davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (IL)

On XX/XX/XXXX, I received correspondence from Trans Union file # XXXX indicating that they completed their investigation and that the following accounts were verified. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX After looking at the results the Credit Bureau has not done a proper investigation under 15 USC 1681 ia ( e ). The law clearly states, and the statue indicates investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning nay such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or form the consumer. 
Trans Union is continuously violating my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly States the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

Trans Union also failed to follow the statue regarding 15 USC section 1681 i ( a ) they failed to provide accounting of their complete investigation as required by the statue and case law that has been ruled in many circuits in US District Court. A violation of 1681 i ( a ) requires a consumer reporting agency to conduct a reasonable reinvestigation of the disputed information contained in the consumers credit file requiring the consumer reporting agency to have disclosed the consumers credit file. Also, in case law Bryant v. TRW, Inc. 689F.2d 72, 79 ( 6th Cir. 1982 ) ( making two telephone calls to the creditor was insufficient to re-verify disputed information ). Because there was a genuine issue of material fact regarding whether XXXX  was negligent in failing to comply with the reasonable reinvestigation requirement, the district court then had to decide whether there was a genuine issue of material facts.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. ()

I have done a mistake of only credit card utilisation of 99 % which is already my secured credit card but My credit bureau " Experian '' has been updated XXXX in my credit report & my all going XXXX is on XXXX & recently I already cleared a successful loan of my account. Is it a way to update credit report. Totally fake upgradation on Credit report by " Experian ''.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (NJ)

Today XXXX XXXX, Experian via email gave results to an investigative report of the disputed inaccuracies on my consumer credit file and report. They concluded that they spoke to the creditor ( s ) XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX  - XXXX and the creditors certified ( officially attested to something they were not witness to ) to Experian that the information was accurate and factual. ( Exhibit A ). With that written on my consumer report that is evidence of willful noncompliance of 15 USC 1681a ( e ), as it states no factual information shall be furnished on the consumer 's credit record obtained directly from the creditor or person reporting the information. Experian unfair acts and refusal to remove what should be EXCLUDED from my consumer report has caused financial and emotional damages and injuries. They are not following my written instructions of what I am allowing them to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). Experian is also reporting transactions that are dealing with an extension of consumer credit via a credit card which Congress said shall NOT be furnished on consumer reports.
Consumer complaint received 2022-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, Experian sent me an updated copy of my credit report with a negative item reporting, stating that the information came from their data furnisher XXXX. 

However, in XXXX, the data furnisher XXXX informed me that the alleged data was deleted from my XXXX credit file, as the information could not be verified. 

I sent a follow-up letter to Experian in XX/XX/XXXX showing proof from their data furnisher XXXX, as well as additional proof documents that the information is not valid, and has been deleted from the other two bureaus ( XXXX and XXXX ) . 

In XX/XX/XXXX, Experian sends a letter which states the information was verified by their data furnisher XXXX. However, Experian did not provide any evidence, and the letter looks exactly the same as their letter from XX/XX/XXXX. 

Experian is committing an act of negligent noncompliance as defined in the Fair Credit Reporting Act 617 -- " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ]. 

Experian continues to report this negative item on my credit report, which has prevented me from obtaining credit, and having my loan application denied due to this negative item that needs to be removed from my credit report.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect (WA)

This company called Americollect is attempting to collect an unknown debt from me by calling me 2 times a day, and contacting me after I asked them to stop. It is harassment. I also have done my research on the company and they have a record of harassment, threatening, refusing to send debt statement letters to those who owe, taking multiple payments for one debt and refusing to report the full payment to the credit bureaus, and attempt to collect false debt. This is criminal and must be stopped. The last time I was contacted was today XXXX XXXX 2021 at XXXX XXXX  two times in a row and I have pictures of my call log to prove it.
Consumer complaint received 2021-10-06
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. (IN)

I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

According to XXXX XXXX a capital one credit credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX
Consumer complaint received 2021-12-08
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. (NY)

I have tried endlessly to fix the problems I am having with the reporting of these erroneous items on my credit. With no response, validation or help from the major reporting Bureaus I don't know what else to do. These accounts are really effecting me and stressing me out because of the way I am judged by the wrong reporting of these Bureaus because of them violating compliance when reporting. The accounts that have not been validated and are effecting me negatively are, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Please delete these accounts immediately or I will be seeking litigation.
Consumer complaint received 2022-06-20
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (OK)

Hello I'm wanting to change my account open date to XX/XX/2022. I am aware that Wells Fargo is currently reporting my account as is should. I Currently am enrolled in auto pay and my account has been paying on time for over 6 months. I am very thankful for the opportunity and hope to hear back soon Thank You
Consumer complaint received 2021-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2022-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

Both parents are deceased. Current death was my father XX/XX/2021. Gave death certificate to Chase bank XXXX XX/XX/XXXX. Asked if he had any other business at bank and they refused to give me info. now 1 yr later they summoned me with a suit to sue because of non-payment to an acct I had no knowledge to or wasn't authorized to get info back then. now that it is in foreclosure processing they want me to talk to me. funny how they are given me authorization now... .my name has always been on the death certificate. this could have been prevented and now I incurred all kinds of fees and a Chase bank rep told me that I can assume the loan. I asked the Chase bank rep if I can get more time before it was sold to look into this to see what I could do and he insisted on pushing to complete the assumption loan. after a few calls, a different Chase bank rep told me to suspend Foreclosure I can exercise the Covid 19 assistance for 18 months. turns out it was 12 but it helps. I called the rep that was pushing the assumption and told him what I had found out and I exercised the Covid 19 assistance with the 2nd rep. He immediately went into defense and said, " I told you that too! '' I complained about the 1st Chase rep and they did an internal investigation and found out that he never said anything about this knowing that I inquired about how to stop or suspend the foreclosure process. Chase bank resolution is " he will receive more training. '' Well, he definitely violated the Dodds-Frank Act by withholding info to assist me and this resolution they came up with isn't enough. I am stressed over these actions, I am no longer trusting Chase bank representatives and I am stressed and can not sleep or function right because of this. This has caused me mental stress and I can not find an attorney to call back or back me up regarding this matter in the state of Indiana. This law suit is reflecting on my records and causing others to proceed with suit because they have notified them. They are listed on the summons. Chase bank unfair and deceptive ways from the 1st representative should be illegal. The rep that reported the resolution to me said that she works with the individual that was not in compliant. I asked if all fails, can I negotiate for a lower payment since this is not my debt. She said Chase bank will not do so. I ask was she one of the deciding factors, she said " NO ''. Then she proceeded to question what other actions were I expecting to take with Chase bank which was strange and she asked what did I want them to do other than give the rep training. This whole thing is stressing me out.
Consumer complaint received 2022-06-20
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. (NH)

This is a complaint complaint against XXXX XXXX XXXX XXXX. I spoke with their employees who all claimed to not work on commission. They offered me 3 nights at XXXX XXXX which I never gotten or used. They told me I was making a good financial investment. They baited me with lies like saying I will never have to pay maintenance fees again. They enticed me saying I'll make money from this XXXX if decide to re-sell it, as the resale value would go up. They said it has tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I was not made aware of the fees involved in this. They withheld information like informing how cancellation process works, I didn't even know hoe many days to cancel. I had financial difficulties and relationship stress due to this XXXX such as getting divorced. One of the worst experiences is that losing a lot of money for something that is overpriced which I never or can't even use. I was lied to and taken advantage of, they defrauded me, I was baited by their deceiving sales tactics.
Consumer complaint received 2021-07-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (LA)

Screen Shot XXXX at XXXX ... png ( 85 KB ) XXXX XXXX  30 Day deposit ... docx ( 15 KB ) Speedy Cash Loan.pdf ( 582 KB ) Good Morning, It is unfortunate that I must resort to such a complaint. However Speedy cash has given me no choice but to officially report my issues with them due to repeated unheard complaints to them. 

XX/XX/2021 weeks ago I attempted to get a " speedy cash '' load to tide me over until payday. a few days later I got a notice that they had released funds to my bank and would the availability would be determined by the bank. So I called and was told that there was a issue on their side. I told them I didn't need it now and we can just cancel the loan. I was told to send a statement to customer service and let them know not to pull funds from my account, which I did XX/XX/2021. XX/XX/XXXX they again asked for t he documentation showing no loan was processed by my bank, so I sent my entire statement. This morning XX/XX/2021 I noticed they have placed a hold on my account for loan ( that I did not receive ) repayment. I contacted Speedy loan and they were unable to fix the problem. 

As you can see below the only transaction that has taken place in my bank account has been a withholding by speedy cash, therefore I want to file an official complaint against that company. They never provided the load they promised, only the recovery. 

Thank you XXXX XXXX
Consumer complaint received 2021-07-10
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. (CA)

I applied for credit with XXXX XXXX XXXX XXXX Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/XXXX  ( current/past ). I actually applied and was invited via my Experian membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies.

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

I am submitting this complaint on behalf of my mother. 

In XXXX of XXXX two separate companies, one based in XXXX XXXX, the other in XXXX, made fraudulent charges totaling in excess of {$8000.00} with my mother 's credit card. 

She is retired and lives in XXXX Texas. She has never been to, nor does she have any associates in either of these countries. 

She disputed the charges, filing a claim of fraud in XXXX of XXXX. However the credit card company disputes this claim and is arguing she ( my mother ) benefited from these charges. We requested proof of the benefits my mother received from these charges, however the credit card company has not provided any documentation toward said benefits. 

We are filing a police report regarding the fraudulent charges. 

The credit card company has stated they intend to turn the matter over to a collections lawyer for review if they do not receive payment ( including interest ) by XX/XX/XXXX.
Consumer complaint received 2022-06-20
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 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-08
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX & XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX FI XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.