davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: SUN LOAN COMPANY INC. (AL)

Last month I filed a complaint here against Sun Loan Company regarding their reporting of this account onto my consumer report. 

Sun Loan claims they have received XXXX indirect disputes and have correctly responded to all of them within 30 days. 

I disagree, I requested XXXX to provide my full file disclosure and I need only information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my reports, there is contradictory, incomplete, and incorrect information. 


The company responded claiming XXXX XXXX bought the Debt XXXX, XXXX 2020 ( Attached ) I sent this letter off to XXXX XXXX. 

XXXX XXXX that they bought the Debt XXXX, XXXX 2020 NOT XXXX, XXXX 2020 Sun Loan also claims theyre not responsible for the credit reporting and that XXXX XXXX is responsible. 

Well, XXXX states that theyre not furnishing this account to the credit reporting agencies. ( Attached ) It appears you ( SUN LOAN ) continue to lie to me and now youre lying to your boss. ( CFPB ) Please be reminded of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2022-06-17
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 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-08-19
Product: Credit reporting 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)

I have reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with complete accuracy. I have never been late on payments for the accounts that i have provided as an attachment inside this complaint XX/XX/year> and XX/XX/year>. Today is XX/XX/XXXX and my payment is due on the XXXX of each month. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided to me I asked that these payments be updated to PAID AS AGREED and ON TIME a thy should be due to the fact that I was never late. Thank you for your help Please see the attachment provided
Consumer complaint received 2022-06-17
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. (NV)

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. Also according to XXXX XXXX XXXX. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have sent multiple letters on my behalf disputing an auto loan account on my Experian credit report showing delinquent, the loan has been paid off in full from XXXX  XXXX XXXX XXXX. I contacted the creditor themselves and I was told reach out to the credit bureau to have the information removed, yet the balance is still showing negative. I have receive a letter directly from the creditor to send to them regarding the issue and still no results for the past few months. I will attach supporting documentation. 
The is account by the name of XXXX that I never obtained credit from, this was fraud, I reached out to the creditor directly and there was nothing they could do for me. I refuse to pay a debt that does not belong to me because its simply unfair. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (VA)

To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
XXXX. I am the rightful owner of this debt by sending me the XXXX XXXX with my original signature, the name, address and telephone number of the XXXX, the full payment history of this account with all the payments made, and proof that they are authorized by the XXXX to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

I paid Convergent Outsourcing {$300.00} on XX/XX/2020, that satisfied my debt in full with them. I have asked them to remove the account from all 3 credit bureaus several times but instead they update the remarks to paid in full and closed. Because they are now paid off I think it is fair that that account is deleted from all 3 credit bureaus. Convergent Outsourcing have been paid in full and should be removed from my reports so the derogatory mark is removed and I can proceed with buying my house as the mortgage lender asked that all collections be removed from all 3 credit bureaus once paid in full. Thank you.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX 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 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Convergent outsourcimg, XXXX XXXX   XXXX open in 2016 XXXX XXXX XXXX at. XXXX WA XXXX Account XXXX Child support account that is closed still account Inaccurate verification of my identity on credit bureau the questions that they have does not match anything that I have going on there for it will not let me prove my identity to be able to log into my accounts with all three credit reports
Consumer complaint received 2020-04-04
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. (CA)

I have tried numerous attempts to contact experian regarding the unathorized inquiries placed on my account. I first contacted them back in XXXX, 2019 and again in XXXX. I have not been contacted regarding their finding nor have I sent a copy of my credit report. These unauthorized inquiries are causing other lenders to decline my loan application and has caused great stress.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

Hello, I have submitted a dispute thru equifax.com for XXXX XXXX  XXXX and it came as verified. I asked to provide me the backup of how the account was verefied and all I received was a credit report. I have also email and called XXXX XXXX  XXXX to verify my account few times and every time they fail. This is not my account. It has never been mine. I have never used them and have no idea who they are. Please delete this from my file. 
XXXX # # # # # # XXXX XXXX XXXX {$130.00}.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (DC)

Claim Number : XXXX File Date : XX/XX/2022 Claim Type : Trip Cancellation/Interruption I put in vast quantities of information to recover {$5300.00} from my credit card company due to a trip cancellation that I had in XXXX. The flight to XXXX was cancelled due to strikes in XXXX for me & my husband. Due to airport delays & weather, we could not get on a new flight to XXXX in time for vacation. Due to this, I needed to cancel our flight home from XXXX back to XXXX. My return ticket from XXXX was nonrefundable as was my hotel. My card company specifically states that they will reimburse me in these types of matters, but after XXXX weeks of talking to multiple claim agents, I only get a refund for {$510.00}.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

XXXX XXXX XXXX Account XXXX. XXXX My bill cycle ran from the XXXX to the XXXX each month, with payments due on the XXXX of the following month. On XX/XX/2022, I canceled service for line ending in XXXX by completing a port-out of the telephone number to another wireless carrier. The voice lines ending in XXXX and XXXX were then canceled on XX/XX/2022, when I completed a port-out of these lines to another wireless carrier. The account was canceled, and I was clearly instructed to cancel my remaining non-using line ending in XXXX to cancel on XX/XX/XXXX, unfortunately, XXXX tricked me and did not cancel, and I called them again and asked to cancel that number. please ask them to check the call logs. and they sent me the final bill of {$370.00} which I am ready to pay. since my account is canceled on XX/XX/XXXX, XXXX  does not have permission to take money out of my back without giving me a proper explanation or a paper bill. So I stopped the payment of {$160.00} which is the wrong amount anyway. since my bill period is XXXX to the XXXX of every month, I only owe prorated charge of XXXX  days that is {$79.00} ( $ XXXX {$4.00} - XXXX ) + {$34.00} + {$5.00} = XXXX +/- {$5.00} ( Note - this from their letter of explanation - The billing statement dated XX/XX/2022, reflected a balance owed in the amount of {$180.00} of which {$140.00} was for rate plan charges, {$34.00} for equipment charges, {$23.00} for service charges, and a credit of {$16.00} for one-time charges. A payment of {$180.00} was remitted via AutoPay on XX/XX/2022, reducing the balance to XXXX  ) there are XXXX  complaints - XXXX their customer support gave me the wrong information and made all this mess. they didn't cancel my non-using XXXX number since I asked them to cancel on XX/XX/XXXX and XXXX, second, they withdraw money from my back without my authorization or without a proper paper bill, and now charging me {$30.00} for {$30.00} payment return fee.
Consumer complaint received 2022-06-17
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 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 im XXXX now.with no help.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE FRAUDSTER XXXX, TRANSUNION AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-06
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 had reported my card as stolen after being XXXX for XXXX months and chase XXXX XXXX stated because the person who stole my card is a past partner of mine that the purchases must have been authorized. Per contract authorized user are only those stated on the account. I requested a new card be sent out after reporting it stolen. I was kicked out of the house in which the card was mailed to. I immediately called chase once email verification of the card being delivered was received. I informed them I was not at that address and do not have the card. They stated I must have it because it was activated. I informed them I had none of my personal property including the cell phone with the account on it. My ex had activates the card and used it. Chase is admitting to having evidence of the fraudulent purchases. I've been fighting with chase credit card services since XXXX of 2021.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022 LCI, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Dear, LCI representative Transunion, your parent company has notified me that they received information of a bankruptcy from LCI, XXXX. 

Refer your knowledge to the Fair Credit Reporting Act Law, subsection 609 - 15 U.S code 1681g - Disclosure to consumers. 

I am requesting a complete file of all the information LCI, XXXX has obtained about an alleged bankruptcy in my name. 

Provide the information on file, the source which LCI , XXXX obtained the information and the recipients of the information. 

I want the identification of a person, court or business, the name of the person, court or business or, if applicable, the trade name ( written in full ) under which such person, court or business conducts business and the address and telephone number of the person, court or business that furnished the bankruptcy that you have on file. 

You are here by put on notice LCI XXXX XXXX. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to PRIVACY. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency OR any PERSON/COMPANY can not furnish a account or information without my written instructions and consent. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Each violation is a XXXX dollars when a company breaks the law. 15 U.S code 1681n
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (MD)

I am contacting you in regards to my Wells Fargo Credit Card, I have contacted wells fargo XXXX times in reference to getting a lower interest rate on my credit card, they state that they do n't negotiate the rate at this time but they are unable to provide any further information in regards to this. This also are having trouble producing the terms and conditions that i " signed '. I would have never committed myself to something with an interest rate of XXXX prime. After calling wells fargo customer service and executive office i have gotten no where in fact the last rep hung up on me. I have been keeping detailed names of everyone that i have talked to and am shocked at the level of customer service provided by the reps. It seems like they are doing something shaddy to me.