davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (CA)

I submitted several requests for validation of debit to Transunion and XXXX XXXX XXXX. They could not provide documentation that I opened an XXXX XXXX XXXX account or owed any money to XXXX XXXX XXXX XXXX XXXX XXXX. They refused to remove the negative collections remarks from my Transunion credit profile. 
XXXX agreed in writing to remove the derogatory remarks from my profile, but Transunion didn't fulfill its obligation. Transunion didn't obtain proof that the claim made by XXXX was valid, and even with a deletion letter, they failed to remove the negative remark from my credit score. 

I demand to have this corrected immediately.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy. 

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n. 
There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers. 
The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

There was around {$5000.00} in unauthorized charges to my checking account a year ago. My wallet was stolen with my drivers license and debit card inside and used by an unknown unauthorized person. I have filed a police report and submitted all proof and documentation as required within their timely filing windows. I have spoken on the phone with them many many times with no success. I was told twice that the error was on their end as far as resolution due to a filing error. I was then told this was fixed and refiled and later was told that it was not. Then the account was closed with an egregiously erroneous negative balance due to the length of time that it was taking to get resolved. Now I am being harassed by phone calls about this account which was closed in error, due to being negative for a balance I did not owe. Meanwhile for almost a year now I have not had access to money that was mine in the account.
Consumer complaint received 2021-12-28
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. (GA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I set up the direct pay account so long ago, I can not remember what it was for. Every pay period {$25.00} dollars went to this account for years. Today when I tried to get information on this account, there was no phone number. Just the routing number, account number, and the name of the Bank. It says Bank Of America, XXXX XXXX XXXX XXXX XXXX Mo. XXXX. The Routing number # XXXX and account # XXXX. I tried calling XXXX to no avail. I also tried XXXX to no avail, as I got the second number from an on line search and a second address of XXXX XXXX XXXX XXXX VA XXXX. 

I cancelled the direct deposit with my payroll office XXXX XXXX and XXXX XXXX ( XXXX ) XXXX as of today. 

I've been scammed and cheated. 

I went directly to a Bank Of America bank at XXXX XXXX XXXX XXXX XXXX Maryland, and a teller and banker told me that it is not their account and not their routing number. I thought, how odd because the routing number comes up as Bank Of America. So now the question is, where is my money going and how do I recover all the previous deposits? Whatever you can do to help would be greatly appreciated. Thank you.
Consumer complaint received 2022-02-07
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. (WA)

I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( XXXX ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts
Consumer complaint received 2022-08-22
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. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Someone has taken compete control of my identity which has been very overwhelming.I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report .and not sure who has my information or how they got it.I have been calling the credit bureaus explaining this but as of today they have not been and help.Please help me take my life back
Consumer complaint received 2022-10-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (IA)

I have been contacted multiple times by a company XXXX XXXX. I have tried to explain that I have contacted Check N Go, which is who the debt was originally from, and they dont have any records of me obtaining a payday loan. This is what I have tried to tell XXXX XXXX but they have said theyre just going to sue me, and my recent call they said theyve sent the paperwork to garnish my wages. I tried to tell the female at extension XXXX dont contact me anymore by phone, I will gladly give you my address so you can send me something by mail. She said that wont be necessary, we are in the process of filing paperwork to garnish your wages and hung up on me. I called them back at XXXX and I kept getting hung up on by multiple females. I finally got XXXX, XXXX to speak with me, I just said I need to speak with your supervisor. She said I had already spoke to him and that he wouldnt take another call from me because theyve already started the process to garnish my wages. I said I just want to tell XXXX of you that I dont want contacted by phone anymore and if they did I would contact the fair credit bureau, she said you dont need to tell us that just go ahead and do it.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (FL)

MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED TRANSUNION RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) TRANSUNION SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A TRANSUNION FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS DAYS
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I opened up a Citibank Checking Account through their website to take advantage of an offer they were having where if I deposited {$15000.00} they would give me {$400.00}. 

Currently, that offer is the same right now on their website, deposit {$15000.00} but this time, it's only a {$300.00} bonus. Either way, the fine print is the same. 

So after a few months of not getting the bonus, I reached out to them to see what was going on. They responded with the attached document that I saved. The customer service representative after looking over my account verified that I would receive the bonus on XX/XX/XXXX. 

" XXXX : as i see you have funded the account on XX/XX/XXXX so you will receive the bonus on XXXX XXXX, XXXX '' XX/XX/XXXX came and went and so I messaged them again and they said that they are denying my bonus. 

My husband did this exact promotion at the exact same time as me. He got the bonus. I didn't. I don't know why they're refusing to pay me the bonus that was per their terms and conditions. 

I was going to attach their reply to me but for some reason they deleted it on my 'secure messages '. Not sure why. It was case # XXXX.
Consumer complaint received 2022-01-12
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. (TX)

XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my XXXX, XXXX, and Transunion Report. This account is paid and closed. Please update status on my credit report. Thanks
Consumer complaint received 2022-01-12
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: Possible Financial Inc (OH)

This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX  XXXX -POSSIBLE FINANCIAL INC. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2023-07-21
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: WELLS FARGO & COMPANY (FL)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Chexsystem has a issues with there system when u put in ur request your request for releasing your data to another bank or credit union the bank receives errors all the time. When I call and verify that my information was lift on this date and time XX/XX/XXXX. 
This concern had been happening for a long time I'm assuming that when information from the bank only see ( security freeze in place ) So I assuming if this happen every time I need something there is a problem with the system releasing proper and accurate information to the appropriate credit union that I filed for. 

This same exact issues happen 6 months ago checking out the system see if it work and it doesn't took chexsystem 15 days to release my security freeze from my account/ check system indicates they lost all my data on these dates at hand XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and this list goes on. The see concern and issues need to be looked. And investigate. Why chexsystem promise their customers ( there freeze will be lifted immediately ) when the information is completely false all these date and occasions I have experience inconvenience from chexsystem..
Consumer complaint received 2022-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IL)

I am currently a co-signer for my XXXX XXXX student loans ( XXXX ) with Sallie Mae. I fell upon hard times about XXXX months ago and reached out to them for forbearance, Sallie Mae 's XXXX told me, I did not qualify. Henceforth, I struggle to make payments. Finally, when I got a job, I made an arrangement with Sallie Mae to pay them a certain monthly amount per a deferment program they offered. I have adhered to our agreement and have paid Sallie Mae on time for each XXXX trial period payment. Moreover, a few days after I enrolled in the program, I called Sallie Mae and asked them why I am still getting past due notices. They told me once I made all three of the payments, I would no longer get the past due notices and my credit report would be rectified. I have paid the XXXX payments ( XXXX, XXXX, and XXXX ) for their program now they are reporting me past due XXXX  days on my credit report and refuses to correct this matter. In addition, I called Sallie Mae today about the past due notices, I was transferred well over XXXX times and each Sallie Mae 's representative told me different information. None of these reps seem to know what was going on, not to mention that they stated that the derogatory marks on my credit report are not going to be removed. Please, help me! Sallie Mae is taking money out of my checking account every month for this program and my loan is not decreasing and they are still sending me past due notices, and they are destroying my credit. 

In addition, when I had signed up for this program Sallie Mae told me that this program was going to be for all three loans. As you can see on the dashboard screenshot they have the program for XXXX loans. I do recall when I set up these arrangements that I would omit the lesser amount loan. However they have put that loan in the arrangement and have that past due. Last but not least, I went on to their payment center dashboard and tried to make a payment for the loans and the payment defaults to you are already on auto pay.