davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (OR)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I currently have a credit card with Chase credit services and is the XXXX ( XXXX XXXX ) credit card. I have had many issues with the credit card but the latest have been personal retaliation towards my credit card. I have no one to help me or advice me on this matter but let me further explain. Since I use this credit card for my everyday expenses the credit limit is XXXX XXXX. But is not maxed out and even though i always make between XXXX to XXXX dollar monthly payments I cant seem to ever lower my debt and my point or rewards never change either. I called them today to see why they always block my card as well as to ask them for a credit increase and the first representative denied me this information I am assuming this was cause she didnt have all my information available as she was located abroad. I asked for her to transfer me to a representative in the States as i knew they always have more information specially regarding my personal account and he did. The second rep was great and provided me with the date of my latest increase request and this is where the problem start. I requested him with his legal department as well as as an email where i could make a formal complaint regarding my credit reporting from them as well as i personally told him i believe they are not treating me fairly and he just provided me with a fax number that doesnt work as well as XXXX XXXX XXXX. Not even XXXX minutes have passed by when i get a XXXX point decrease on my experian credit report. Chase credit card services have always decreased my credit score right after i make a complaint regarding the services they provide. I am not joking and you can check the times i called as well as when i get the experian notifications I even have proof of it on my phone. I am formally accusing Chase credit card services of lowering my credit score for complaining to them for irregularities they are doing to my account and this all include, payments i have made them not posting them, credit decrease for questions and complaints i have, not providing me with information i request, I also accuse them of not treating me as a regular customer and they always seemed to know who i am for some reason.
Consumer complaint received 2023-05-16
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. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (IL)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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 crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.
Consumer complaint received 2023-05-16
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)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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 crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XXXX XXXX, I sent a letter to XXXX XXXX opting out of two account reporting. They have not responded or complied.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (MD)

The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
XXXX - 2 hard inquiries Experian - 8 hard inquiries XXXX - 17 hard inquiries XXXX 's of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX 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 was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to XXXX, Equifax, and XXXX  to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (FL)

I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my XXXX and equifax reports
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts 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 these items of information Any other adverse items 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 2023-05-16
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The debt was held by Portfolio Recovery Associates, I negotiated, in good faith an old debt of {$8800.00} to be settled, and considered paid in full for the amount of {$4400.00}. I have a settlement letter as proof of settlement. My 3 credit bureaus are not reporting this as settled in full and still shows an outstanding balance. I was told this debt would be removed from my credit report, but it had not, please help.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

On XX/XX/2017 I noticed charges on my prepaid XXXX card that I didn't make. Immediately I contacted them and was referred to NetSpend. I was instructed to submit a claim to them. My claim for over {$1600.00} was denied within 3 working days. I've contacted them, repeatedly trying to get my money returned to me unsuccessfully. I was instructed to file a police report, which I did. But still have not gotten any money. I'm XXXX and need my money. Help please
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (MD)

The calls from Ally Financial first began in the earliest year of XXXX asking for XXXX XXXX whom I don't know. I informed them that they got the wrong numbers. The calls had stopped for a short period of time and backed up again and left me with numerous voicemails. The calls came in 4 or 5 times per day nearly every other day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. It has been nearly 4 years with all of my efforts to stop the call harassment. 

In addition, I called Ally twice and sent a certified mail to Ally financial in XX/XX/XXXX explaining the wrong numbers and cease the call harassment. I am still to be left with voicemails and calls despite my letter as well as being on the National Do Not Call registry and Nomorobo system. 

The debt collection calls were meant for someone else that is unknown to me. The most recent phone numbers from which I received the wrong numbers debt collection calls are ( XXXX ) XXXX and ( XXXX ) XXXX.
Consumer complaint received 2023-05-16
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. (GA)

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I bank with Well Fargo. I have been their customer since XXXX. Thankfully this is the first time ( and I hope the last one ) that I get scammed. 

On XX/XX/XXXX, I attempted to purchase concert tickets and paid {$170.00} dollars. The person blocked all communication as soon as I passed the money, and no tickets were received. This transaction was done via XXXX through Wells Fargo. 

I called Wells Fargo immediately, and they told me that the other individual had successfully received the money and that there was no way to retrieve it. They transferred me to the claim center to file a claim. 

I received an email informing me that it could take up to 10 business days to investigate. It has been over ten days, and as I called their claim center today, WF let me know that the case was closed. No email was sent, and no notification was given that the case had been closed. 

Additionally, when calling today to find out the claims status, the claim representative was rude and lacked empathy. She said that their investigation consists of checking in with the other persons bank, and it is a matter of he said, she said, and they trust the other banks customer. 

Situations like this make me feel very vulnerable at the lack of banks trying to look after our well-being. 


Kind Regards, XXXX XXXX From XXXX, AZ ( XXXX ) XXXX
Consumer complaint received 2023-05-16
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-13
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. (TX)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX  Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-05-16
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. (GA)

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX XXXX XXXX : {$6900.00} Date Opened : XX/XX/2020 - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX : {$7100.00} Date Opened : XX/XX/2020 - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$7400.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2023-05-16
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 602 A section 2 also a consumer reporting agency can not account without my written instructions
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MO)

In regards to 1099C that Chase filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MI)

LVNV Funding LLC contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from LVNV Funding LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$350.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.