davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I applied for Paycheck Protection Program, and on XX/XX/XXXX the bank closed all business checking account, personal credit card and business credit card Loan application reference number : XXXX. 

I received a letter stating that they would be closing the account on XX/XX/2020 I tried contacting and they have no information, we have applied for government relief options and used the Chase bank as the bank, since I had a good relationship at least I thought that way, my business revenue is high and it generates them a lot of income thru wire transfers fees. 

I need help understanding why applying for government relief would close the account, and now they even said they would be closing XX/XX/XXXX over the phone and locked my online access with my funds on it that Im still receiving thru chase.
Consumer complaint received 2021-06-25
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. (IL)

I received a copy of my credit history report. That Report contained incorrect information reported by Transunion I contacted Transunion to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that Transunion claims this information to be accurately reported. This is not true, and here as follows is the correct information : 1. Account doesn't belong to me. Fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my report.
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (SC)

The Law Office of Maury Cobb has been repeatedly calling my phone number throughout the day beginning first thing in the morning everyday for the passed 2 weeks. This complaint comes to you pursuant to the Telephone Consumer Protection Act and the Fair Credit Reporting Act. This Law Firm is repeatedly calling my home, failing to say who they are and what they want. I am unaware as to what they could possibly want with me, but I want the harassment. This aggressive pressure needs to stop. 

I am afraid that this collection agency might attempt to place derogatory information on my credit reports. As a XXXX ... and due to the impact of Covid 19 I do not need any extra added unnecessary pressure to my life while trying to serve others. Which is why I pray that you can offer some relief with this matter. 

I have not received any written notices from this law firm regarding any alleged debt that they might be attempting to collect on.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, 5 court orders were mailed to XXXX over 30 times. In this process TRANSUNION, XXXX  and XXXX were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (NJ)

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Consumer complaint received 2022-07-18
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have been mailing monthly letters to equifax and they have yet to release my scores. They are telling me I have to pay in order to see my credit score. I have mailed my dl several times along with a copy of my utility bills and a written letter stating I need items corrected. I have called on XX/XX/19 and they only excuse I get is I need to pay their website.
Consumer complaint received 2024-10-18
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. (CA)

I am writing to formally dispute the unauthorized inquiry listed on my credit I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

In 2019 I was in the hospital for a serious condition which I am now on full XXXX for. I was on a state medical assistance program at the time which I am extremely grateful for. While in the hospital, they had run some tests. A few years had past and all of the sudden a medical bill showed up on my credit report from a collection agency. I called the collections agency and got the bill that was referenced. I called the hospital and went over the details, they told me I was not not responsible for that and it had been paid through the medical assistance program. They then sent me the receipt of the service that was paid in full. I sent it to the company that had already put it into collections that ruined my credit. I also sent it to the collections company. Time had passed and they sent it back to collections. I went back to the hospital and went over it again. I sent the receipt again showing it had been paid through the medical assistance program. It is very hard for me to deal with all of this, in much pain on XXXX. Ive shown proof and have done everything I can. The hospital sent me the receipt showing paid and said I am not responsible for that, its already paid. They have ruined my credit and caused me much stress while in severe pain while on full XXXX. For a bill that has been paid through the medical assistance program. I have spoke with the hospital many times about this, shown the company the receipt many times. They have ruined my credit over a {$640.00} bill that had been paid and shown proof of payment. Ive done everything I can while on XXXX with open XXXX on my legs and cant even fit into shoes % XXXX of the time.
Consumer complaint received 2022-01-17
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. (NY)

XXXX Account number on XXXX XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (NC)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX  XXXX  and XXXX  credit bureaus.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, XXXX  and EXPIRIAN were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I made several attempts to contact this company by calling them at XXXX ( XXXX ) XXXX XXXX regarding a XXXX XXXX account that has been paid and closed by me. This account was closed because I switched providers. before I was able to switch providers I had to pay my balance on my phone and my balance in order for them to unlock my phone to receive a new sims card. When I call I am always transferred to an agents voicemail leaving my contact information i.e. ( phone number, and email address ), but have been unsuccessful in receiving a response or communicating with anyone. XXXX is telling me that they have no information because there is no account. So, I'm at a lost and don't know what to do.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi I want to file a complaint against Capital one credit card, on XX/XX/2021 I bought a ticket to flight to XXXX using my rewards miles with my pocket money, I suppose to flight on XX/XX/XXXX, but I canceled because of corona virus, 3 weeks before my flight i tried to canceled i went throw so frustration process calling every day waiting 2 hrs. until speak with some one transfer me waiting another hour speak for 5 minutes or nobody speak at all disconnect me trying to calling back this number doesn't accept call back that is a message I ve been told, never calling me back! leave my problem unsolved, again afternoon 2 hrs. waiting speak with some one transfer me to travel center tell me different story proms me to solve my issue, same process disconnecting no solving my issue! doing that for 3 weeks talk to 20 people every body telling me different things to convivence me, after a week pass my due day flight in same frustration process told me wait until we speak with XXXX XXXX, after 2 more weeks finally i saw my pocket money back, but never saw my rewards miles which is XXXX miles back, today is XX/XX/XXXX I am on hold now waiting two hrs. they just lying i don't know how they are in business still, please some one solve this issue. Thank you
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$30.00}
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (NJ)

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.