davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX I received an automated letter from Transunion in regards to an investigation for a dispute I submitted XX/XX/XXXX and I received a letter from XXXX for the same account on XX/XX/XXXX for The account " XXXX XXXX XXXX XXXX '' account # XXXX which is showing on my credit profile ( s ) as a prior charge off and a paid in full account.

As stated in both my Certified letter as well as my original CFPB complaint. This creditor listed should no longer be listed on my credit report for the following reasons : 1 ) This creditor is WELL PAST the statute of limitations in which the account was open and held in which is in the state of Nevada. In Nevada the LAW states that the Nevada Statute of Limitations is 4 years and no longer. Transunion and XXXX have made it a POINT to indulge and participate in " Unfair Business Practice '' by clearly knowing this information and being notified of this information multiple times and still choosing to undermine the law and keep this file on my credit report even though it's past the Statue of Limitations. 
2 ). Under FCRA 15U.S.C. 1681p Transunion and XXXX has failed AGAIN with obliging with FCRA LAW 3. ) Transunion and XXXX have now " verified and updated '' this account multiple times meaning that the information they publish on my credit report is INCORRECT, because by fact and knowledge if record was initially correct then there would not be a need to " update '' information. Also attached you will find copies of both credit reports showing different information for this account! One states that this account was only open for 1 month and Transunion is showing from XXXX which proves Verification from Both parties is fraudulent and information is clearly incorrect. Please note that by partaking in this corrupt business tactic, Transunion and XXXX have ALSO breached FCRA 15U.S.C. 623 which states : A furnisher of information ( Transunion/XXXX  ) must NOT furnish inaccurate consumer information. So Both Creditor ( XXXX XXXX and XXXX ( Transunion/XXXX  ) have deliberately obliged in Unfair Business Practice and Trade. 

I also requested NUMEROUS amounts of time a COPY OF THE METHOD OF VERIFICATION AS WELL AS A COPY OF " VERIFICATION '' ( Meaning a hard copy of contracts with WET signature or any documents proving and showing that this account is correct, in which I HAVE NOT AND NEVER RECEIVED ). 

With this information being on my credit report and remaining it has now caused me a great deal of LOSS and Emotional stress and damage. I am sending this complaint in as FINAL record of my consumer right to take the necessary steps to get this discrepancy and incorrect information off of my Credit report and getting it properly resolved, prior to forwarding this ongoing issue to the Attorney General 's office.
Consumer complaint received 2023-09-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (AL)

They have called me thirteen times in a matter of four days in order to collect a debt that they show in their system as paid off. I paid the card yesterday and am still receiving calls about it. As I understand they're only allowed to call seven times in seven days, they keep calling and refuse to leave messages.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" This is not my account. I have no knowledge of this account. 15 USC 1681b I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This are the listed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (KY)

This was an account on my consumer report, that I never had, Im requesting a document with both parties signatures on there stating that we had done business, if not this is a fraudulent account
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My credit has been locked with all three credit bureaus for some time now. I placed locks or freezes on my credit individually with each of the three credit bureaus, Experian, XXXX, XXXX. 

Unfortunately, despite this my credit was accessed by a dental office during a consultation appt. Without my authorization for {$10000.00} line of credit for a XXXX XXXX XXXX  from XXXXXXXX XXXX  on or about XXXX XXXXXXXX XXXX 

This should not have been possible given freezes and/or credit locks were active and enabled with each of all three credit bureaus. Upon my investigation I discovered this had been reported to all of the three credit bureaus and listed on my subsequent credit reports. Both the hard inquiry and active account. 
I immediately initiated disputes with each of the three credit bureaus. Advising that these actions were unauthorized and should had been prevented as active credit freezes and/or credit locks were in place. 
After requesting detailed explanations for this breakdown in security and requesting detailed information related to my dispute and related investigations which lead to the credit bureaus to verify the credit information as accurate. 
All three credit bureaus failed toe provide any information related to how this how credit was accessed, account opened, and then verified as accurate after my disputes. 

This is a gross violation of my basic consumer protection rights and yet another blatant example of giant corporations seemingly ignoring consumer rights and protections. Even when those consumers take an active role to protect their credit from unauthorized use.
Consumer complaint received 2023-09-29
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NC)

On or about XX/XX/, I received my business checking account statement from Chase Bank. The statement indicated that four online purchases had been made from XXXX, on XX/XX/XXXX, XXXX, XXXX and XXXXXXXX XXXX using my business debit card. I have never made any purchases from XXXX using the card, did not make the four charges in question, did not authorize anyone to make the purchases, did not derive any benefit from the purchases, and always had the card in my personal possession. I immediately notified my bank of these unauthorized chargers and was issued four credits on XX/XX/XXXX XXXX XXXX 

On XX/XX/XXXX and XXXX, two of the charges which had been removed from my account were reversed back. Despite my numerous disputes and requests for verification, Chase refused to provide information for the charges and continued to claim that XXXX had verified that the charges were authorized and valid, and that the products had been delivered. XXXX refused to discuss the matters with me, directing me back to my bank. 

Finally, on XX/XX/XXXX XXXX XXXX I received the transaction invoices from Chase for the two disputed charges, which showed that Chase had authorized the charges to my account and was continuing to claim the charges were valid, despite the invoices showing the following : The charge on XX/XX/, for {$38.00}, was made by XXXX XXXX, billing address XXXX XXXX XXXX XXXX, XXXX, IL, email XXXX and shipped to XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, SC. 

The charge on XX/XX/XXXX XXXX for {$110.00}, was made by XXXX XXXX / XXXX XXXX, billing and shipping address XXXX XXXX XXXX, XXXX XXXX, MA, email XXXX. 

I have never heard of any of these people. The billing address for all my business and personal accounts, and my sole business and residential addresses at the time, and for the previous 4 decades, were in XXXX and XXXX, Texas.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I couldnt believe my eyes this afternoon when I discovered inaccurate accounts on my credit report, and I have no clue why this is happening. Im diligent about checking my credit report, but today I found discrepancies that completely caught me off guard. I even tried refreshing my browser to see if it was just a technical glitch, but the errors were still there. The fact that the inaccurate accounts didnt disappear after refreshing is deeply concerning. Because of this, Im requesting a thorough review of the documents Ive sent so that I can have peace of mind and never have to worry about this again.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-23
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: PNC Bank N.A. (OH)

On XX/XX/2024, I visited a self-car wash bay with a posted price of {$2.00} for the XXXX XXXX could be made by cash or credit card, and I used my bank debit card for both washes, and only slid the card XXXX time. The next day, XX/XX/2024, I returned for a second wash and followed the same procedure. When the transactions posted to my account on XX/XX/2024, both charges were {$15.00} each. I successfully disputed XXXX of the transactions, but the bank denied the XXXX  one, and I'm waiting for an explanation. I tried to contact the merchant, but the phone just rings and goes to a fax machine. Reviews online show that this overcharging issue has been ongoing for XXXX  years, and the merchant does nothing to address it. It seems to be a fraudulent practice that no one is stopping.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

A check I sent to a client was stolen in the mail and cashed fraudulently. I submitted all of the required documentation for the claim that Chase asked me for. The representative on the phone assured me they " had everything they needed and I would hear back in 30-60 days '' I received no correspondence from Chase over the next 60 days. I called them after about 55 days and they told me that they now wanted me to resubmit the documentation because a section on their form that asked for a signature from " maker or payee '' required the payee and not the maker. They told me they had not started their investigation because the request was incomplete even though they assured me they had everything they needed 55 days ago.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS MARISOLFED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I was the victim of identity theft and to the best of my knowledge credit cards were opened in a variation of my name and checks were fraudently made in my name draining my account. I reported this to the local sheriffs office and called in to the credit card companies and asked the accounts be canceled as they are not mine and I do not want anything to do with them as they are based off of fraud. Years later. Debt collection companies purchased my information and are attempting to collect debt that is based off of fraud. One company is XXXX XXXX and the other is Midland Credit Management. Both junk debt collectors.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.