davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested for help from XXXX XXXX to please fix my credit account of mid reporting on XX/XX/XXXX through their online system and it was ignored. I then contacted them by phone on XX/XX/XXXX and the representative said they dont report updates often to the bureaus and thats why my car payments are missing and thats why the credit card I had with them that I paid off in full has disappeared. This information has been edited from my credit accounts for well over 3 months and they have not fixed this, though I have requested. I advised her that they must report the truth if it is showing on my profile and she hung up. Additionally, XXXX XXXX XXXX XXXX took money from my account that I did not authorize, even after placing a note on my account stating that they are NOT attempting to collect any debt from me. They have continuously reported my account as never paid, and have deleted the good history of payments from the car loan and the credit card. While over the phone, the representative hung up the phone on my face and it caused dm to call back twice. I have still not received the information I requested which was a list of all successful payments I made to XXXX XXXX XXXX XXXX. And all payments they took without my knowledge and permission. XXXX XXXX refuses to fix this issue and continues to reprint false information on my credit profile. Intentionally causing harm, distress, and further denials of housing. I have been discriminated against and they are refusing to follow the laws and guidelines of the cfpb, gov, and fcra.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have complained to the credit union directly, to the CFPB on XXXX and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! XXXX can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and XXXX! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Good afternoon, following my 2 former complaints in the last 3 months, I still have the same issue from Chase since the beginning : despite having XXXX $ on my account, Chase keeps charging me monthly fees today ( statements attached ). So I am still need the help of CFPB to fix it please. Thank you. Regards. XXXX XXXX Historical Reminder : Good afternoon, in XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to XXXX different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). So I would like to have your help again please to fix the same error. Regards XXXX XXXX ''
Consumer complaint received 2023-07-18
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' Hard Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX
Consumer complaint received 2023-07-18
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: Bread Financial Holdings, Inc. (NC)

I have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.
Consumer complaint received 2023-07-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (MA)

The last communication I received from consumer portfolio services was XX/XX/XXXX. I have not received any other communication by mail and this company wrote off this loan as a profit and loss and bad debt right off for the year XXXX. They did this XX/XX/XXXX. At the end of XX/XX/XXXX I had a tow truck company called XXXX XXXX out of XXXX XXXX following me around all night and claimed that they were repossessed in my car. They would not confirm the name of the creditor I can only assume that it is still consumer portfolio services that I have not heard from them for a year and a half now. XXXX XXXX sent to men to follow me around and when I pulled up in front of my house they asked me if I lived there. They then said they were possessing my car and when I asked them who ordered the repossession they said they didn't have to tell me and that they were going to call the police to help them. And then cut into my car and drove to the police station where these two individuals blocked me in the parking lot once I arrived at the XXXX police station. The XXXX police department came out and told them to leave and then if I saw this tow truck following me again that night no matter what town I was in I was to call them. The following night my car was gone. I am unable to get through to consumer fXXXX XXXX and get an actual person on the phone and through their automated system the last payment was due XX/XX/XXXX. Again the last communication I received by mail was XX/XX/XXXX. XXXX XXXX does not answer their phone I've left so many voicemails in the last two days since it was Thursday but the car was taken all three extensions on their line are full of my voicemails I still have not heard back from them. I have not been able to get to my car to get any of my things out of it and they force you to go through a website and make an appointment. They've had my car for four days now and I have been able to get anywhere near it. I file a complaint against consumer portfolio because I can only assume that is who ordered the repossession of this car without notice. XXXX XXXX used illegal means to try to take the car and the witnesses to that or the XXXX police department. I filed a complaint with the attorney generals office and they are advising that I contact the XXXX XXXX Police Department before I try to collect my car but I don't have any means to get there. I called the XXXX XXXX police department and explain the situation to them and they advise me to ask them to accompany me on Monday to XXXX XXXX all I can say is thank God that I chose to go to the women 's police department that night when they followed me because it was two guys refusing to show any evidence on who ordered the repossession and they both got out of the truck and approached me. And I pulled into any other parking lot other than the XXXX police department what would've happened?????????
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a XXXX XXXX credit card issued by Bank of America ; I was approved for a {$7500.00} credit limit ; the card I was activated ; then I tried to make my first purchase for {$150.00} and the transaction was declined ; when I called I was transferred to Bank of America fraud department ; I was told I had to go to a bank branch and present 2 pieces of id ; I had to wait 45 minutes on the phone to speak with someone ; that happened XX/XX/2023; on XX/XX/XXXX I went to my nearest bank of america branch and presented my ids ; I spoke with the representative from the fraud department and card was active ; a week later the card was suspended again; finally after 35 minutes I spoke with an associate named XXXX from Texas ; she id me and said she was trying to get my latest transaction approved! it was {$60.00} to the XXXX XXXX XXXX. I asked that everytime I used the card I have to do this? she said YES! I have not ever heard of a situation of this nature before! we were discinnebted ; XXXX said since she had my mobile phone number she would call me back ; she never did! the liar! I had to call back and wait an additional 35 minutes! No resolution!
Consumer complaint received 2023-07-18
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. (SC)

the list of inquries listed below are a result of indenity theft i did not give premission to have my credit ran by these company i have rights and they have been broken please remove and send me how you investigate these inquries thanks 1 community credit on XX/XX/XXXX 2 equifax mortgage services on XX/XX/XXXX 3XXXX XXXX on XX/XX/XXXX 4'XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX please remove
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (TX)

I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.
Consumer complaint received 2023-07-19
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: BARCLAYS BANK DELAWARE (NY)

Submitting docs. 
Paid old navy/Barclay 's bank on XX/XX/XXXX XXXX On XX/XX/2023 they finally found my money order however not after turning my life upside down
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (OR)

I closed an account with XXXX XXXX when I moved from Texas to Oregon. I returned all equipment, and the representative confirmed he closed my account as well as waived the last month 's fee as a token of " good luck '' moving across the country. I had the receipt reflecting both the return and the account being closed, as well as text communications with my wife of the great encounter I had at the store. They had made zero attempt to let me know that they did not in fact waive the last month regardless of the receipt and what the representative at the store said. This was in XXXX and they sent it to collections in XXXX.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

From XXXX - XX/XX/2023, I filed a dispute with XXXX, Equifax and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have sent multiple dispute letters to Experian XXXX and XXXX. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.
Consumer complaint received 2023-07-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.