davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint regarding unauthorized and inaccurate inquiries on my credit report from the following companies : XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX, Via Dealer, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Community Capital, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX, Via Dealer, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 1681c, inaccurate or unverifiable inquiries must be removed from my credit report. These inquiries were not authorized by me, and they continue to negatively impact my credit. I request immediate removal of these inquiries as required by law
Consumer complaint received 2020-06-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

I have 3 credit cards with Chase. I've never had a late payment or even run a balance. My credit score is XXXX. No criminal record. They have been advertising to me for many months asking me to open checking and savings accounts. So I gave in and did. I switched my direct deposit to the checking account and deposited more than $ 15k into the savings account. I did this because it is the minimum balance to receive the account opening bonus of {$600.00}. 

Suddenly I can't log in to my online account because it is locked. No email, no text, no call, no snail mail. I called multiple times and after getting through they informed Chase has closed my account. No reason. I looked up the reasons they often close accounts  and none apply to me. The deposit came from XXXX XXXX is 100 % legitimate. I moved a couple of weeks ago and the person said maybe they weren't able to verify my address. But I'm signed up for paperless so why would expect mail from them? In addition, I have USPS forward my mail so I could not possibly have missed it. I offered to send my lease agreement or provide other proof of residency and they said no. 

I pointed out that if something fishy was going on and they wanted to stop the relationship they would have canceled my credit cards as well. They said the checking/savings are separate. If that's true then they shouldn't have locked me out of my online account. 

Also, how am I supposed to pay my credit card bill and manage those accounts if I'm locked out? 

They escalated it to the executive office who finally offered to initiate an investigation only after I said I would go public with my complaint. I asked them to email me to confirm the investigation and they refused. They said they do not communicate by email. How does the office of the CEO of a huge bank not have an email account? 

I asked if they can confirm a timeline for the investigation and they refused. They finally gave me a phone #, email, and case number ( below ) to check-in. 

This behavior is abusive and frankly should be illegal. They have XXXX of my money and I have no idea if I'll ever see it again. They said the procedure is to mail me a check within 7-10 days. But they failed to communicate and have been totally dishonest so how to do I know they will follow through? 

I understand mistakes happen but this was completely exploitative and abusive to a loyal customer. Please help me fix this. I want them to open an account with my XXXX and give me the {$600.00} opening bonus they promised. 

XXXX XXXX XXXX Can't give you specific time. Within next couple hours.
Consumer complaint received 2024-10-26
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. (LA)

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 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 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 2024-10-04
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. (TX)

I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. I believe this information has been furnished or obtained without my written consent, which violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 

Specifically, I have not provided any written authorization for the release or reporting of my credit information to your bureau. The FCRA requires consumer consent prior to the dissemination of credit information, and I have not given such consent in this instance. 

I request that you investigate this matter and remove any disputed information that was obtained or reported without my authorization. Please provide me with a written response detailing the outcome of your investigation. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to bring to your attention an ongoing issue regarding my credit report, specifically related to an account I had with XXXX XXXX XXXX, which is inaccurately reported by TransUnion.

I have received several stall letters from TransUnion concerning this account, and it has come to my attention that the information being reported does not align with the actual status of my account. Under the Fair Credit Reporting Act ( FCRA ), it is clear that reporting inaccurate information on a consumer 's credit report constitutes a violation.

I would like to emphasize that this account was never reported as a Collection or Charge Off ; rather, it was reported as current. Given these circumstances, I respectfully request that this account be removed from my consumer report to ensure compliance with the FCRA and to rectify this misinformation.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This Complaint is made against Equifax credit reporting company. For the past 12 months i have been disputing in writing the incorrect, misleading, fraudulent, inaccurate information that states I, opened and had an alleged contract, agreement, mortgage with XXXX XXXX XXXX XXXX I despite this inaccurate information on my personal credit report in its entirety! Only Equifax continues to report this account, despite my disputed letters and police report that states I do not have any knowledge of an account, mortgage and bilateral contract with XXXX XXXX XXXX XXXX. Please note this inaccurate information is causing me injury, and reducing my credit score and ability to get consumer products etc. XXXX XXXX XXXX XXXX to date has admitted that they do not have a bilateral contract with me, nor is there proof of a mortgage ever being executed between me and XXXX XXXX XXXX XXXX on XXXX XXXX, 2007. Additionally, this alleged debt and report is in violation under the fair debt collection act, the fair debt reporting act and State of New York statue of limitations and other positive laws.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

The number that appears from this debit collector in my credit report is irresponsible They never attend the call. the number is XXXX XXXX XXXX. Therefore, I have been receiving thousands of calls from many different numbers really annoying me from this Syncb/PPC. I don't know what is that and I don't owe any balance of any credit card. In fact due of problems i faced with those companies in the past I don't keep any active credit card account. I only have the debit cards of my bank accounts. nothing more. Based on my credit report they say I owe then {$520.00} which I do not recognize as mine at all. Should be fraudulent charges. I want them to stop bothering me with this insistent calls every single moment and show proof of purchase in my name if they insist, those charges are mine.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Trans union, I checked my report today and seen an inquiry that I do not recognize, I want to dispute this inquiry as identity theft. I have included a federal trade commission report as well as a cover letter to support my dispute. Please remove this inquiry post haste.
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to bring to your attention an ongoing issue regarding my credit report, specifically related to an account I had with XXXX XXXX XXXX, which is inaccurately reported by TransUnion.

I have received several stall letters from TransUnion concerning this account, and it has come to my attention that the information being reported does not align with the actual status of my account. Under the Fair Credit Reporting Act ( FCRA ), it is clear that reporting inaccurate information on a consumer 's credit report constitutes a violation.

I would like to emphasize that this account was never reported as a Collection or Charge Off ; rather, it was reported as current. Given these circumstances, I respectfully request that this account be removed from my consumer report to ensure compliance with the FCRA and to rectify this misinformation.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to bring to your attention an ongoing issue regarding my credit report, specifically related to an account I had with XXXX XXXX XXXX, which is inaccurately reported by TransUnion.

I have received several stall letters from TransUnion concerning this account, and it has come to my attention that the information being reported does not align with the actual status of my account. Under the Fair Credit Reporting Act ( FCRA ), it is clear that reporting inaccurate information on a consumer 's credit report constitutes a violation.

I would like to emphasize that this account was never reported as a Collection or Charge Off ; rather, it was reported as current. Given these circumstances, I respectfully request that this account be removed from my consumer report to ensure compliance with the FCRA and to rectify this misinformation.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX Account # XXXX and XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX and XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-04
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. (FL)

Even though Ive tried countless times to get the fraudulent, inaccurate, and misleading info removed from my consumer report, the issue still isnt fixed. These items have seriously turned my life upside down, bringing a whole lot of stress and anxiety. I really need to stress again that I didnt authorize or agree to have this info linked to my name, as Ive been a victim of identity theft.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Currency. XXXX Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.