davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or XXXX XXXX on this day. I recently paid off XXXX XXXX and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with Chase Auto Finance. After repeatedly contacting Chase directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. Chase did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from Chase called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess Chase made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ). 

The above accounts do not belong to me. I request that you remove these accounts from my credit report.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX XXXX  Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

It was reported to XXXX, XXXX & XXXX  in XX/XX/2017 by Wells Fargo Bank I was late on my XX/XX/2017 car payment of {$300.00}. This information is incorrect, I have never been late on my car payment. This account was paid in full by XXXX XXXX. 

General Manager, XXXX XXXX of XXXX XXXX has communicated with Wells Fargo Bank regarding this issue and resolved the matter. Please correct this information on all three reports and make me current showing no late payments. 

Please contact XXXX XXXX at XXXX XXXX at ( XXXX ) XXXX and Wells Fargo Bank at ( XXXX ) XXXX.
Consumer complaint received 2018-11-23
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: CL Holdings LLC (TX)

I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

EQuifax you are the only one still reporting this account the other credit companies have remove this account.XXXX XXXX XXXX this is not my account your report states closed XXXX, bal XXXX  min monthly payment XXXX still shows reporting of payments, last payment -- -- -, amount past due XXXX, worst payment no info, i contacted XXXX XXXX XXXX  they state the only thing they had was a credit card was sent to my address { I request a Copy of signature that it was signed for here at this address never responded it, even a return receipt with a signature no response they state it was sent by regular mail, Nothing show an actual signed contract with my wet ink signature on it from XXXX XXXX XXXX or remove it at once like the other credit companies have .AnFCRA 623,
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (NM)

Student Loan had been in " OK '' standing since XX/XX/XXXX. As ofXX/XX/XXXX, my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22.00} XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXBalance : {$22.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MN)

Have tried several times to explain my identity was stolen. This card could have been part of that issue. I had offered several times to make a payment on account to satisfy debt. Because if it's mine or not it's destroying my credit. My bill was around {$2300.00} since then I get calls 6 to 10 times a day. They report this is a reminder to pay. That's bull! Now with their added late fees and interest they continue to add to a closed account. The bill is way over {$4400.00} and it has no sign of stopping. 
I am planning on handing this to an attorney. Their tactics are aggressive and careless with no resolution except their terms. Under the far debt collection act I am protect from them being XXXX. They can make this right or be in court and prove I made these charges.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

on XXXX XX/XX/2018 my checking account was frozen and all my funds too, i wasn't able to pay my rent, my insurance, my phone bill and even buy food because i have all my savings in this account and also my military service connected payment for a XXXX XXXX. 
when i contact the bank they said that some body file a claim against me because i received a quick pay transaction for {$300.00} dollars and the sender said that he or she did not authorize this transaction. 
after a couple days i went to the bank branch and they agree to let me withdraw money at the branch with assistance, but i wont have access to my account or use my debit card for 45 days. the reason why i am doing this complaint is that the amount of money for the claim is only {$300.00} dollars and the bank is holding my total balance witch is over {$25000.00}, and my military XXXX payment too. 
this situation is causing me a lot stress and frustration and also the bank did not pay the checks that i use to pay for my daughter uniform causing a {$25.00} dollars fee.
Consumer complaint received 2018-03-09
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: Innovis (GA)

Company pulled my credit continuous during the month of XX/XX/2017 without my authorization. 

Dates are below XX/XX/XXXX XX/XX/XXXX Due to this company and a few others, I have placed an extended fraud alert on my credit, however, this company refuses to remove the inquiries after several requests and notification of possible fraud.
Consumer complaint received 2023-07-09
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. (SC)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I disputed in XX/XX/XXXX and requested debt validation with Transworld Systems Inc they are reporting on all 3 credit bureaus as an open collection from XXXX, XXXX is not on my credit report. After I disputed and requested debt validation they sent me a letter dated XX/XX/XXXX with a bill from XXXX which means this debt is XXXX XXXX XXXX and it's reporting on my credit report as open in XXXX making it appear as an newer debt than older debt. Also they sent me which appears to be a final bill as debt validation, that is not proper debt validation. I need proof this debt is mine and this debt is also from XXXX which means it's 7 years old. They are reporting inaccurate information and I'm not sure this debt is mine being that is from XXXX.
Consumer complaint received 2023-07-09
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 and Transunion have failed to remove the follow accounts from my account : XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX. Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX 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
Consumer complaint received 2023-07-07
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. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
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. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/2023, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with TransUnion, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents. 
Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted immediately.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12
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. (CT)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.