davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

on XX/XX/19 at XXXX my wallet was stolen from my purse at an after hour spot by who me and friends had to share a section with. According to witnesses XXXX friends ) a week later due to me being in intoxicated he followed me to the ATM ( i did not know he was behind me whole time ) he watched me put my pin code in and Then at some point plotted to steal my wallet with my chase debit card and was successful. At that time my friends didnt think nothing of it since they said they thought he was going to get a bottle as well. He took my wallet out of my purse without my knowledge i called chase as soon as i noticed my wallet and phone missing and an alert that said my account was low {$19.00} he took out almost XXXX XXXX to be exact at different ATMs including my own banks atm he also made {$1000.00} cash back at XXXX. Chase took my statement to file a claim. Chase then denies my XXXX claim first then told me the Reversal would be back on my card in XXXX hours then they said by the XXXX so it came back on my card on the XXXX. On the XXXX my claim got denied for XXXX total and that when i called crying saying what else do i need to do the prove this is wasnt me they said go get a police report so i got that then they said they need more poof so chase told me which XXXX he pulled money from and i went and the security at XXXX showed me a picture of the guy who used my card and it was the guy i was setting next to at the club and who followed me to the atm wearing the same XXXX hoodie. Chase then says they want a written statement from XXXX Im dude i was a picture!!! So i went back to XXXX to ask them what do i need to do to get a statement from them they said they need a police officer there to do that so i called one a sheriff came XXXX mins later but he told me since i file a police report with XXXX i would need XXXX to come then i called XXXX again to send a police XXXX not sheriff they said they not coming and that chase is doing to much a police report should work and Im like omg it wont apparently!!! So after XXXX hours of dealing with this i went to the bank right after and told me what happened at XXXX the guy called chase and said they will reconsider my claim and to wait but they took the money back so here i am now. I want to close my account this chase. If it was me who took my own money who would i file a whole police report on myself and waste everyones time because they could easily find out who did this in which they did i have proof!!!!! At this point chase just doesnt want to pay me the money that was taken from me even though its no ones fault but still i didnt tell this guy to follow me Im only XXXX and hes XXXX he can stand over me and see my pin code. I just want my money back i saved that money and i thought i could trust my bank which is why i put the money in my bank instead of leaving it in my shoe box i regret that so much!
Consumer complaint received 2023-06-19
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. (NC)

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 accounts below have violated my rights : 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 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 2024-10-31
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. (GA)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-10-31
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. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-06-19
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. (NJ)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1700.00} ; 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
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (WA)

My employer moved me to corporate line with XXXX. I wanted to port out number to another provider but XXXX was not releasing my phone number. In XX/XX/2022, XXXX forced to open personal line and assured that grace period of 15 days would be provided. As long as I moved to a new provider with in grace period, the bill would be waived. I moved to new provider with in 2 days. 

After XXXX was raised, I had requested XXXX to create escalation ticket. I had to call on two separate occasions XXXX months apart for bill waiver to get ticket created but they seem to have taken no action on my request. I did not receive any calls or communications on outcome of my escalation request as well. XXXX wastes a lot of customer time with very out of date and bad customer practices. They create barriers for customers in porting out by using anti competitive practices.
Consumer complaint received 2024-10-31
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. (WY)

I am a victim of identity theft and have informed XXXX transunion and XXXX that they are reporting several inaccurate inconsistent incomplete accounts with out my written permission.i was going XXXX XXXXXXXX on XX/XX/year>XXXX  and my ex wife used my social security number and dob without my permission to open several accounts.i have filed an ftc report # XXXX and have filed an identity theft Affidavit and have sent over XXXX dispute letters through the last 2 years to XXXX transunion and XXXX Informing that they are reporting incorrect inconsistent negative accounts without my written permission to do so which is violating my federally protected rights.i demand that the remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i am attaching the ftc report the identity theft Affidavit and XXXX most recent credit report information and the most recent dispute letters delete they aforementioned accounts within 4 business days from receiving this complaint.this is costing me countless hours and thousands of dollars in interest also keeping me from buying a home and a car.
Consumer complaint received 2023-12-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

XXXX XXXX, Portfolio recovery, and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX XXXX, Portfolio Recovery, and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. XXXX XXXX Portfolio Recovery, and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, XXXX number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. PRA GROUP XXXX File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NEW YORK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Consumer complaint received 2023-06-14
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. (MI)

I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and Transunion credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (AR)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2024-10-31
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. (GA)

I am writing to formally request the immediate blocking and deletion of the accounts listed below on my credit report. Due to a recent data breach compromising my personal information, these accounts have been fraudulently opened or maintained in my name. I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and request the following items be permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-08
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: ENCORE CAPITAL GROUP INC. (CA)

Dear sir/ma 'm I do not like to submit complaints but Midland Credit Management is not fixing or removing errors on my report. First I disputed the account status. Collections are not supposed to report as open, so they closed it and now they reopened it with additional errors. Please look at my report, Date last Active is reporting differently across all 3 reports. I don't understand why there is even a Date for this. I've never been active on this account. I have send so many disputes letters and all they say is that they verified the debt but have not sent any sort of documents with my signature that I owe them this alleged debt. Also I checked their collection license and it doesn't look like they are legally collecting in california. Can you please investigate this for me. I'm already working with an attorney who is well aware of the consumer laws and says I might have a case. I would like to avoid a lawsuit. Thank you
Consumer complaint received 2024-10-31
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. (TX)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2024-10-31
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. (WI)

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 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On Tuesday ( XXXX ) at XXXX XXXX I was looking at a sublease listing online for XXXX XXXX for a month lease from XXXX to XXXX and they asked me to Zelle them money to secure the sublease ( XXXX XXXX the following day- XXXX ), resulting in me being scammed a large sum of money ( {$3200.00} ). The people were frauds but the apartment itself existed. There was an actual tenant still living there and the actual broker of the apartment was someone who was completely different from the person I have been messaging. I tried to file a police report on this but that didn't work either due to the fact that I first contacted these scammers in California and it wasn't under NY jurisdiction. I contacted XXXX and they mentioned that Zelle transactions were technically approved by me. I am shocked and distressed and I need my money back. I am hoping that CFPB can help me rest my case. There must be something you can do to help me get my sum back. 


I am not sure why I am not able to attach documents but I have all the receipts including the person who I first contacted about the listing, the listing itself, the supposed " landlord '' who asked me to Zelle them, and the Zelle receipt showing that the transaction has been made.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (IL)

NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT AFFIRM XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX i HAVE SENT THEM CEASE & DESIST LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX  reporting standards and this account removed upon completion.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

Additional information concerning my consumer Credit profile has been updated and verified by Experian on XX/XX/2019. However, there were absolutely no changes were made to the following accounts. ( Please see enclosed attachments for further details ). 

( XXXX XXXX XXXX ) - still reports as verified and updated even though I've asked Experian to provide methods of verification. This is a violation. 

( XXXX ) - unkown account. This account is unknown and can not be verified after investigation was processed & updated. This is a violation. 

( XXXX XXXX ) - appears to verified even though I've sent a Unverifiable billing statement of which I've received by the original : creditor Yet, after a reinvestigation has been processed & updated Experian has refused to delete this inaccurate account. ( A Violation ). 

( XXXX XXXX XXXX XXXX ) still currently reporting Unverifiable information on my Experian credit report after Account has been disputed. A violation ( XXXX XXXX XXXX ) Still currently reporting inaccurate information. Even though Account was investigated and updated. A violation ( XXXX XXXX XXXX ) - still reports inaccuarte information even though account was investigated. A violation ( XXXX ) ( 2 ) accounts reporting inaccurate by XXXX. A violation.
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfoilio Recovery bought this debt from XXXX XXXX XXXX for {$8000.00}, back in XX/XX/XXXX. Portfolio Recovery charged-off this debt in XX/XX/XXXX. However, they have continued to report this debt as a new debt on mine and my husband 's reports every time we have disputed the incorrect information with the credit reporting agencies. The dates that they have reported this charge-off as a new collection are, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. If they continue with this reassignment of a current date, this account would stay on our reports indefinitely. 

Portfollio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX