davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022 I filed a dispute with TransUnion against XXXX XXXX XXXX. I provided proof that XXXX XXXX XXXX is being reported inaccurately, XXXX XXXX XXXX did not properly validate the debt, and XXXX XXXX XXXX is being updated by the original creditor of all of the payments that are being made on the account and they are updating the account with false information. 

TransUnion has proof of all of the above claimed information. Without doing a proper investigation, they falsely verified the account as being accurate on XX/XX/2022. TransUnion is acting as an accomplice with the false reporting of this account. I demand that TransUnion remove this account immediately.
Consumer complaint received 2023-12-14
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: JPMORGAN CHASE & CO. (PA)

Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  and 2. JPMCB CARD Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXX I called both XXXX XXXX XXXX, JPMCB who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.
Consumer complaint received 2022-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have submitted disputes to you and waited more than the allotted time of 45 days with no response. All of you are required by law to do so. Please investigate my disputes and remove any in accuracies and deletions, please. Thank you.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TN)

Duplicate info found in Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Exact info, including date, is listed twice.
Consumer complaint received 2022-08-07
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)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information.

15 U.S.C. 1681c2 : A states that all items identified by the consumer should be blocked and removed within 4 days.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In response to CFPB complaint # XXXX, my name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy. I have attached a debt validation letter, a cease and desist, a copy of the account reporting on my ( XXXX, XXXX, and XXXX ) consumer report ( marked as Exhibit A through C ), Exhibit D which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labelled as Exhibit E when filing for litigation in Federal Court to this complaint. PRA stated, We sent our initial notification letter to you on or about XX/XX/2022, and We have no record of a request or dispute being received in relation to our initial notification letter. Pursuant 15 USC 1692g ( a ), ( b ), and ( c ) I have not validated any alleged debt with PRA. As of XX/XX/2022, I have never received any documentation requesting validation from PRA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PRA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. PRA states, In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving PRA any right to collect on this alleged debt. It is my belief that PRA are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deception forms.
Consumer complaint received 2022-08-07
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The US Department of Education says I acquired a student loan of {$13000.00} in XXXX of XXXX. I did not. No mono was requested or received for education as a loan or XXXX. I was not attending any college, university or trade school. I was not a student at this time.
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DE)

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2022. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO CREDIT COLLECTION SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Consumer complaint received 2022-08-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (CA)

I received a letter dated XX/XX/2022 stating that my 18 MONTH CD with Synchrony Bank would mature on XX/XX/2022. I called a few days later and requested from XXXX that the CD not be renewed, that I want the money deposited in my checking account. She assured me it would. When the money didn't arrive in my account, I called again on XX/XX/XXXX and talked to a man, XXXX, in XXXX, who told me there was a security hold on my account ( that I had placed on a savings account years before I opened the CD account ), and that he would have it removed. He put me on hold and never came back. On XX/XX/XXXX, I called again and spoke to XXXX who assured me she would have the security hold removed and I would receive the money. When that didn't happen, I called XXXX on XX/XX/XXXX who said the same thing XXXX did. I told XXXX that if I didn't receive the money, I would report Synchrony Bank. Four business days later, I still have not received the {$15000.00} ( balance as of XX/XX/XXXX ) that is the CDs worth.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

the card is showing as 30 days past due on credit reports for XXXX however i made XXXX payments in XXXX XXXX on the XXXX for the XXXX payment and XXXX on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to XXXX to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called transunion to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for XXXX for XXXX XXXX i opened a dispute with transunion to resolve and XXXX XXXX said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.
Consumer complaint received 2022-08-07
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. (MO)

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXTHIS ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX ( XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Card charges from XXXX XXXX XXXX XXXX XXXX  disputed beginning in XX/XX/2022. Charges of XXXX ( XXXX and XXXX deposit and completion of installation ) and XXXX for installation of XXXX XXXX units are disputed due to XXXX XXXX XXXX XXXX XXXX  failure to provide required service on Warrantied units as per contract. Damage to our home have occurred on 2 occasions due to sub-par or no maintenance which is covered under Service Contract. XXXX XXXXXXXX XXXX XXXX XXXX  Warranty and Maintenance Plan clearly states " We perform a comprehensive tune up twice a year and they will replace units under their 2 year satisfaction agreement ''. 

All charges were disputed starting in XXXX and XXXX and I have supplied all documentation requested by Capital One on 3 separate occasions, including an affidavit from the XXXX XXXX XXXX and XXXX XXXX Building Inspector and also an Independent Contractor. The merchant is dishonest and in fact his State License is being taken due to failures in our systems and other clients with similar code violations. I have supplied documentation requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in writing and 5 calls have been made with Capital One. Also documents have been supplied via download links XX/XX/XXXX and again XX/XX/XXXX. All requested documents including the Independent Contractor ( XXXX XXXX XXXX XXXX  ) have been supplied to Capital One. XXXX XXXXXXXX XXXX XXXX XXXX  violated both their Guarantee and Warranties and also the law in this state by failure to request permits for installation of the XXXX units.
Consumer complaint received 2022-08-09
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-07
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)

I've been in touch with all XXXX bureaus since XXXX  about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.
Consumer complaint received 2022-08-07
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. (NC)

I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.
Consumer complaint received 2022-08-07
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. (MI)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for XXXX XXXX XXXX  and the company who bought their old accounts is portfoliorecov. I spoke with XXXX XXXX  who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.
Consumer complaint received 2022-08-07
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: Fidelity National Information Services, Inc. (FNIS) (TX)

My name is XXXX XXXX and my consumer ID is XXXX. Chexsystems has been sending me letters stating that my disputes have been verified and that they will not remove the credit inquiries from my chexsystems report even though I never attempted to open a bank account with those companies. I want Chexsystems to send verifiable proof that it was me who opened those accounts or to remove the inquiry immediately. 

Remove the following inquiries off my report immediately as I have never attempted to to open an account with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-07
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. (NV)

I submitted a complaint on XX/XX/XXXX stating that I wanted incorrect information on my report with your company to be removed. I submitted documents confirming the prior deletion of this information with your company and the other bureaus. 

This information was re-inserted onto my report. I requested this information be re-investigated to which your response was a series of vague statements as to the details of the process in which these items are investigated. 

You also asserted that I did not specify which credit furnishers I was requesting to be investigated. I have attached a copy of my report showing prior deletion of information from XXXX XXXX which was opened on XX/XX/XXXX and has a balance of {$21000.00}. 

So to address your requests and concerns, XXXX. NO SPECIFIC CREDITOR XXXX NAME WAS PROVIDED XXXX. PLEASE PROVIDE THE NAME OF THE XXXX XXXX YOU WISH TO RECEIVE A COPY OF YOUR REVISED EQUIFAX XXXX FILE. 

I have attached a copy of my credit report showing the prior deletion of this information. Please comply with my request to remove this information from my report immediately. 

I have also attached a report from XX/XX/XXXX which does not contain this information. 

I have also attached a highlighted version of your response to your previous complaint in which you vaguely detail the process in which you and the credit furnisher verify this said information. I would like more explicit detail as to the verification process employed