davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-04-27
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. (NY)

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Consumer complaint received 2022-06-24
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On or about XX/XX/2023, my credit card ending in XXXX was charged {$92.00} by XXXX XXXX. I DID NOT make this charge. I contacted XXXX and can not find that it is connected with any of my previous rentals. This charge is unauthorized. I disputed it with Chase, but on XX/XX/2023 received a form letter response that simply states I am responsible because " you received a benefit from this transaction. '' What does that even mean? 

I did not authorize this charge, and under both the cardmember agreement and federal law I am NOT responsible for unauthorized charges.
Consumer complaint received 2023-04-26
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. (TX)

For at least 2 years ( likely a lot longer because I have turned to relying only on XXXX and XXXX ), I have unsuccessfully tried to get my Credit Report from EXPERIAN. It is impossible, and I believe it is impossible because their information about me is so totally inaccurate. 

For example, today I AGAIN tried to open an online account to be able to correct information on my report held by Experian. However, on the prompt from EXPERIAN for me to provide my BIRTH DATE and my SS #, an ERROR occurs. To be honest, it appears that data is SO WRONG in my Credit Report Data maintained by Experian, that THEY DO NOT RECOGNIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER so I am unable to open an online account relevant to verifying my Credit Data with Experian! 

This is Extremely distressing, since EXPERIAN is a Credit Reporting Bureau. 

It is time that EXPERIAN CORRECT the apparently BASIC information they have WRONG about me, Information like my Birthdate and Social Security Number! Thus, I can not even access the data they have about me to identify and correct the information they have wrong. This indicates MY DATA WITH EXPERIAN IS EXTREMELY COMPROMISED!! 

I am trying to access Experian to put a fraud flag on my Credit! Because of the issues above, I CAN NOT DO THIS! 

Note ; I have NO issues with XXXX and XXXX. 

Experian is UNTRUSTWORTHY and SHOULD NOT BE MANAGING MY CREDIT, IF THEY CAN NOT even AUTHORIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER.
Consumer complaint received 2020-11-12
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: NAVY FEDERAL CREDIT UNION (NC)

I Called XXXX, and XXXX to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX
Consumer complaint received 2022-12-19
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. (CA)

I have been having problems with Transunion for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I sent money to a friend through Paypal, without checking with her first. Turns out, it was an account she used ten years ago, and she can't get into it. Paypal said they could help her, if she can " validate the account, '' but she can't. This is the only way either XXXX of us can access the money. It's absurd. She can't get the money, and I can't get it back. 

Please help us! The amount was {$46.00} that I sent to XXXX XXXX on XXXX XXXX, 2021.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

Received letter from XXXX  Civil Court of XXXX XXXX XXXXXXXX, XXXX XXXX postmarked XX/XX/2020 notifying me that Midland Credit Management INC was suing me Index No XXXX without notification from the collection agency or without any attempts to be served. 

Amount due according to the court is {$1400.00}. 

I have also sent a letter outlining that I am disputing the debt as well.
Consumer complaint received 2020-11-12
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: TD BANK US HOLDING COMPANY (FL)

I filed a complaint with TD Bank about Gas merchants charging my card differential amounts of {$100.00} that I did not spend at merchants. I use my card at the pump when I pay for gas and choose credit. Normally they do not hold fees when I use my debit card as a credit at the pump. The transaction shows as {$1.00} and a few days later the actual amount is taken out. I called TD and reported the post-paid {$100.00} charges as inaccurate. My car doesn't take {$100.00} to fill up, it takes about $ XXXX to fill. I received a letter today in the mail that based on their investigation, I have to dispute it with the merchant myself. And the provisional credit that was applied to my account up to {$200.00} will be reversed. This is extremely upsetting and this is not the first time this bank has claimed that no error has occurred during a transaction that I didn't agree to or paid on. I had an overcharged on a restaurant and they disputed that I will have to deal with the merchant myself. They are not doing their investigations correctly. I do not have a receipt to challenge the charges myself, nor do I have my old debit card number to do so as well. TD has been trying my patience all year and it's time for the government to look into this. For every claim, I filed they send a correspondence that I have to do the investigation on my own and they are reversing the credit. I pay enough fees on my account to not get the full respect I deserve. 

I have the transaction pictures attached.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK (FL)

We paid off our loan XX/XX/XXXX at United Community Bank in GA ( which I believe was sold to XX/XX/XXXX- XXXX XXXX on XXXX our escrow refund of {$1200.00} was supposedly mailed to us. We moved out of state and never received it. 
I updated our address at the bank in XXXX. I called XXXX talked to a person by the name of XXXX she stated she would have it re-issued. On XXXX at XXXX I called again spoke to XXXX she stated she couldnt do anything until 30 days - asked if I could call back after XXXX. Keep in mind its not an easy process to keep calling back. I called back XX/XX/XXXX at XXXX spoke with XXXX after about 15 mins I realized she wasnt much help, I asked to speak to a Supervisor. When she transferred me she sent me to the loss draft department instead of the supervisor line.. each time I have to repeat my information and reverify myself at this point, Ive been on the phone for over a hour. I was then transferred back and specifically ask the man to not blind transfer me to let them know what my issue is, so I dont have to repeat everything again. Well that didnt happen a supervisor XXXX answered stated she was going to escalate my issue XXXX via a form ) and request them to overnight the funds. As of XX/XX/XXXX at XXXX XXXX  I have not heard from anyone. I would like my funds overnighted to me ASAP. 
This is completely unacceptable and a very poor customer experience.
Consumer complaint received 2023-01-29
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. (FL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-02
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. (MS)

TransUnion has fell to provide the accurate source of information for a public record that appears on my consumer report. TransUnion relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. TransUnion stated US Bankruptcy XXXX MS verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with TransUnion ; in which the information was never provided as requested. TransUnion has stated public records are obtained through a third-party vendor, LCI. 

In a previous CFPB complaint, LCI stated their information source is XXXX XXXX does not furnish nor verify public records. The source for this public record is inaccurate. I did not give TransUnion consent to furnish this public record on my consumer report. TransUnion has invaded my right to privacy. TransUnion has also fell their grave responsibilities under the FCRA.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (TN)

On my Equifax Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the Equifax credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to Equifax regarding inaccuracies and incompleteness requestion corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent Equifax credit report ( Dated Decmber XXXX, 2022 ) as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Notice of Dispute, the Accounts Charge Off Amount and the Close Date. The Payment History iindicates that the account is paid on time while at the same time the credit report indicates it is in collections! All these inaccuraces and incomplete reporting are FCRA violations.
Consumer complaint received 2022-06-24
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. (MI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-11
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. (NY)

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 # XXXX XXXX XXXX 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 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK (NC)

On Friday, XX/XX/XXXX my personal checking account was restricted ( frozen ). I went to the bank on Monday, XX/XX/XXXX and spoke with the account specialist for an explanation. The specialist stated that my personal account was restricted because I deposited a check made out to my business into my personal account. 

I explained to the specialist that I am " dba '' ( doing business as ) of my business. On XX/XX/XXXX, I emailed the Account Specialist my EIN which was assigned to me by the IRS. 
( " I am the business and the business is me. '' ) I was forced to close my business account prior to this incident because there were unauthorized debits totaling {$11000.00} on XX/XX/XXXX, XXXX, and XXXX of XXXX that were debited resulting in my account to be overdrawn, and also causing checks to be returned. 

The bank is holding my funds unnecessarily which is causing me emotional distress. My son and I were both diagnosed with XXXX during this time and I was not able to pay our co-pay at the doctor 's office. I also have not been able to purchase food and gas, as well as other incidentals. 

I am requesting that my funds are released immediately and an investigation is launched in regards to the unauthorized debits from my business checking in the amount of {$11000.00} that were deducted. I am also seeking compensation for emotional distress.