davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
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. (DC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (GA)

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 XXXX XXXX Account Number : XXXX Account Name : 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 Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

JPM Chase bank is refusing to release {$12000.00} funds to my business checking account that was deposited on XX/XX/23, cleared the issuers bank ( XXXXXXXX XXXX ) and taken from the issuer 's account on XX/XX/23. Chase has restricted my account and refuses to release the check funds although it has been beyond 10 business day holding period. Chase bank has communicated that if the phone number verification condition is not cleared by the issuer of the check, they will hold the {$12000.00} for two years and then release to the state of Georgia as unclaimed funds. I have attempted to resolve this with Chase bank in person and on the phone. The chase branch manager has escalated the issue to upper leadership, however still no resolution. The check issuer 's bank- XXXX XXXX submitted a claw back on the check on XX/XX/23 so the issuer can receive the funds back and issue another check. However, as of XX/XX/23 Chase has not approved the request nor release the funds. The issuer of the check can not do a stop payment because the check cleared and Chase is holding the funds. That leaves me with no check, no XXXX and now fighting with Chase to get the funds released to me or the issuer. This has to be against the law as the check has cleared and Chase is simply holding the folds at their discretion. This has caused a huge interruption for my business operations. This is a brand new business and I need the funds to pay current operating cause. Please help!
Consumer complaint received 2023-07-28
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 were incorrect. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (IL)

I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX  XXXX XXXX ). He filed a bogus lawsuit against XXXX, XXXX, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to XXXX and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of Protection was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from XXXX XXXX stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that XXXX would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to XXXX XXXX. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for XXXX XXXX to remove the 30 day mark against my credit.
Consumer complaint received 2023-06-14
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. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The loan was previously written off by another lender and/or servicer. Specialized Loan Servicing recorded a transfer last year ( XXXX ) and started foreclosure proceedings this XXXX ( XXXX ). This account has not been paid for over 16 years and I was told it was written off and it stopped being reported on my credit report that long ago. I have received conflicting information about the transfer and ownership of this loan. I'm now being charged all these years of interest and have a pending foreclosure sale date. I'm current on my fist mortgage which was modified over 10 years ago and at that time this second loan was not showing up on my credit or title.
Consumer complaint received 2023-06-06
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: OPORTUN FINANCIAL CORPORATION (TX)

It has been over 30 days and the creditor has not updated my information not has provided prove or documentation on regards a late payment. they have not supplied this information and they must delete this information from my credit report. under federal law they 30 days to do the investigation and failing to do so the item must be delete.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 accounts below : XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX  account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, TransUnion reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from XXXX reporting 180 days late on XX/XX/XXXX. The XXXX report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, XXXX does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.
Consumer complaint received 2023-08-29
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. (GA)

The accounts below do not belong to me and I would like them removed. I filed a report with XXXX. 

XXXX : XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX : XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Experian : XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to XXXX. XXXX closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to XXXX was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked Trans Union to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX  Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Consumer complaint received 2023-08-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

The debt was sold from XXXX XXXX which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was Jefferson Capital system. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (AR)

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 any purpose.

GM financial
Consumer complaint received 2023-08-29
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00}.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

Well since XXXX XXXX2024 I have been making my payments for my parent Plus Loan to The US Department Education because Ed Financial kept reversing my payments and they say on their web site that payments can be made to The US Department of Education . All was going good, payments posting on Ed Financial no problems. Come XXXXXXXX XXXX,2024 {$330.00} and XX/XX/scrub> 2024 {$330.00} payments made to The US Department of Education they were deducted from my bank account by EFT but where never posted to my Ed Financial account. Spoke with Ed Financial at the end of XXXX on why payments have not posted to my account. They requested that I send proof of payment from the bank. All information was sent on XXXX XXXX2024 I have yet to hear back from them and my account has not shown the payments as of today XXXXXXXX XXXX,2024. So for my XXXX payments I went through both Ed Financial and The US Department of Education. The US Department of Education payment {$330.00} went through again and did not post on Ed Financial account again. So I paid on the Ed Financial site again {$330.00} and it was reversed again. So they are showing my account delinquent when payments are being made and deducted from my bank account.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-29
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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