davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Easier Funding, LLC (WA)

60 day credit repair said if they dont get my credit score up XXXX points in 60 days I would not have to pay them {$150.00} a month for the whole 12 months they made me start paying on day 1 so Ive paid {$450.00} dollars they had me sign a so called contract thur email I signed it quickly the guy on the phone sent it and stayed on hold said I could read it later. The 90 day came I never heard from them at all in the 90 days, I did text them about a company that put I owed them money on my report that I paid In full 6 month before I was told to call them and talk to them, the Girl told me they couldnt help me, I said what am I paying for? No reply, she emailed me to call her at 90 days I did she told me they got it up XXXX points they said they got 4 things taking off my report, I dont believe I said well I have got my report up XXXX points she told me I still have to pay because I opened a new credit card. I told her no she said she would have XXXX the owner call me, they also had me sign up for a company XXXX monitoring {$20.00} a month I have tried to cancel and they say I cant due to 90 day credit repair, I posted a XXXX review that has my picture on my account they replied to my review and have posted my personal information I also asked to cancel there services 6 weeks before 90 days was told I cant do that.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I opened my account on XX/XX/XXXX based on a promotion that said I would get 2 % of my direct deposits in cash up to {$60.00} per month and {$720.00} total. I set-up direct deposits and deposited {$2500.00} 2 x per month into my new account. I have been doing this from Mid XXXX through to today. On XX/XX/XXXX, I went to their online chat to understand the timing of my rewards. I was told that I had not signed up for the {$720.00} reward ( even though I used the post card that offered that reward to sign up ) but I had in fact signed up for the {$470.00} reward which pays the {$470.00} at one time if direct deposits continue for 3 months. I continued to meet the criteria of making the direct deposits which on XX/XX/XXXX HSBC confirmed " I do see that you have met the requirements for this Bonus. However the funds have not been deposited yet, so I will raise a case with the Bonus support to check with them what is the issue and delay. '' Then it took until today XX/XX/XXXX for them to respond to that inquiry filed on XX/XX/XXXX at which point they claimed that " The account was not opened using the campaign page and hence it isn't eligible for the welcome deposit. '' even though it was both confirmed on XX/XX/XXXX that I had and on XX/XX/XXXX that I met the criteria. I would like the {$470.00} welcome bonus which I was told several times I was entitled to.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2022-02-26
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: CORELOGIC INC (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

File Number # XXXX. To Whom it may concern XXXX XXXX county clerk & Comptroller and TransUnion have violated the Fair Debt Collection Practice Act ( FDCPA ) Pub. L. 95-109 ; 91Stat.874, codified as 15 U.S.C1692-1692p
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX  XXXX on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law. 

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this account.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX XXXX  on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law.  

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this account.
Consumer complaint received 2022-07-31
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: EQUIFAX, INC. (FL)

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.
Consumer complaint received 2024-10-16
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. (PA)

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX My only phone number is XXXX and only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Thanks, XXXX XXXX Items in collection : Account name : XXXX  XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank negotiated a fraudulent check in the amount of {$25.00} against my personal checking account at XXXX XXXX XXXX XXXX on XX/XX//2020. The check had neither of the two Account Signer 's signature, nor did either Account Signer authorize said check. The payee on the check, XXXX XXXX XXXX XXXX XXXX, is a business which is unknown to both Account Signers, was not engaged for any transaction. After performing a XXXX search, there are several other individuals affected by this same type of fraudulent check transaction and all for similar small dollar transaction amounts. I have contacted my credit union on XX/XX/2020 to alert of the fraud and the credit union has closed my checking account to avoid further fraud. Note, this is a checking account I have maintained for 27 years without any incident. The result of this fraudulent activity resulted in numerous hours to reset all auto debit of payments to a new checking account and more importantly reset my payroll direct deposit to a new checking account. Due to the pandemic, I could not walk into my local branch to open a new checking account, it had to be completed online and will took 2 business days to complete. 
JP Morgan Chase Bank clearly is not conducting proper KYC/CIP   protocols and should be held accountable, as well as, XXXX XXXX   XXXX, XXXX. 
JP Morgan Chase Bank has not responded to XXXX XXXX XXXX XXXX to refund the fraudulently debited funds.
Consumer complaint received 2022-07-20
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. (NC)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of XXXX XX/XX/2020 ; XXXX & XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

I AM A USA VETERAN WHOM IS XXXX  % XXXX THAT HAS JUST DISCOVERED THAT I AM A VICTIM OF IDENTITY THEFT. AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICE THAT A MEDICAL BILL IS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. FIRST OFF ALL OF MY MEDICAL EXPENSES ARE PAID IN FULL BY THE United States OF AMERICA. I HAVE NEVER DEALT WITH ABILITY RECOVERY OR ANY COMPANY THAT THEY REPRESENT. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Not only is this debt does not belong to me due to fraud but your company could have also been in violation of HIPPA if it was mine.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX 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
Consumer complaint received 2022-11-09
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. (MD)

I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH TRANSUNION WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

It's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX XXXX Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX   account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX  or the original creditor.
Consumer complaint received 2020-04-28
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: Bread Financial Holdings, Inc. (AR)

PER CFPB COMPLIANT NO.XXXX, XXXX UPDATED ALL BUREAUS WITH A BALANCE {$43000.00} S/B {$4100.00} for account no.XXXX. they are aware of this problem as I talked with them on the phone a few days ago!
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was preparing to apply for a Consolidation Loan with the Credit Union that I have been a member of for several years but I wanted to know what my credit score was before I applied. I called Transunion and they told me that my score was XXXX ; this was good because I met the minimum score guidelines. I applied for the loan but was denied. When I called the Credit union to discuss the results I spoke with a representative and was given a different score of XXXX and was told that my debt to income was too high since my student loan payment was {$1100.00} dollars a month. I told her that this information is not accurate and I don't pay XXXX on my student loan, I was told that she was reading from my report. I told her that that information is not correct. She offered to put in a second application for me with the corrected information, however ; it was denied as well. but for different reasons. I didn't feel confident at this point so I asked which bureau report she was reading from and she said Transunion. I called Transunion and was told this information is not on my report and they did not give this information. I set up a meeting at the local branch of the credit union to discuss my application, I had hoped to speak with a personal banker but there are non at this branch, I was given a copy of a report sent from Transunion with the erroneous information it was dated XX/XX/XXXX. I asked Transunion for a copy of my report and was told they could not give me a copy until after XX/XX/XXXX because I have open disputes. I was told no-one could get a copy. I couldn't get copies of my own report but the Credit Union got a copy and made decisions based on erroneous information in the report. Based on the denial letters I received, my report obviously contains other errors and I don't understand if I wasn't allowed a copy of my report why were they.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Ive file several complaints with CFPB and disputed this account on several different attempts with both Experian and XXXX to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

Experian and XXXX is in violation of my FCRA rights. Experian and XXXX are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that Experian & XXXX both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are Experian and XXXX getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave Experian or XXXX any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/year>. Experian and XXXX constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation