davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: LCI Acquisition Inc. (IL)

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating The United States Bankruptcy Court does not report any information to the credit bureaus. So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-07-10
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. (VA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-10
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. (IL)

My credit report shows a collection for an account that isnt mine. This account said it was open this year and from a consumer I dont even use. I have XXXX XXXX XXXX service since XXXX and this collection is for a XXXX account opened in XXXX. 

I have took action to report to the company but nothing has been resolved yet and over the phone they even said I dont see an account in the system for me. 

Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00}
Consumer complaint received 2018-11-14
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: JPMORGAN CHASE & CO. (NC)

Purchased a service through a vendor called XXXX. Was over charged for the service according to the price advertised for a similar service in the contractors reviews. The vendor would not give me a refund or adjustment, so I disputed the transaction on XX/XX/XXXX. Per the vendor, I had to wait until the charges actually posted on my credit card. Contacted the vendor on XX/XX/XXXX after the transaction posted. 

So far, the dispute is unresolved. I have received several letters from Chase bank that have conflicting information. The first letter advised that I needed to provide the same information that I provided on the dispute form online. The second letter advised that I did not need to send information. A third letter stated that the charge was legitimate, however, the dispute is still outstanding. 

I work in the mortgage industry, and am trained in recognizing fraud. The letters all appear to have varying font sizes, different nomenclature for the representatives signature, and one letter has " Page 2 '' on the back on the first page. Appears to have been printed off of a personal inkjet printer. 

Also sent a message to Chase via their secure message center on XX/XX/XXXX asking for a status and timeline for completion. Did not get any specifics. Typically a dispute does not take this long, it's approaching 90 days and I do not feel as though the charge is valid for the service provided. 

The amount is {$200.00}
Consumer complaint received 2023-07-10
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. (KY)

Experian Account : XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/. See attached court decree.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023 I file a dispute with XXXX XXXX and TransUnion my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Incompetent customer service representative with credentials parallel to XXXX XXXXs drive thru employee, XXXX EMPLOYEE ID XXXX, kept me on phone for over 5 hours " disputing info ''. He recommended that I cancel certain disputes and that certain credit reporting agencies are reporting on Equifax, because they submitted a fraud alert. For example XXXX XXXX which never appeared on credit report at any point is now displaying, XXXX  XXXX, which on XX/XX/XXXX was deleted and never appeared on report on XX/XX/XXXX called and confirmed did not appear yet XX/XX/XXXX it displayed according to incompetent XXXX XXXX. He stated he was putting in notes that he personally recommended and cancelled recent dispute but never did. He also stated he was putting down that he recommended the changes for redispute. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   were not on report for months all of a sudden they appear yesterday. Incompetent XXXX stated he was disputing this that XXXX and XXXX deleted all of this. After his hunger got to him and his overweight tendencies as well as his idiotic demeanor kicked in he disconnected call because he was between rock and hard place. He admitted he did not do his job. Equifax does not serve the consumer. Equifax, armed with moronic employees like XXXX waste time and XXXX consumers. 



YOUR SYSTEM WONT LET ME ENTEE LAST 4 OF SOCIAL BECAUSE XXXX XXXX ATTEMPTING TO. MAKE IT MORE DIFFICULT FOR CONSUMER TO DISPUTE!! 

LAST 4 IS XXXX CASE NUMBER FROM EQUIFAX XXXX
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

This is the second complaint about this company as they have reported the same account on my credit report TWICE! They tried to be slick and posted it my credit report with 2 different account numbers. however this account is showing as paid ontime and closed in XX/XX/XXXX. Since I do not know who is the vendor, I consider this debt to be fraud. I have placed a fraud alert on all 3 of the credit reports and have also gotten a XXXX account. I have been unable to get the vendor to provide written document with my signature on it verfying the debt, yet they manage to report this data monthly! I need assistance in this matter.
Consumer complaint received 2023-07-10
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: SYNCHRONY FINANCIAL (NY)

I am currently reviewing my XXXX Credit report and SYNCB/LOWES obtained my credit report without my written or verbal permission. 
I would like to have the following inquiry permanently removed from my XXXX Credit Report : SYNCB/LOWES - DATE : XX/XX/
Consumer complaint received 2023-07-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DC)

RE : XXXX XXXX XXXX XXXX Discharge Dear Whom, it may concern, I am writing this letter because I received an email from the Department of Education regarding the Navient private loan settlement lawsuit. This lawsuit was related to the XXXX XXXX XXXX  XXXX XXXX. I want to see if you can help me with the proper process for discharging my request because it is unfair that I continue paying for XXXX XXXX  XXXX XXXX when they misled me during my journey there. I enrolled at XXXX in 2002 and had to sign a private loan when I did not have enough federal loans to cover that academic year at XXXX XXXX  XXXX XXXX. I was forced to cosign since my credit was terrible, and we signed up for one. Now my cosigner XXXX XXXX, and I am burdened with it. The School told me they would provide accessible interpreters for my XXXX. I believed them and enrolled in the school, taking up XXXX XXXX. A year later, there was a situation where several XXXX  students and I had a lawsuit against XXXX for not providing us access to interpreters and needs. They settled the case with us, and we received a little bit of money, and I could not return to school due to this matter. Years later, I am still paying for something that I could not complete at XXXX XXXX XXXX XXXX, and they have misled me into thinking I could have gotten my degree. 
I am writing this because it was unfair, and I was led to take out an unnecessary private loan I look forward to your help and assistance in resolving this matter.
Consumer complaint received 2023-07-08
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. (NM)

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.

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 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received any response from TransUnion regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that TransUnion removes it from my credit report. ) ( Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. ) ( Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. )
Consumer complaint received 2023-07-10
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. (CA)

MY IDENTITY WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THESE ACCOUNTS FROM MY CREDIT REPORT. I HAVE REQUESTING IN WRITING MULTIPLE TIMES.
Consumer complaint received 2023-07-10
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. (PA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

Chase allowed two fraudulent withdrawals from my checking account. According to the Police Detective in XXXX, AZ that spoke with one of two XXXX Reservation Casinos the following occurred. A male created fake checks using his name with my account number and routing number. He was able to cash two checks in the amount of {$1000.00} and {$4000.00} and establish a line of credit at the XXXX XXXX XXXX   XXXX in AZ using my checking account info for {$30000.00}. I am the only authorized person on my account, am not male, and was not at the casino. The casino has the name of the male individual who presented the checks. 

Chase refuses to open a dispute for the {$4000.00} transaction and has only sent the documents to a local bank for me to sign to dispute the {$1000.00} transaction. Chase claims the identity theft and fraudulent withdrawals are beyond their 60 day limit of liability. 

Chase never notified me or contacted me about the checks nor the line of credit established for {$30000.00} at the Casino. 

I have written 4 checks on this account the entire year. I have never been to these casinos and was not in the state when they occurred. The withdrawals are completely outside of any banking activity I have ever conducted. 

I am unable to pay my mortgage in XX/XX/XXXX due on the XX/XX/XXXX because of the illegal withdrawal of funds. I also pay my credit card, also with Chase from this account and can not pay the amount in full as well. I never carry a balance on my card and thus will incur a finance charge. My mortgage company has no provisions for missing a payment of deferring a payment.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I accidentally set up a XXXX fee payment for XXXX on XXXX. I called my bank ( USAA ) immediately to stop the payment because I was selling my condo. After I sold my condo ( after two weeks ) USAA made a XXXX payment from my account on XX/XX/XXXX. They said they couldn't stop the payment but once it is posted they would get my money back. 
But it turned out it wasn't as they promised me. After it is posted to my account they didn't refund my money back. They told me to contact the merchant. However I contacted the merchant many times but they aren't returning my money either. I believe USAA is the responsible party because I called USAA many times to stop the payment. But they didn't. They basically gave away my money to the XXXX. Now I can't get it back. I didn't receive any services in XXXX from XXXX, because I sold my condo on XX/XX/XXXX. I provided closing documents and post conveyance from the closing agent that states, that money needs to be returned to me. USAA needs to correct their mistake. I trusted USAA and therefore I kept my money there. Basically, they gave away my money to a merchant I didn't receive any service for XXXX.
Consumer complaint received 2023-07-08
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. (NM)

I have items passed on that should be taken out or blocked by XXXX AND TRANSUNION CREDIT BUREAUS. Per FCRA segment 605, XXXX AND TRANSUNION Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT AND DO THEY JOB PROPERLY. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX AND TRANSUNION Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00} ; XXXX XXXX XXXX XXXX  {$440.00}.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I've been offered a job as XXXX XXXX XXXX XXXX by a so-called XXXX XXXX XXXX XXXX XXXX XXXX ( it turns out he isn't from that company ). To get the job I had to get a XXXX XXXX since I'm XXXX  and he told me to get in touch with XXXX XXXX ' at this adress : XXXX. I was told I had to pay XXXX  fees for the application process and that the money would be refunded no matter what. I had to make payments instalments for the amount since I didn't have the. amount. I've been given receipts from USCIS and Us Department of Homeland Security for the first two payments,. After I made the last payment, I didn't get any news for 2 weeks. Then I got an email to tell me I would have an interview at the XXXX  if I pay around {$2000.00} for documents that concerned the company and that I had 3 days to pay it all. I therefore reach out XXXX XXXX XXXX, the real company, and I was then told that they are aware of individuals posing as XXXX XXXX  and have made the necessary parties aware. I filed a complaint in XXXX and ask my bank to reach out the banks involved to ask for a refunds of funds, which has been denied. 
I made the following payments : XXXX Transfers : - XX/XX/year> : {$780.00}, - XX/XX/year> : {$1000.00}, - XX/XX/year> : {$1400.00}, - XX/XX/year> : {$980.00} XXXX : {$1000.00}, - XX/XX/year> : XXXX XXXX XXXX XXXX Transfer : XXXXXX/XX/year> XXXX {$980.00}