davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (TN)

Over four months ago, I contacted Chase Bank regarding two credit card accounts that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain 1099Cs for discharged of his alleged debts so that I could file his final tax returns for XXXX. Chase Bank was kind enough to do this and they forwarded three 1099Cs which I used to file my brothers taxes. ( copy attached ) Unfortunately Chase Bank continues to report on my brothers credit reports that he still owes them on these two accounts even though they clearly have discharged them. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Chase Bank is still in the position to either attempt to collect or sell off these debts to a third party as long as they are reporting these accounts to the credit agencies and while these accounts appears on his credit reports. While I do not think that this a malicious act by Chase Bank nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Chase Bank on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Chase Bank and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a manager in the Credit Bureau Escalation Department, who told be that while company policy is not to pursue these types of debt, he could not issue a written pledge to back that up. He guessed that the IRS would direct them to remove the account once the 1099Cs went through the system. When I told him it was his company reporting these debts and they could simply stop reporting them, he seemed befuddled and had no answer. As of today these accounts are still being reported to the credit reporting agencies despite what Chase Bank is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report these closed and discharged debts.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, XXXX, and EQUIFAX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Consumer complaint received 2021-02-23
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: OneMain Finance Corporation (CA)

On XX/XX/XXXX, I called the One Main Financial office at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the phone number ( XXXX ) XXXX. XXXX answered me and I asked specifically for XXXX because she had helped me previously. XXXX told me that she was not available because she was with a client. XXXX told me I will take down your information and XXXX will call you back. 
After a few minutes, XXXX called me back and told me that my credit had been run. 
I told XXXX that I had not authorized this, and that they had only asked me for my name. 
XXXX forwarded the call to XXXX and said " I already did it. 
I called the company headquarters and explained what happened, and today Monday the XXXX, I received a call from One Main Financial and I spoke with XXXX XXXX and she said that she could not help me. 
I explained in detail what happened to XXXX and she told me that she believed her co-worker over me. 
This attitude is not ethical and not legal because they ran my credit without my consent and authorization.
Consumer complaint received 2022-12-28
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. (NC)

I XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-23
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. (MA)

ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (TX)

Hello on XX/XX/XXXX I sent a inquiry removal letter to Experian and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately!
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX a refund was processed ( {$480.00} ) to a card with Chase that was cancelled - last statement was XX/XX/XXXX. ( The original payment was XX/XX/XXXX ) I called Chase - the number on the credit card - and they can't find any record of the account looking up using social security number. They've removed all statements from the online systems and any record of the card - so we can't get the old number. 

We had the card since XX/XX/XXXX. I have nearly 500 emails referencing the last four digit of the card ( alerts and statement ready notices ), but nothing with the full number. 
I saw someone with a similar issue posted a complaint here and Chase then addressed and fixed the problem. 
I'm also trying to find out if the merchant can process the refund another way, but fear it is too late for that. 
I'm not sure what else I can do at this point.
Consumer complaint received 2020-09-17
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. (MA)

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

on XX/XX/XXXX, XXXX XXXX XXXX XXXX  add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction 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 2023-04-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 a negative item was removed from my Experian Credit Bureau Report. I was on the phone with them When they took it off. At that time My Experian credit score was XXXX. 2 days later my credit score jumped up to XXXXXXXXFICO Score. On the XXXX of XX/XX/2021, I was informed by Experian that my credit score had been put back to XXXX, I naturally could not understand why this event took place. I ordered My credit report and saw they had put back my negative item. I called and expressed my concern and they again removed it in violation of FCRA code that requires Credit bUreaus to notify consumers of a major change in their credit report. my score went back to XXXX FICO. 
On the XXXX of XX/XX/2021, I called a major Mortgage lender to inquire about refinancing my home. After checking all 3 credit Bureaus they said Experian reported a XXXX credit score. 
I called Experian and could not get a logical or technical explanation of why this happened. They said they were reporting FICO Score correctly. But we do know that was a lie as their own paperwork to me said my FICO Score was XXXX ( paperwork included ) Today I called another Lender and he reported their FICO Score as XXXX. On XXXX I received an alert from Experian stating my FICO Score was now XXXX. Yet the new lender was shown a score of XXXX. I hope you can resolve this. I would like to have the companies I'm doing business with be shown accurate information
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. Equifax is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

My mother passed away and left the account to myself, my brother, and sister. My brother and mysekf went to the bank on XX/XX/XXXX to close the account but leave it in the bank. I received a note fro the bank that the account had been closed. That is true but the money had been left in the bank to split up between all three of us. I received another account statement days latter stating that the money had been removed by my brother and place in his bank. He said nothing about this to me. The money was not for him but to be split up. The bank was notified and they told me to contact the branch. My brother stole XXXX belonging to meXX/XX/XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

The company ( ies ) ; Capital One, XXXX, & REI were contacted by me on multiple occasions. When I first received the card in XXXX it had the Capital One World Elite XXXX XXXX to Benefits with it. I still retain a copy of this. I called to specifically ask them about the XXXX XXXX XXXX XXXX XXXX as I was planning a trip. I was bounced around between Capital One and XXXX indicating that they would get back to me. The following month before my trip I tried again and again was not getting this service that was indicate as part of my card benefits. I finally had to go on my trip without these. But the final straw was in using the card a few times during my travels I was supposed to get {$100.00} gift card from XXXX. I called them ( Capital One & XXXX ) and was told that it would come in XXXX. It never arrived. In addition to this the statements that I received from my charges ( which I always pay promptly at end of period ) showed different XXXX interest rates from what I was told I would get upon opening the card account. I was told my card account interest rate would be 18 %. My first statement that came in XXXX ( for XXXX charges ) showed an APR of 22.49 %. The next statement that came in XXXX ( for XXXX charges ) showed an APR of 23.99 %.
Consumer complaint received 2022-11-30
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. (GA)

On my credit report, XXXX XXXX XXXXXXXX XXXX is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both XXXX and Experian. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

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

Account name : XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX  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 the records of convictions of crime which antedated 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 2020-09-14
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: EQUIFAX, INC. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.
Consumer complaint received 2020-09-17
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Greetings to whom it may concern, In accordance with the fair credit reporting act Experian, XXXX, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance