called, they said they have no record of my account. I emailed with twice and no response from them. I filed a bankruptcy and took the hit, but Loan Care filed this after the fact and I have been damaged severely. My credit dropped 60 points due to this.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

RESURGENT Capital Services sent me a letter Dated XX/XX/2019, attempting to collect a debt that, I do not owe in the amount of {$1000.00}, which is not my debt.
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (FL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I saw these enquiries on my reports that are not permitted by me or verified by me nor does it have my signature for it to be placed on their platform. These include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - Experian, XXXX XXXX XXXX XX/XX/XXXX XXXX Experian, XXXX XXXX XXXXXX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX XXXX  XX/XX/XXXX -Experian, XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There is a XXXX account that is reflecting negatively on my credit from over 10 years ago and is making it hard for me to get a certified loan. There is problem with the XXXX XXXX item as well. I got the car for my ex wife ( she was my wife at the time ), it was in my name. When we got divorced I left the car to her and she said she would continue making payments on the car. She was not able to get it refinanced into her name, nor was she able to make a payment for three months. XXXX  XXXX contacted me in order to pick up the car for repossession. I picked up the car had it refinanced into my name and since have paid off the car. Those three months that the payments wasnt paid for I was unaware of. She didnt attempt to reach me at all.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2023-09-29
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. (CT)

Delete the fraudulent account reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX And I except payment within 10 days of this notice. 
See followed attachments NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX : XXXX as Beneficiary of the XXXX XXXX XXXX XXXXUCC ALL RIGHTS RESERVED Without recourse
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (NC)

Case # XXXX. 
Today XX/XX/2023, I have spoken with an representative ( via phone ) from the XXXX XXXX XXXX XXXX 's department of Equifax LLC. A consumer reporting agency. 
The representative informed me that he would be denying my request to resubmit a dispute for the following accounts. 
XXXX XXXX acct. ending in XXXX, XXXX XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, XXXX Bank acct. ending in XXXX, XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX  acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, and XXXXXXXX XXXX acct. ending in XXXX. 
I requested that the rep immediately provide to me with the law that governs his authority to deny my consumer dispute request. And he didn't provide any. 
This adverse action against me! Has been done in Violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Credit Billing Act. and State Laws.
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: ALLY FINANCIAL INC. (NJ)

Re : Request for Removal of Account Information Ally Financial Account Number : XXXX Dear XXXX I am writing to formally request the removal of a derogatory entry on my credit report related to an account with Ally Financial. This request is based on the recent judgment in the class action lawsuit against Ally Financial, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : Ally Financial Inc. Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with Ally Financial be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : Ally Financial Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-14
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. (FL)

I have been a JP Morgan Chase Bank Customer for the past 6 years with an outstanding bank-customer relationship, holding two ( 2 ) credit cards, a saving and checking account. 
Inclusive My Husband has been a Business Customer of JP Morgan Chase Bank since XXXX. 
On Saturday XX/XX/XXXX, while watching TV with my husband, I received two ( 2 ) emails from Chase Bank Fraud Protection Services asking for my response in regards to a charge made on my credit card. 
I immediately did what WAS RIGHT TO DO and called the number on the back of my credit card, to let them know and report : I DID NOT AUTHORIZED THE CHARGES, THAT I DID NOT MADE THAT PURCHASE The next day XXXX received another Email from Chase Fraud Protection Services stating : Dear Customer '' : We closed your Chase Freedom credit card account ending in XXXX to prevent unauthorized transactions, as we recently discussed. 
The Letter also had more information on what to expect from the Fraud Investigation. 
On XX/XX/XXXX I received a letter in the Mail From Chase Bank Stating they were working on my case and they had closed my account etc. 
To my surprise on XX/XX/XXXX, I received another letter in the mail from Chase Bank Card Services which said that the charges were back on my credit card because I have received benefit from it so I was liable for the charges. 
I immediately called again and spoke to XXXX at the Fraud Department who said that my Husband XXXX XXXX made the Purchase, when in first place HE IS NOT AN AUTHORIZED USER on my credit card and was sitting right next to me the moment when the alleged purchase was made in another US State. 
From That date, XX/XX/XXXX I have been trying to resolve this issue going back and forth with Chase and opening the case, almost every month with the same outcome. 
In one of the many conversations the Chase Fraud Representative made a three way phone call with the XXXX XXXX Representative, my husband and I and nothing was resolved. 
I didnt even received an Email or purchase order form XXXX XXXX XXXX when the alleged purchase was made.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (CA)

Im disputing the following information I found on my credit report. The inquiries being reported on my credit report are not authorized nor have consent to having my credit pulled. The date that someone accessed my credit is without my consent. Please remove the inquiries or if you believe its accurate please provide me with the signed authorization received to access my credit. I will give you 20 days to remove the inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to address a matter of significant concern regarding the handling of my credit report and the removal of negative accounts. I have submitted an FTC XXXX Federal Trade Commission ) report as a means to resolve issues within my credit report. I hope to shed light on the need for Experian to fully understand its role in this process and to question when accountability will be upheld for any perceived negligence. In compliance with federal regulations, I have provided an FTC report to initiate the resolution of discrepancies in my credit report. The submission of this report underscores the gravity of the situation and the importance of a thorough and accurate investigation to rectify any inaccuracies promptly. It is my expectation that Experian will uphold its responsibilities as a credit reporting agency and facilitate the resolution process accordingly. Regrettably, it appears that Experian is failing to understand its fundamental role in the removal of negative accounts. Sending me 4 different emails all with different messages shows this deficiency in comprehending the scope of your responsibilities has led to an on-going issue in the timely removal of negative accounts from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has come to my attention, that XXXX XXXX XXXX XXXX has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 
Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

PNC took over our mortgage after the XXXX payment was made to the prior company. We were told that our autopay would take a few extra days during the transition, but we did not have to do anything for the XXXX payment. After it was not taken out, we called and they suggested that we send them a check. We sent the check the they said autopay was already set up so they were going to put a note on the account to let the autopay take the money for XXXX and they would pause it for the XXXX and use the check for XXXX. The check was cashed for XXXX. We called and then they said we were on track for autopay for XXXX. XXXX XXXX rolls around and they started to call because our payment was late. We called and explained the situation and they said that we were not setup and we had to go in and set up an account. We made the XXXX payment over the phone. At the beginning of XXXX, the autopay kicked in and took out the mortgage at the beginning of the month, then again the next day. We have spent 4-5 hours on the phone with them and each time have been told something different only to have them pull the mortgage twice. Since it is the weekend we have not had a chance to get in touch with them, however I feel we have gone above and beyond to help them get this figured out to no avail.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 20th 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX