davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I have a been a Chase customer for over 20 years. I received a notice in the mail that all my checking and savings accounts have been closed. I went to a bank branch. They said they couldn't help. They told me to call the number on the notice. I called and waited 30 minutes and my call was disconnected. I called and was asked for my number so I could wait for a call back. I waited 19 minutes for a call back. When it came I was told to hold. I waited another 10 minutes. Then the call was abruptly disconnected. This was not a cell phone issue. I was calling from a lan line. I simply want to know why all my checking accounts were closed with little notice and I would like to know why my accounts were closed.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My card had a {$10000.00} limit on it and I got an email yesterday telling me that because I was not using all of my credit they were reducing my limit to {$5000.00}. I was being penalized for using my credit responsibly! Additionally, by reducing my limit they caused my credit rating to take a hit.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX Account Number 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 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 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX   XXXX, XXXX  , OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have previously disputed this account with Bank of America and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balance. Bank of America did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.
Consumer complaint received 2021-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have sent the payments on time and the company holds the payments until they decide they are going to process three payments at once. This has for late payments on my credit report. I have sent this information to them and this has not been corrected. They now have collected 1000s in additional fees and charges. This is my third complaint and I still do not have this corrected and have the paperwork on the certified checks from XXXX XXXX XXXX to show that these check went out each month. Then they show me late.
Consumer complaint received 2020-07-07
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT XX/XX/2020
Consumer complaint received 2023-03-28
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. (NY)

Unable to pull credit report from any website from Equifax credit bureau, unable to access credit file. Bureau responds to all inquiries with code " NH '' indicating that a credit file does not exist.

Bureau took no action dispute calling Customer Service as instructed via their error message.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX  XXXX  XXXX  ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXXXXXX XXXX are incorrect. 

Furthermore, I am confused as to how the XXXX XXXX XXXX case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXXXXXX XXXX ( inquiry on XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXX DXXXX XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XXXX XXXX XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXX XXXX XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There is information on my credit report saying that I owed Capital One {$3600.00} on a credit card last XX/XX/2008 and this inaccurate report impact my credit score big time. 

I tried several ways to dispute the report that I am not even aware of and I even hired a well-known credit repair company to have it removed but capital one was not able to remove it. 

I will provide you my personal information to support the investigation to prove that this is a mismatch of identity and this report is not mine.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

They trying to collect a debt i don't owe. The account was closed after 3 weeks of service and they trying to charge me a second month service. All the money i put dow for the device and taxes they never refunded. And now they asking me to pay more money
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NJ)

XX/XX/2023 XXXX I recently received a copy of my credit report and dont recall authorizing these below listed inquiries. Please remove these inquiries from my credit report immediately. If you find the inquiries referenced above to be valid, please send me a documentation showing that I indeed did authorize these inquiries or please delete. 



If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible and I am requesting them to be deleted : Inquiries, dispute_instruction XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

Two issues : 1. Flagship credit acceptance corporation is reporting in accurate information about my account number XXXX to both XXXX and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on XXXX and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

2. Flagship credit acceptance says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

3. On XXXX and XXXX they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This is my 5th attempt or more to resolve this issue with PRA. This company has falsified a response in an effort to close out this complain. As a consumer, this is a complete violation of the fair process that the CFPB provides. Additionally the company has sent additional letters to collect a debt that has not been validated and these were sent after I requested all communications to be ceased.

This company has only provided proof of my mailing address, without VALIDATION or competent evidence that I have any legal obligation to this alleged debt.

This office continues to report invalidated information to 3 Major credit bureaus ( XXXX XXXX, or XXXX ) and this action constitutes fraud under both Federal and State Laws : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

Now that it is 30 days later, I demand Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) I am invoking remedy as a consumer, deletion of all alleged accounts ( ending in 2682, 5799, 6992 and 3759 ) from all credit bureaus.

I will provide every single copy of letters received, including those received after I requested to no longer be contacted, which is in violation of my consumer rights.
Consumer complaint received 2020-08-28
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. (WA)

Problem with Transunion and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Professional Credit I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CO)

On XXXX the XXXX I receive and email from 'Discover Card telling me that I have no more credit card with them! I have always pay on time! And have not miss and payment! 

I call on XXXX the XXXX and talk to Manager XXXX XXXX and she didn't care about if I was good customer with them! I feel I was treated very badly! To come and just take my card from me! Is so wrong!
Consumer complaint received 2020-08-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.
Consumer complaint received 2023-01-13
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. (FL)

I sent an copy of evidence of inaccuracy of an account on credit report and credit bureau failed to investigate the evidence that came directly from the furnishers. After calling the bureau they claim that the information is accurate when I took my time and gathered all the evidence to expose the intentional and falsified information being reported by furnisher. They fail to confirm where the information came from. I did not create fraudulent documents to send to the credit bureau and since they have failed their duty to report accurate information and failure to investigate I will get remedy in court. I only want this to be documented by consumer financial bureau to have more exhibits and record of their fraudulent operation.
Consumer complaint received 2023-03-28
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. (VA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with XXXX to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX  because of my spouse death. before his passing we were never late. The bill was paid in full by the state of Financial Controller and cleared. Hopefully that should come off my credit in a timely manner. I have tried XXXX boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.