davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX and XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-10-23
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: Experian Information Solutions Inc. (ID)

Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-23
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. (LA)

According to the Fair Credit Reporting Act, S

ection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX** and XXXX   XXXX XXXX  ( Original Creditor : 10 XXXX XXXX ) XXXX****
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-21
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: EQUIFAX, INC. (LA)

I sent a letter off on XX/XX/2022. Here are my tracking numbers : XXXX ( XXXX ), XXXX ( EQUIFAX ), and XXXX ( XXXX ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-08-21
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. (TX)

After receiving numerous calls, emails, and mail from Equifax stating I was apart of some type Breach and to inquire on settlement options I checked my credit report. Upon checking I noticed several inaccurate unauthorized inquiries. I immediately reached out and disputed. Each dispute has quickly been closed and since, more randomized inquiries have appeared prompting me to pay hundreds of dollars on a personal protective system. It has also caused severe paranoia, prompting me to check my credit several times a day rather than a couple times a month. My other reports are secure, accurate and never been hacked or exploited. During each call I am offered no true assistance or resolve. I keep a very detailed personal record of the XXXX XXXX and accounts I apply for and know without a doubt I did not authorize the activity. They have completely dropped the ball to ensure safety and accuracy of my report and have caused decrease in score and hiked rates. * 2 from XXXX, 1 from XXXX, XXXX
Consumer complaint received 2019-10-23
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)

Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX
Consumer complaint received 2022-07-04
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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2022-05-05
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (FL)

Midwest recovery on XX/XX/XXXX post on my XXXX credit report false information - that there is a collection account under my name with XXXX XXXX XXXX for {$390.00} originally reported XX/XX/XXXX. After finding out who was the original creditor that provided that information I contacted the creditor directly XXXX  XXXX XXXX and it was confirmed that the account was charged off shortly after XX/XX/XXXX - over 1 year earlier which put the account illegal to be posted on any credit reports since 7 years were passed already.
Consumer complaint received 2019-10-23
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. (PA)

On XX/XX/XXXX, I won and paid for a XXXX XXXX XXXX XXXX '' laptop on XXXX. I paid using my Chase credit card in two transactions {$1400.00} ( for the item ) plus an additional {$120.00} ( for the tax ). I picked up the XXXX, foolishly trusted the seller and took the XXXX home. I went to turn the XXXX on the following day ( XX/XX/XXXX ), it would not turn on. I contacted the seller via ebay as well as their email address ( on their business card ) on XX/XX/XXXX because I allowed the XXXX to charge overnight. No reply. I again contacted them on XX/XX/XXXX, XX/XX/XXXX and no reply. I contacted Chase. They advised they would open the dispute ( 2 ). XX/XX/XXXX Chase sent a noticed telling me the merchant said they spoke to me and I made a mistake opening the dispute, that was a lie. The noticed said " If you want to continue with the dispute, sign and return and we'll go forward '' ( in short ). I sent a secure message thru the app noting that Id like to continue with the dispute. XX/XX/XXXX I received notice from Chase stating they are considering the charge for {$1400.00} valid. I called the specialist on the claim and he stated he had no received information he requested of me. I advised him I sent all info in. He asked that I re-open the claim and fax the information I have to a fax number. I did that right away and was given a new claim number. On XX/XX/XXXX, I received notice that they approved my claim for {$120.00} ( the 2nd charge ), and credited my account. On XX/XX/XXXX, I received notice they denied my claim for {$1400.00} and that charge is valid. I called XXXX, the specialist to discuss and he advised they never received the faxes. I have proof the faxes were successfully uploaded. I begged him to look for them. He said he will have someone call me back. I have no faith. I am getting the run around and it is not fair. I am stuck with a broken {$1500.00} computer and Chase will not help me. Please, I have all paperwork and proof of everything. Please help me get my {$1400.00} back. 
These are the dates I have spoke to XXXX the claims XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a few more. 
These are the dates I have attempted to reach out to the merchant before opening the any dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... .all had no reply to them. 
Please take note, when I opened the claim, it has 2 disputes because the computer was paid in 2 separate charges. Why would they approve one charge and not the MAIN one?
Consumer complaint received 2022-07-26
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. (FL)

My right have been violated. 

XXXXl XXXX Account : # XXXX & XXXXl XXXX Account # : XXXX These accounts are being reported inaccurately and by law everything must be 100 % accurate across the board. 

The laws are clear : 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 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. 

With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. 

Shows blatant violation to my rights based on the FCRA.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the Fair Credit Reporting act Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

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 Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX Bankamerica withdrew {$2000.00} from my business checking account without my authorization & without any advisement that they were going to debit my account. They applied this money to my business credit card ending in XXXX which THEY cancelled over one year ago. 
This theft on their part caused {$280.00} in overdraft fees and bounced checks but my real concern is when I called they said they can do what they want because I was behind in my payments. Additionally they said they will debit my account for additional money to satisfy the remaining balance due at their discretion. I argued this was theft and they said I signed an agreement back in XX/XX/XXXX that would allow them to do this. I asked for a copy of this document and have not received it. 
I have been trying to make weekly payments on this credit card but most of the payments do not go through because of insufficient funds. 
I am suffering a hardship at this time and explained this to Bankamerica many times. I asked if they would consider a settlement offer to reduce the entire outstanding amount over a period of time and they said they do not offer settlement reductions on business credit cards. My home is in intent for foreclose, I am behind on my NJ sales and use tax and my rent on my business is delinquent as well. 
Also, as of close of busiess XX/XX/XXXX they have charged me a total of {$29000.00} in overdraft fees. I received a refund of {$980.00} when I prove that they allow certain checks to be cashed BEFORE I scheduled those checks to be paid. Ive ask them to refund some of these exorbitant fees and they say my account does not qualify. Why? Is it because they know I am a XXXX year old woman? Or a single mother? Or do they feel believe I have no voice because I have fallen on terrible financial set backs and they can gouge me out of dollar after dollar whenever they can. 
Please help me. Their new ad campaign now states : What would you like THE POWER to do? They refer to themselves as THE POWER now, is this what they mean? POWER to extort and wring money from your account-POWER to charge tens of thousands of dollars in overdraft fees? POWER to bleed an extra {$35.00} just because you were overdrawn more than 5x in a row? 
They have to be stopped.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-12-30
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX 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