davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act Convergent 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have records proving I was I never late.
Consumer complaint received 2022-06-22
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. (MO)

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX - XXXX Balance {$7300.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$5400.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$2900.00}, XXXX - XXXX Charge off {$500.00}, XXXX  XXXX XXXX XXXX XXXX Charge Off {$990.00}, XXXX - XXXX Charge Off {$690.00}, XXXX XXXX  - XXXX Past Due {$160.00}, XXXX - XXXX Charge Off {$350.00}, XXXX  - XXXX Paid Charge Off {$8100.00}, XXXX XXXX - XXXX Charge Off {$920.00}, XXXX - XXXX Past Due {$920.00} XXXX XXXX XXXX - XXXX Balance {$160.00}, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX XXXX 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. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX account XXXX XXXX XXXX XXXX acount number XXXX reporting a on my credit report on transunion, XXXX and XXXX. I should be kindly remove inmediately since it was ruled by the Department of Justice in XXXX XXXX ruled out on XX/XX/ that the contract for the aforementioned account was not valid. 
Please proceed with an inmediate removal from my credit record.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2024-08-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Dates : from XX/XX/XXXX to now Amounts : the upgrade offer, spending XXXX then give me XXXX. So the amount should be XXXX. 
Company : American Express Actions : 1. Owe my upgrade bonus for a very long time 2. With irresponsible attitude when dealing with things : 1 ) different words with my upgrade offer 2 ) different words with my qualified spending 3 ) wrong actions and answers with my questions 4 ) had impatient attitude sometime
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On the morning of Tuesday XX/XX/2022, I went to a Chase bank location to use their atm to withdraw money being that it is the closest bank to my house. I am not a Chase customer. That is something they kept asking me. I have a debit card provided by the state of Arizona in which child support is deposited. I've had this card for a few years now. I went with the intent to withdraw the funds from this account which was {$420.00} At approx XXXX XXXX I proceeded with the transaction at this atm. The door in which the money should be dispensed made a creeking sound and the screen then said we currently can not give you a receipt. This has never happened before. I figured the atm was out of order so I went placed the card into the Chase atm directly next to this atm machine in question. To my surprise the available balance was {$8.00}. I felt as though I couldnt breathe. The bank was still closed. I found a number on the atm which I immediately called. The XXXX representative on the other line said this is something I will have to take up with my bank. I explained several times this isn't a bank atm card. I was hung up on twice. By this time the bank was about to open. I spoke to a Chase bank teller who then referred me to her manager. The manager stated this is an issue I have to resolve with my bank. Once again I explained this is a child support card. She said the state does the same thing. They will treat it as fraud and open an investigation. I walked out and called the State of Arizona Child Support Office. The representative said I need to have some kind of proof that the money wasn't dispensed otherwise there is nothing they can do. They did state however that they have never ever acted like a bank in fraudulent situations and the Chase manager was wrong about that. I went back to the Chase branch and spoke to the manager regarding the information I had recieved. The manager said there is absolutely nothing she can do for me. Now she said that the atm and the bank branch were 2 separate entities. I asked for the contact information for the personnel that service the machines. She said she doesn't give out that information. I dont know what to do. The transaction happened directly in front of a camera. As im writing this i am in tears. {$400.00} is so much money for my kids. My intention was to begin shopping for the next school year and now I feel as though that money is gone and I have nobody to help me. Please help me. Please dont allow Chase bank to take my daughters money. Thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I had gotten my first check from my employer for the amount of {$460.00} However my paycheck did not go into MY account it went into someone elses account. Ive made countless phone calls to Chases customer service line to try and have the check returned to my employer so they can pay me for my hours I worked. There was even a claim filed with chase by the person who received my check. The person made note that the check was not theirs to keep. Chase has been very unhelpful in the matter of returning MY check back to my employer so that I can be paid for the work I did. I went into chase XX/XX/XXXX as well and whom I spoke to I dont remember but the lady said all the other person would have to do is go speak to a manager and Id be able to get my check returned to my employer yet This person has tried numerous times to let them know thats not their check to keep. Ive tried numerous times. My employer even tried to get a reversal on the check which Chase refused.
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX
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. (IL)

CFPB Experian has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( EXPERIAN ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( EXPERIAN ) ( EXPERIAN ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX  not fraud over XXXX yrs DELETE XXXX XXXX XXXX please delete old addresses that not on my government ID 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 2023-07-28
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. (OH)

I sent a letter out on XX/XX/XXXX. XXXX to Experian, XXXX and XXXX. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents. 

I spoke with an agent named XXXX at Experian on XX/XX/XXXX who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

Phone conversation requesting information regarding debt stated it not mine. Letters written and sent XX/XX/XXXX after dispute through XXXX completed XX/XX/XXXX stated the debt verified. My report shows two Texas " just energy '' utilities collections despite never having lived in Texas. The debts are not mine. XXXX Name XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX There are two separate accounts listed as " just energy '' utilities in Texas. 
I requested they be removed from my credit report immediately.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

I have had money taken out of my account that was not authorized. 
XXXX. XXXX XXXX XXXX. 5 hours ago XXXXXXXX XXXX. 18 hours ago. XXXX XXXX 18 hours ago XXXX XXXX 18 hours ago XXXX On the pending transaction page it states XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX I just noticed this was happening. I'm on XXXX wth XXXX XXXX XXXX. I'm on a fixed income and can not not afford banks taking money from me.5 hours ago I was sound asleep. On the XXXX I was at the beach and had no phone service. There is no way I authorized withdrawals from my Chime account. I have no idea how long this has been going on. I would really like to know. I've been in contact with Chime support numerous times. Left messages, emails chatted with customer service. I get no response back from them. And no resolutions to issues. This isn't the first time this has happened. I want to know how much they have taken over the years.
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. (FL)

I have 2 incorrect files on my credit report and Experian wants me to contact three different departments because they are different and talk to each other. I have already dealt with the Bankruptcy Department there and they are not helpful at all! These were all removed when I filed a complaint in the past but now they are back on my report. They need to off they are incorrect. 

1XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS NO ACCOUNT NUMBER ON MY FILE- I THINK THIS WAS A BUSINESS ACCOUNT AND IT WAS PAID WITH XXXX BALANCE WHEN THE BANKRUPTCY WAS FILED. IT HAD NOTHING TO DO WITH THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$31000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card PAYMENT HISTORY LEGEND Status Discharged through Bankruptcy XXXX XXXXXXXX. 
Status updated XX/XX/XXXX Highest balance {$62000.00} Monthly payment 2. XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS THIS WAS MY FATHERS ACCOUNT UNDER XXXX XXXX AND IT WAS PAID WITH INSURANCE AFTER HIS DEATH SOME MIXUP WITH THE INSURANCE COMPANY THAT IT TOOK THEM YEARS TO PAY IT. THERE WAS NO DEBT WHEN THE BANKRUPCY WAS DONE! IT WAS ALREADY PAID FOR MONTHS IF NOT MORE THAN A YEAR BEFORE SO IT COULD NOT HAVE BEEN INCLUDED WITH THE BANKRUPCY. LAST PAYMENT XXXX TWO YEARS BEFORE THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$84000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Home Equity PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance {$77000.00} Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX