davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (MI)

The following accounts are incorrect, and is affecting my livelihood. XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested validation of debt I also sent a notice of dispute attached below sent with certified mail.
Consumer complaint received 2023-04-27
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. (NJ)

When I checked my credit report, I found that part of the information was inaccurate. The 3 credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
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: GOLDMAN SACHS BANK USA (IA)

According to Apple Card, XXXX is reporting credit score/credit history from 6+ months ago. When I log on to XXXX account, I am unable to get a copy of full credit and in order to see my credit score on XXXX, it prompts me to pay.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I sent a letter to Experian to update my personal information. I then received letter back from them on XX/XX/2023 stating they weren't sure if I was the one submitting to claim, so them I responded to their letter and provided their letter verifying it was in fact me requesting the update of my personal information. On XX/XX/2023 i then received the same exact stall letter once again denying to update my information. I submitted proof of identity as well as the original letter they submitted to me. This to me is another stall tactic for them to not move forward with my updates and reports which is against the FCRA. I have sent them 2 letters within timely manner for the updates which they still refuse to update.
Consumer complaint received 2023-04-27
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: U.S. BANCORP (CT)

I believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and Elan financial services which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

Background : I froze my credit bureau reports with XXXX, XXXX and Experian, more than a decade ago. Given the risk of hacking and data theft from large company data bases, I use the automated phone systems of the bureaus to lift and re-freeze my accounts, which I have done several times over the years.On XXXX, I called and over the phone, successfully lifted my freeze at XXXX and XXXX for XXXX day to expire on XXXX. On my first call yesterday to Experian, I was told freezing my accounts is no longer the most effective method of preventing someone from opening credit in my name. I was given XXXX options to lift the freeze for XXXX hours. 
XXXX go online -- -- which requires entering my SSN ( clearly a risk in today 's environment ). 
XXXX sending a letter with copy of driver 's license, utility bills/ takes XXXX days for reply. 
XXXX purchase a new product with a XXXX time fee of {$360.00} that would synch protection from all XXXX bureaus. 
I advised Experian that I needed to lift the freeze effective today and that the other XXXX bureaus ' systems lifted over the phone, without requiring me to go online and they did not mention a new {$360.00} product. I phoned Experian again, a different call center agent, and was offered XXXX XXXX. mail a letter or XXXX the new {$360.00} product. 
Given the risk of data base theft, I chose not to go online with Experian and enter my SSN and still have not completed the pending application for a line of credit.
Consumer complaint received 2023-04-27
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-04-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/00 Balance : {$86000.00}, DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}
Consumer complaint received 2023-04-27
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-27
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: Conn's, Inc. (TX)

I have advise this company that I have never had an account with them. Their first investigation states that I was staying at an address were items were delivered and I have provided my signed lease to the address of the home that I was leasing at the time this fraudulent account was opened. I have never at the address that they provided. I have asked them to sent me any online application if it was done online and any store video if this was done in store. They stated that I made payments on this account with my bank account when in fact I didnt have a bank account. I have never in my life had a bank account. I advised them to send me any proof of a bank account with my name & they advised me that I had XXXX. I have never had XXXX. I contacted XXXX and they was not about to find an account with my name attached to it. Any bills that I pay, is always paid in cash or money order. I have asked them to send me receipt of payment showing paid in cash or by money order and they have failed to do so. I filed an appeal more than 45 days again and havent hear back from them.
Consumer complaint received 2023-04-27
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account ending in : XXXX To Whom It May Concern : On XXXX XXXX XXXX, I made an uninformed decision when I entered in this consumer credit transaction when there was no evidence of indebtedness. The only evidence of the debt was the agreement but that agreement is null and void because i did not understand its meaning, it was not clear and conspicuous according to 15 USC 1601 ( A ). 15 USC 1602 ( K ) also states that such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. XXXX XXXX XXXXXXXX has taken of advantage of me and violated my consumer rights.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (MI)

I received a private student loan from Chase in XX/XX/XXXX. In XX/XX/XXXX Chase stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by XXXX saying I owed them for a student loan that I opened with Chase. I only opened one loan with Chase but both XXXX and XXXX has my student loan with the same promissory note from Chase. I talked to Chase who informed me that my loan was transferred to XXXX whom I have been paying every month. However, XXXX XXXX has defaulted my student loan and garnished my wages for the loan serviced by XXXX.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (PA)

Dear XXXX, I am writing to dispute the inclusion of several hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-B, consumer reports can only be provided for permissible purposes, such as an extension of credit. However, these hard inquiries do not appear to fall under any permissible purpose, as they were never involved in any extension of credit. 
I would like to request that you remove these hard inquiries from my credit report, as they were not authorized by me and were not related to any credit transaction. The inclusion of these inquiries is having a negative impact on my credit score, and I believe it is unfair and inaccurate. 
I understand that under the FCRA, consumer reporting agencies must investigate and respond to disputes within 30 days. I request that you promptly investigate this dispute and remove the hard inquiries from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-27
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. (MI)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX  ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Amsher Collection Services, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX falsely reported that I was 60 days late with an account payment in XX/XX/XXXX. The account was paid off in XX/XX/XXXX. I have submitted 3 claims with Equifax at which point they said to contact creditor which is XXXX XXXX. I have contacted XXXXXXXX XXXX numerous times to 1 ) make sure they report a 0 balance as of XX/XX/XXXX and 2 ) remove the derogatory payment status. Ive contacted them several times in XXXX XXXX XXXX XXXX XXXX and they keep giving me the run around in regards to the proper and effective procedures on how to contact them to initiate the process for them to remove the derogatory status. First they say they can take the request via phone, 1 month later they story changes to I need to file via their secure message center, now its I need to submit a letter in writing to request that they remove the late payment status. I have been following up with this creditor since XXXX of XXXX to ensure my account is order. Ive been a customer since XXXX but they are not being supportive in the process of removing the delinquent payment. Please help my credit score dropped XXXX points bc of this.
Consumer complaint received 2023-04-27
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)

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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX  XXXX Balance XXXX {$30000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-04-27
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. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX XXXX5 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

There was a lady aged XXXX didnt give me no name however she had a very believable profile picture that sent me a message on XXXX telling me that her husband died 2 years ago and that her last boyfriend blocked her after she sent him money for college and I felt bad so she offered to be XXXX XXXXXXXX XXXX supposedly and that as long as I give her attention and always is there for her she will give me {$500.00} allowance each week and she said she would give me {$1000.00} dollar check to start off and she also gave me a story that there was a baby who needed XXXX so she would send me an additional {$2000.00} on XX/XX/XXXX  however I did not redeem the {$2000.00} check because I felt sketched out about it so for the {$1000.00} I sent a message to Chase saying to cancel the check because it didnt seem right but the check still went through and after it went through my account got closed and I called the bank but they didnt tell me the reason I sent a message to the person who sent me the fake checks that it was all a scam because I had a negative balance even though I never touched a dime from the check thats went through I have no real reason to ever steal or do any such thing Ive been with chase for awhile already and I never used it for anything malicious I then blocked the person who sent me the check on XXXX but the person texted me on XXXX because I had given her my number when we talked and I have proof that she kept bothering me about the checks and she also tried to call me the days after I got my account closed to send her money back i told my family and they looked up if this had happened to anyone else and it turns out it was a whole scam I fell into Im barely XXXX XXXX XXXX and I got my account closed because I scanned one check from someone I thought was being serious and nice to help me pay for bills. I tried to fix it with chase but they wouldnt give me the reason why it was closed down at the time so I left it at that however I cant just let something I fell a victim to just pass by because this could happen to others as well and they can be unfairly banned even though I understand where chase is coming from however I dont see how its fair after Ive been loyal and done nothing wrong ever this was the first time ever Ive come across a major issue however I am looking to fix this issue.
Consumer complaint received 2023-04-27
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: CCF Intermediate Holdings LLC (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX {$1700.00} ) has violated several of my rights. 16 U.S.C 1691 section 602 A. Clearty states that 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 an account without my written instructions. 15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Delete fraud alerts and extended fraud alerts Experian:06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.