davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (CA)

This complaint is in addition to complaint # XXXX. 

i still have not heard back from Chase Bank on resolving my last issue for not closing out my claim in a timely matter and negative reporting to my credit report. 

XX/XX/XXXX XXXX i called chase bank to inform them that someone has access to my account. The reason for the call is because while logging into my account and seen an unfamiliar number XXXX being the main number where it would receive phone calls and text to access my account. I have never seen this number in my life and there's no record of me calling or updating my information on chase 's website with this information. 

I spoke with 3 different agents on the XXXX ( XXXX XXXX, XXXX from fraud dept and XXXX from the dispute dept ). While speaking with XXXX from the fraud department she stated that in her notes someone in her organization has put that number on my account and could not give me a reason why. She insisted that she removed the number. 

After speaking with XXXX i was passed to a XXXX in dispute department because i'm still trying to resolve my dispute with chase and they are still trying to make me pay for an authorized charge that i reported to them. I was told by XXXX i need to reach out to the frauds department by email as they were not available by phone. 

XX/XX/2020 - Speaking with XXXX in the fraud department we discussed the invasion of privacy issue that i'm having with someone in her company changing my contact information without my consent and information i needed to send in about my open fraud claim. i emailed in the necessary documentation that XXXX XXXX d me to email in. Upon receiving my documentation they will let me know in 5 days a decision on my fraud claim and answer on why my contact information is changed and by who XX/XX/2020 - I have now receive a letter from Chase stating they have now lowered my credit limit down to {$5300.00} because they could not reach me at the telephone number provided on my account. XXXX is a disconnected number that was placed on my account by them Chase has now maxed out my credit card limit because they have added interest to my disputed balance of {$5000.00}. This is unethical by chase was done purposely to affect me because of my open dispute. This letter was sent the next day after i contacted them about the problem. They are still investigating my fraud claim which is well over 90 days and have not resolved the issue.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENOVA INTERNATIONAL, INC. (VA)

I filed a complaint about the same company and account last month. The company is listing my account as a bad debt rather than a bankruptcy payment plan. The settled amount is also inaccurate. My account status and amount were fixed last month but have since returned to the same wrong information as before. However, a bankruptcy dated XXXX was written and mine was in XXXX of XXXX. This inaccuracy was never fixed. My attorney notified them in writing last month but it would appear that they are attempting to damage my credit long term without following appropriate guidelines.
Consumer complaint received 2022-09-22
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. (PA)

On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, account payment history and a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Hello my name XXXX XXXX I have hearing impairments and severe brain injuries that affect my everyday life. I called NMAC asking multiple times about getting out my maintenance plus contract.First lady told to drive to Nissan dealership to have my mileage statement signed when got to Nissan Dealership in XXXX XXXX Ca the general manager tells we dont sign documents turned me away.So the general manager assisted by calling NMAC asking what is supposed to do. I drove 40 miles to that dealership the rep on the had a heavy accent was not getting any where. I asked for supervisor call back to address the miscommunication never happened.Called on XX/XX/XXXX explaining situation again the rep tells I cant record the calls which it a violation of American Disability Act if you have certain conditions such as hearing impairments or other XXXX  XXXX helps with effective communication skills. I feel like Nissan discriminated against me because of medical conditions that would help effectively communicate the law went in affect XX/XX/XXXX according to the ADA under Effective communication. I am filling a Federal Complaint under ADA Civil rights were violated.
Consumer complaint received 2022-09-22
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. (LA)

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

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (GA)

Thank you for your response. However, I find it unprofessional and insufficient, as it neither adequately addresses my claims nor provides any evidence to substantiate or refute them. 

I am formally requesting a thorough investigation into this matter and demand that you provide documented proof to support your position within 30 days of the date of this letter. Failure to comply with this request will result in further action. 

Additionally, I am issuing a cease and desist notice to immediately halt any attempts to collect this debt, as I do not believe the debt is valid or substantiated. If this matter is not resolved satisfactorily within 30 days, I will consider pursuing legal action. 

Please take this matter seriously and ensure a transparent and comprehensive resolution. Should you require any additional information, feel free to contact me directly.
Consumer complaint received 2022-09-27
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. (VA)

I have late payments reported on my report thats causing me grief and hardships from getting a home for my family my information is being trafficked without my consent and its casing me embarrassment and unfairness, and I also have falsely been told Ive been pre approved for credit cards that I have been denied for.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b LexisNexis are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX XXXX XXXX XXXX # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S.Bankruptcy Court XXXX XXXX XXXX Reference # : XXXX ; U.S. Bankruptcy CourtXXXX XXXX XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the LexisNexis shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I have requested time and time again that Citibank refund my money from my closed checking account # XXXX a week ago. Each time I call, I get some other story. This time the check has to be printed and mailed out. Well that is not taking forever. When a customer 's account is closed, the check should have already been cut and mailed out. I don't know why this bank continues to hold on to customer 's money.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX MORTAGE SOLUTIONS, 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 2022-06-17
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. (IL)

I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. They did not provide me with the information that i asked in the timely matter. In accordance with the Fair Credit Reporting Act 15 U.S.C 1581 and Fair Debt Collection Practices Act 15 U.S.C. 1592 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1581 section 602 A. States I have the right to privacy 15 U.S.C 1581 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 1692 section 605 A. States that 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 1592 section 605 A section 3 States at the consumer 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 1592 section 606 section 5. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

XXXX XXXX XXXX has been harassing me and stressing me out for years. I have XXXX now because of this collection that has been illegally reporting on my credit report due to this debt collector. I have proof of them telling me they are a debt collector and they have violated so many of my rights going on for years now. this is not my first time disputing this illegal account that is on my credit report. I have sent countless papers and did everything they told me to do to show them this account is not mine and the only thing that happens is they update it i want the account deleted. I have proof i sent certified mail to them and they were supposed to send me everything back in 5 days which they failed to do so. I also have proof of every letter they sent me along with them telling you they didn't try to contact me and they are not a debt collector.
Consumer complaint received 2022-09-22
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. (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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-07-02
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 am being denied for credit because Experian is reporting an unverified account on my credit file and they are reporting it as though it is new from 2020. I have reported this before that Experian is not reporting my credit correctly. They never validated the claim, they just took the word from XXXX. I called XXXX for information and they could never show where I signed for these service or anything with my signature on it. But yet Experian is the only credit reporting company reporting it. XXXX  was reporting it but they removed this same invalidated account. XXXX  followed suit. 

The way that Experian is reporting this account is causing me great harm. Its on the comments of companies saying that I have a serious delinquent. The account Experian is reporting is 6 years old. It's the only negative account on my credit report. 

I have asked for lease with my name on it with the address these services were provided for. Never got it. Experian is the only credit reporting agency that is reporting this address the other 2 companies removed this address because it could not be verified according to the FCRA I sent attachment to show the comment from XXXX, also I have sent attachment to show what I am talking about how Experian is reporting a charge off account with a past due for XX/XX/2020. This is a violation and they know better.
Consumer complaint received 2022-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

This is a request to remove unauthorized hard inquiries from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (IL)

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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. 
Please see items listed below : Experian Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX