davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX XXXX T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
_XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ XXXX XXXX XXXX Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in XXXX report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Consumer complaint received 2024-11-14
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. (TX)

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 
XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.
Consumer complaint received 2024-07-25
Product: Credit reporting 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. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-06-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TN)

Have spoken to people multiple times at this location over the phone have told them we are experiencing a hardship due to covid19 my husband has been waiting over 8wks for unemployment they say each time it is fine they will work with us only to be called again a few days later saying that we haven't spoke to anyone or they don't show any notes on my account last conversation I had was on XX/XX/XXXX spoke to XXXX told him we had some money coming in on the XXXX for our families first emergency assistance and could bring some money in then was told that would be fine but then as of tonight someone came to pick up our vechile although I have emails from the company stating that no involuntary repossession will take place due to the hardship of covid19 which was a lie and I believe they took my car based on market value and the money they would be able to profit in return.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-14
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. (PA)

I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.
Consumer complaint received 2020-06-29
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. (MO)

XXXX trans union and XXXX all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.
Consumer complaint received 2024-08-14
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-07-25
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. (AR)

My husband I both had vehicles from XXXX XXXX They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost XXXX point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had 1 credit card with Bank of America account ( as an authorized user ). XXXX   reported it. Account opened XXXX, still open. XXXX  deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on XXXX  and/or XXXX  who BOTH report it correctly which XXXX  has been told numerous times. XXXX  mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the Bank of America Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to XXXX  and Bank of America monthly, the account is NOT reinstated. It has been over 4 months. XXXX XXXX nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ),  and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by Bank of America letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
Bank of America contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). XXXX  states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Initially on XX/XX/20 I submitted a complaint id XXXX that transunion had incorrectly removed my XXXX XXXX credit card from my credit report which dropped my credit score 41 pts. On XX/XX/20 my XXXX XXXX credit had been readded to my credit report increasing my score 34 pts however as of XX/XX/20 my XXXX XXXX credit card had been removed from my credit report once again dropping my credit score now 37pts. I reached out directly to Transunion advising them my card was incorrectly removed again. I was advised there was nothing they could do since they only report from the creditor. My credit card is still active and should not have been removed.
Consumer complaint received 2018-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-26
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. (TX)

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. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

I have two credit cards with Chase. Total balance about $ 20k. I never get this much in debt but the CC amounts are so high because I had to move to support a family member who is sick and then the virus hit which meant a loss of income and I struggled to pay the interest and debt. I did the 3 month standdown of payments chase offered during the virus but they still charge interest which I have to pay later!!! So there is no gain. Talk about morally corrupt. They should have not charged interest. Chase is getting money at almost 0 % with big government subsidies and are still charging 17 % on CC 's! 
Since the virus hit, I've contacted Chase about 8 times - both by online messages and phone. I've spoken to numerous departments. The only offer was to close the cards and put me on a 5 year plan at 12 %. This will be about $ 10k in interest! 50 % of the debt!!! Still robbery. And to close the cards seriously affects my credit report which I'd like to avoid. 
I've always paid my debts in my life, never been bankrupt, and been a good customer of theirs for over a decade. It is reasonable in this trying times of the virus and economic shutdown to get a compromise solution from them. I've asked them to lower the interest rates on the cards so I can manage to make the payments. Another bank I had a card with did this and I paid it off. However chase has refused. They should be reducing interest to those in trouble to single figure interest rates. Which is still way higher than the bank rates and covers the risk of unsecured debt. 
The Chase department that deals with negotiating debt advised me to declare bankruptcy!! I asked them a couple of times if I was hearing them correct and they said they had no options for me other than advising me to declare bankruptcy! I'm reaching out and trying my hardest to deal with this debt in a reasonable way and asking them to compromise and lower the interest rate on the cards and they refuse. I do not want to walk away from the debt but Chase needs to be more lenient in these troubling times and meet me half way. Please help.