davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-04-25
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. (IA)

On XX/XX/XXXX I submitted a formal Dispute with TransUnion through the CFPB portal ( case # XXXX ) stating that my Federal Student Loan with XXXX aka XXXX XXXX account # XXXX had been placed into the FRESH START INITIATIVE on XX/XX/XXXX and was to be reporting to all three credit bureaus as being ON TIME and CURRENT but that it was not doing so and that this information needed to be investigated and updated correctly and that not doing so was violating my rights. 

Then on XX/XX/XXXX I received a formal letter from TransUnion stating that my Investigation Results were in and that they had VERIFIED THE dispute as being CORRECT AND ACCURATE DATA formally changing NOTHING on my credit report FURTHER VIOLATION MY RIGHTS as the CLEARLY they did NOT do a formal investigation. These rights of mine are protected under 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

If they had done a proper investigation they would see I had entered into the Fresh Start Initiative on XXXX ( see attached document ) which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed.

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX. 

Which you can see on my TransUnion Updated Credit Report after their investigation ( see attached ) still shows my XXXX XXXX XXXX Act # XXXX as being in COLLECTIONS on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. It also shows it as status UNKNOWN on XXXX.
Consumer complaint received 2023-04-24
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: OPORTUN FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act OPORTUN/XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states that 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2023-04-25
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-25
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan chase bank holds the proceeds from a flood policy payment as a result of hurricane Harvey. For 4 weeks, I have tried to get money disbursed. Rather than disburse the funds in accordance with their own policy, chase continues to demand additional information ( much of which does not exist or is not required ) as a way to delay paying these funds. I have asked to speak to someone who can review the file, approve payment, and issue the check within XXXX business days. Chase refuses to put me in contact with such a person, and insists that it can't be done. Then, they demand more documentation further delaying the process, while telling me there is no way to move the process forward. For example, after being told payment would be issued by XX/XX/XXXX, I was told several times it was being processed before being told on XX/XX/XXXX that it had been cancelled. Chase then demanded a signed contract ( which does not exist ). I submitted an invoice from the contractor. Chase insisted it had to be signed. I complied with that request and asked to speak with someone who could review it, approve it, and issue the check. Chase refused, and then called the contractor and demanded a copy of his license. GC 's are not licensed in Texas, so chase then asked for the license numbers of any subcontractors. He provided that, and chase responded by demanding a copy of the license, a publicly available document from the state of Texas website. Even though this process has been going on for 4 weeks, and chase has had all information it requested for 4 days, it refuses to place me in contact with someone who can approve the disbursement. My expectation is that chase will demand additional information to continue delaying payment since they refuse to put me in contact with a person who has the authority to approve payment. Feel free to contact XXXX XXXX at chase bank in Georgia, XXXX. She candidly admits she can't resolve my problem, but refuses to transfer me to someone who can.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank restricted my online banking access in XX/XX/2023. After contacting Chase a few times, their fraud protection/financial safety representatives explained that it was because I attempted to move funds from my Chase savings account to my other account outside Chase bank XXXX XXXX XXXX  ). I have made numerous calls to Chase bank, and the Chase bank 's representatives were able to verify my identity each time, they still needed me to visit any of Chase bank branches and practice the same procedure. I am currently working abroad as a federal government employee, and I am not able to leave my position yet. Chase bank 's over-cautious and client unfriendly protection manner has restricted my access to not only my banking accounts but also my credit card accounts. I am not able to monitor my credit card transaction history and pay for my credit cards. Please kindly assist with a reasonable solution for this issue. Thanks.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HANCOCK WHITNEY BANK (CA)

I am complaining on behalf of my mother and myself in my role as trustee of her trust account. I have only recent become involved in the current matter as a result of the bank denying my mother access to her trust account. This account has a balance of approximately {$250000.00}. Apparently the bank has never paid any interest on the account. Although she is the beneficiary of her trust she is denied access to the account. She has not needed the funds until recently, but now needs them to live. My mother is XXXX years old. The bank has clearly exploited an XXXX and vulnerable individual. As trustee of the account I have tried to have the bank provide access to the funds to my mother. Having received no cooperation from the bank I instructed the bank in my role as trustee to transfer the funds to another institution and close the account. The bank has declined despite being given specific and unambiguous instructions. The bank wants me to appear in person. I live in XXXX and the bank is in XXXX. It is not possible for me to appear in person and the bank knows this. This bank has and continues to be engaged in the exploitation of my mother.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

In review of my XXXX credit report on XX/XX/XXXX, I noticed a " collection '' account being reported by a company by the name of Ability Recovery Services LLC. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between Ability Recovery and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. 

* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). * Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted.

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Furthermore, the Fair Debt Collection Practices Act Regulation F effective XX/XX/XXXX, does not give you the right to report a Collection on a consumers credit report without prior notification! The following action must be taken before you can report this erroneous item to my credit file : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

YOU HAVE BROKEN THE LAW! YOU HAVE NOT DONE ANY OF THE ABOVE AND I DEMAND THAT YOU REMOVE THIS ILLEGAL ITEM FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

The first issue is wrong address I never lived in XXXX Florida XXXX. I received this information through ExperianSecond issue is I never applied for an auto loan from XXXX the address is XXXX Fl XXXX and the date of the inquiry was XXXX XXXX, 2014 please correct that or call the consumer and find out how this got reported through my credit, I believe its an completely fraud somebody s using my social security and my name without my knowledgeThe third issue is XXXX XXXX Fl XXXX the date of the inquiry was XXXX XXXX,2014 I never was in this place I do n't know what their talking about do I need to contact the FBI?! 
PLEASE feel free to contact me at XXXX or email me a XXXXXXXXXXXX or write me at XXXX FL XXXXSSN # XXXX
Consumer complaint received 2018-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

Transferred rent money from my bank to my lawyer thru the company XXXX but his account wasnt working so I had them put it back to my XXXX account. When I thought I could transfer the funds back to my bank account my account was frozen and I was given an email stating I wasnt going to be getting any of my money back because it was there policy in fine print you arent allowed to transfer funds back to your own bank which I didnt know. They are stating they are creating an investigation because I had a prior account with fraud in it which I reported to my bank and they are now stating I owe them for that but I dont because it was fraud nd ruled by my bank. I tried to explain the situation to them but they are not giving me any information.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Payment Corporation (NJ)

Between XXXX I applied for XXXX XXXX with a company named XXXX. XXXX processes payments via a company named Universal Payments. These companies are both located in XXXX, XXXX My purpose in working with XXXX was to bring an invention to market for swimmer shark safety. The company charged a fee which was to be paid over a period of time. Unfortunately XXXX has mislead the inventors and made promises that were not true. I received an inferior product from this company. I filed a complaint with the Pennsylvania Attorney General and The New Jersey Attorney General offices. XXXX requested my social security number according to the salesman XXXX for reporting my royalties. Instead they use my social security number to report non payment. This case has been discharged for three years. The State of New Jersey made XXXX return my payment in XXXX of XXXX There is currently a class action lawsuit against this company. I am part of the class action lawsuit. Yet, Universal Payment continues to report non payment to the credit bureaus. I have disputed this information for over one year with the credit bureaus and nothing has changed. I hired a credit repair company and still we can not remove this company from my credit reports. Please help resolve this matter.
Consumer complaint received 2023-04-25
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. (FL)

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (TX)

There are companies out there looking for my personal information, and one of them showed up on my credit report. I wasn't familiar with this company ( XXXX XX/XX/2021 ), but it looks like they put in an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose, which is outlined in U.S. Code & 1681 es seq section 604. If they don't have a legitimate reason to be looking into my credit, I'd like them to remove this inquiry from my report or send me documentation proving that they are allowed to do this.
Consumer complaint received 2023-04-25
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. (VA)

This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

This issue is between XXXX XXXX, Experian and XXXX. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with Experian and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.