davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (TX)

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following company FNB OHAMA was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX anew account shows up as opened in XXXX. 
The following account does not belong to me and is a result of fraud that I did not authorize : Fnb Omaha - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Consumer complaint received 2022-04-26
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. (MI)

Hi I am submitting this XXXX 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 heck 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX XXXX who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00}
Consumer complaint received 2022-04-26
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-28
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (TN)

To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and 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 credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I got a paycheck ( {$1800.00} ) and went to deposit it at the Chase ATM on XX/XX/23. I got an error message saying the check couldnt be processed, but the ATM never returned my check, nor did I receive a receipt. I went to inside the branch to speak to the teller to grab my check from the machine, but apparently they dont have the clearance to just open the ATM machine. They gave me a customer support number to call to file a claim. I called customer support I gave them all the information and they told me to wait 2 weeks for them to investigate. I had told my employer about the situation and they tell me the check has already been cleared and funds debited from their account, and deducted from their account. I even faxed a screenshot of the transaction from my employers side XXXX XXXX  XXXX XXXX ), that the funds had been taken from their account, even though according to my employer XXXX says the check is pending transaction. 

Fast forward 2 weeks, I call customer support and they tell me the check is not found, so they cant return my funds. Someone on the Chase side processed my check and has my money hostage. They closed my case and said there is nothing they can do to help me. I went into the Chase branch today to follow up. The representative mentioned that they are going to escalate the matter to another department. The did not mention how long the process would take. My employer also filed a claim on the XXXX  side. XXXX said they will investigate, but the process could take up to 90 days. I cant sit around 90 days to potentially be told the same thing today and not have my funds reflected on my account.
Consumer complaint received 2022-05-26
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. (GA)

XXXX accordance with the Fair Credit Reporting act # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-05-26
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. (FL)

I initiated a request to purchase a XXXX watch on " XXXX XXXX XXXX XXXX on XXXX, XXXX 2022. 
I paid " {$5300.00} '' as down payment and applied for a load with amount of " {$5000.00} '' on their website. ( The total amount of watch was {$10000.00} ) I was in contact with the Sales person and she has been waiting for me until the next day morning to have the loan approved. 
My load got rejected and I let the merchant know and they cancelled my order. 
When I asked them to return the down payment, they denied to do it immediately and let me know that according to their policy, they will have to charge me 20 % for restocking fee as they have already started my purchase! 
I never received any invoice and Sales person clearly told me that is waiting for me to provide the rest of the fund ( XXXX ). 

In any case, cancellation was not on my side and my loan fell through. 
I disputed a charge with my Bank ( J.P.Morgan Chase ) as the transaction was on Chase XXXX  XXXX XXXX. 

Unfortunately they could not get my money back and now saying the dispute time has passed and they are not able to help me anymore. 
I asked Merchant again, they are not returning my down payment fully. 

Please help as myself and my wife must work hard to save that much in a year. 

I can provide any evidence upon request.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Carvana Group, LLC (OR)

In XXXX XXXX  XXXX, I purchased a XXXX XXXX XXXX from Carvana. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from Cavana was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either XXXX or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all XXXX websites, Carvana old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there XXXX different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all XXXX credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score.

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it.

Cavana refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system.

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well.

Can you help me or steer me in the right direction? What they did to me is not right.
Consumer complaint received 2022-04-26
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)

I have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is XXXX XXXX Illinois XXXX
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (MN)

These inquiries do not belong to me. These are fraudulent inquiries. I have disputed these multiple times with equifax with no results. These are the companies involved : XXXX XXXX XXXX Date Of Inquiry : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2022-11-18
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (FL)

I am writing to bring to your attention a serious violation of my consumer rights by BMG MONEY INC. I have recently discovered that BMG MONEY INC have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. Furthermore, I have reason to believe that BMG MONEY INC has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of BMG MONEY INC, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties. 

I demand that BMG MONEY INC rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.
Consumer complaint received 2019-05-19
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: EQUIFAX, INC. (WA)

After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, Equifax and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, Equifax and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, Equifax and XXXX credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (OR)

On XX/XX/2022 I was notified by General Revenue Corporation that they are now trying to collect an outstanding balance from XXXX XXXX University from Fall term 2022 in the amount of {$1300.00}. I have double checked with XXXX XXXX and have confirmed that the amount owing is {$1000.00}. I have disputed the additional amount in collection fees in the amount of {$260.00}. I have contacted the both by phone and email about this issue. Today, XX/XX/2022 I got a huge packet of information from them which went over my entire payment history with XXXX which included information that has nothing to do with the amount in question. I would really like them to stop contacting me about this matter because I will take care of the {$1000.00} owing to XXXX but will definitely not be paying any thing else. I have a meeting with XXXX on XXXX regarding this matter. Again I never disputed the amount owing just do not feel I should be resonsible for their collection costs. 

XXXX XXXX
Consumer complaint received 2021-02-13
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. (MD)

I mailed out my dispute letter XX/XX/20 to transunion. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.