davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (MD)

This is a continuation of EXPERIAN COMPLAINT # XXXX and XXXX COMPLAINT XXXX XXXX regarding BLOCKING OF IDENTITY THEFT ACCTS. On XX/XX/XXXX EXPERIAN SENT ME THE FOLLOWING MESSAGE : ... '' However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years ''. I HAVE ATTEMPTED TO UPLOAD THE ABOVE REFERENCED ITEMS MANY TIMES ONLY TO BE REJECTED BY THEIR SYSTEM. I SENT ALL OF THE ITEMS VIA MAIL- THEY HAVE NOT BEEN ACKNOWLEDGED AS RECEIVED. ATTACHED ARE ALL OF THE REQUESTED DOCS FOR BLOCKING OF IDENTITY THEFT ACCOUNTS.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (UT)

A call came into my place of business earlier today threatening the power would be terminated imminently due to an outstanding balance. They gave me a case number to be reimbursed in case there was an error on their end. When I asked why they never notified me they said XXXX letters had been sent. To avoid immediately losing power at my store, I figured I could present the case number and reverse the charges if it was their mistake. I had customers and meetings, and ended up paying {$1000.00} via XXXX to avoid the shutoff. I contacted Chase and they said there is nothing they can do. These are the phone numbers tied to this : ( XXXX ) XXXX ( XXXX ) XXXX *this was the number used with XXXX And XXXX just called again about collecting the remaining balance. Unreal.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-06-12
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. (MO)

Equifax is continuing to list improper payment status on my credit report for Missouri division of Child Support account that closed in XXXX my last payment was XXXX of XXXX they closed the account XXXX of XXXX but they are continuing to list that I was 120 days late from XXXX of XXXX until XXXX of XXXX every single month I have provided documents from the state of Missouri and they still continue to incorrectly report payments history on my report now I expect to be paid for every violation XXXX violations... 
The first document I am uploading is from the Missouri Division of Child Support and it's highlighted that my final payment was XXXX of XXXX they closed the account the following month in XXXX of XXXX because I did not have to pay child support anymore my son turned XXXX in XXXX of XXXX the second document I am uploading is what I received back from Equifax after I disputed it.
Consumer complaint received 2023-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (IL)

On XX/XX/XXXX, I sign up for a personal loan with sail loans. I needed the loan to help me move to my new apartment. I originally contacted the XXXX office but I was redirected to the XXXX, IL XXXX. I told the lady on the phone can she see if I can get approve the maximum of XXXX ( a comfortable number I know I can pay back ). They lady on the phone told me, she will have to call me back to see what I can get approve of. When she called me back she said, " unfortuantely, you were only approve for XXXX '', I then said, " Oh, so I got approve for XXXX, that's fine ''. She went on to tell me, " You do not get the full loan only a small portion which will be XXXX until I pay off the full loan and the rest will be deposited into my account after the loan is paid off ''. She also mentioned " starting XX/XX/XXXX you will have to pay XXXX every two weeks for 26 weeks ''. Me thinking nothing of it and was currently driving I said okay. Today as of XX/XX/XXXX I decided to log into my account and see they had approve me for a loan of XXXX ( this is not what she told me on the phone ) and when I calculated XXXX by 26 weeks, the total is XXXX. I would never agree or accepted the loan if the woman on the phone told me the actual loan I was approve for ( XXXX instead XXXX ). As of today, I also called their corporate office and was told they will send an email to district supervisor and will call back before the end of the day. I don't think they will help me whatsoever.
Consumer complaint received 2023-06-12
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. (MS)

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 : TN CHILD SUPPORT XXXX XXXX XXXX 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 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 2023-06-12
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)

Experian did not investigate my request and has been way past 30 days. Never received a letter, email or any written document pertaining to my request! I sent in letters about my Accounts ( that are reporting inaccurately ) XX/XX/23 and never heard back from there. Now I am submitting a 30 day to demand letter to you all which they never responded to as well.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NC)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2023-06-12
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. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.
Consumer complaint received 2024-10-30
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. (AR)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

I called them this year. When my bankruptcy was discharged they put this charge on my credit report. I called the company many times. You can only leave a message. They never called back to talk to me about the fraud. XXXXXXXX XXXX XXXX said they sold it it was no longer there problem. I didnt have any information on the account because it wasnt mine.
Consumer complaint received 2023-06-12
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. (AL)

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.

The letters are stated with items and issues.

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 XXXX 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 2023-06-12
Product: Credit reporting, credit repair services, 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. (CA)

Transunion is discriminating against me by continuing to report incorrect information that is NOT mine. I have disputed this till I am blue in the face and they continue to downgrade my credit and deny me credit because of Transunion refusal to properly investigate these companies lies. I have disputed XXXX XXXX because I DON'T OWE THIS MONEY. THEY DID NOT PROVIDE THIS SERVICE AND I WILL NOT BE GIVING MY MONEY AWAY FOR FREE. Transunion is reporting a different score to me than they give creditors by as much as XXXX points without an explanation. They told me my credit score was XXXX and they told a creditor today it was XXXX How on earth do they give a XXXX points lower score
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (IA)

I went the XXXX  in XXXX, FL for a medical emergency back in 2020. As a XXXX XXXX XXXXXXXX veteran I am allowed to go to a community ER when no VA ER is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the VA and was told the bill would be taken care of. XXXXXXXX XXXX billing department called me and I explained to them I was a XXXX XXXX  XXXX vet and the VA would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now three years later I check my credit report and it's listed under collections on XXXX by Assetcare LLC however it's not listed on XXXX. It is showing an amount on XXXX of {$1300.00} so they need to remove this because it's not legit.
Consumer complaint received 2023-06-12
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 


2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


8. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

A man called me and said he worked at Chase Bank. He said someone named XXXX XXXX from XXXX XXXX, XXXX was trying to take XXXX out of my checking account and did I approve that. I said no I didnt approve that. He asked me if I wanted him to help me get my money back. I said yes. He had me go on this wire application for chase bank and I thought he was wiring me my money back but instead he scammed me out of XXXX. He called me from chase bank phone number so I thought it was a legitimate call. Chase bank denied my claim to give me back my money because they said I initiated the transfer. I dont understand why they think I initiated the call when the guy called me from the banks phone number. He already had my debit card information. He even told me to get rid of the card because they were turning that card off and sending me a new card.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have made several dispute about XXXX XXXX XXXX XXXX with XXXX, TransUnion, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX on these two accounts. 

The first one # XXXX for {$350.00}, last active date or to be removed on TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to XXXX XXXX XXXX and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from XXXX XXXX XXXX until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

XXXX XXXX XXXX XXXX already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE (WA)

this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.
Consumer complaint received 2023-06-12
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: American First Finance, Inc. (PA)

I recieved an alert about a new account with American First Finance some type of lease with the balance of over {$2000.00} and a new address in XXXX. I disputed that it was not mine and it came back verified. I never lived in XXXX  and I have never been late on any of my accounts, I asked them to get the said lease agreement as well as look at the coincedence of new address with the new account.. I tried calling the company and every time I reached a live person and ask what type of company it was and once i say i have no account but it shows on my report they hang up. I have called XXXX times to no avail this company is a fraud. my score has gone down XXXX points.
Consumer complaint received 2023-08-09
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. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
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. (GA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-12
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.