davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB, I am filing a compliant on Chase Bank corporation of Texas for closing my two different Savings Account # 1 ; and Account # 2 without my knowledge not once but twice and did not communicate with me with protocol under consumer policy or procedures in correspondence with regarding my accounts as well as the money that was deposited there in the amount of {$300.00} dollars due to reasons being : 1. not accepting or honoring my Reasonable Accommodations allowed under XXXX XXXX XXXX XXXXof the state of Texas XXXX XXXX ) XXXX. ; 2.  not sending me out any messages via email or letters in the mail to my home address on file ; 3. closing my account due to fraudulent activity and identity theft on my accounts. 

The company has also mentioned to different names reporting on my account by the name of XXXX XXXX XXXX and has stated that I owe a debt, I have verbally disputed the inaccurate information that I am not the person the alleged my name to be. They have two names reporting on my account status and will not remove the incorrect name of whom ever has been using my identity, nor will they give me any proof of documentation of the the two names reporting on my accounts and/or a copy of the alleged debt attached to the inaccurate name reporting on my account so that I can dispute this once and for all. 

This corporation has caused much confusion in regards to non acknowledgement of the current XXXX and utilization of my reasonable accommodations I have the right to use under The XXXX XXXX XXXX and has displayed great discrimination for these reasons my account was closed.
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I had an unauthorized inquiry on my Equifax credit report submitted by XXXX. I disputed it about a year ago with Equifax. Equifax told me that I needed to contact XXXX to address the issue. I wrote a letter as instructed to address the problem. XXXX sent me a letter saying that they had the inquiry removed. I contacted Equifax again and shared the letter that I got. I did not hear anything from Equifax. I called them and they told me to send the letter. I sent the letter and never heard anything about it and the inquiry remained on my credit profile to this day. 

I am appealing to you so that the record can be straighten.
Consumer complaint received 2022-11-21
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. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The debt collector ( Portfolio Recovery Associates LLC ) has placed a collection on my credit report for a debt that is not mine. They are using an illegal practice by trying to collect the same debt from two individuals in the same household. I have attached two photos from my ( XXXX XXXX ) XXXX credit report and that of XXXX XXXX who lives in the same household as me. The Collections are both from Portfolio Recovery Associates LLC and have the same account number. The information I found interesting is that although the Collections are from the same account they are showing different debt amounts. This makes me assume that Portfolio is simply randomly collecting debt they do not have the right to collect. So because of this if Portfolio Recovery Associates LLC is unable to send me a debt validation that includes a contract or official document that has my signature from the credit card company stating I am the bearer of the debt. I also will need to be sent the official or government document stating Portfolio Recovery Associates LLC is the legitimate owner of the debt. They must also include their license # that allows them to collect debt in the state of California and the license numbers of Virginia where they are stationed. Lastly, I will need all the information about the debt including how much it was purchased for. If Portfolio Recovery Associates LLC is unable to provide this proper debt validation within a 30-day window then they must remove the collection from all three credit Bureaus as is my right under the Fair Debt Collection Practices Act. ( FDCPA ) If they refuse to do so I will have no choice but to sue them for the XXXX penalty for infringing my consumer rights.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FISERV INC. (IL)

I received a letter from the TRS Recovery Services saying I have a debt with a company I am unaware of. I have recently been a victim of identity theft and think this is connected. Please let me know if you need additional information. My reference number is XXXX.
Consumer complaint received 2022-11-21
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. (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. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXXXXXX XXXX  Account number 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. 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 2022-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (VA)

I did business with XXXX at our estate in XXXX, VA. We sold the home and XXXX sent a {$150.00} bill to collections for an unreturned receiver on the satellite they placed onto our 35 foot tall roof with a steep pitch. We told XXXX that versus myself-a XXXX veteran to climb onto the roof to get it after they installed it originally, I would pay the {$150.00}. Without notifying me of the bill, XXXX sent it to this bill to McCarthy, Burgess, & Wolff. I have called 6 times to McCarthy Burgess and Wolff to pay this bill but they do not accept XXXX XXXX and when I try to pay using my XXXX, my bank tags it as fraud. The continue to hang-up on me when trying to pay as well. I have no collections on my credit reports, always pay my bills in advance, and have no idea how it's legal for XXXX to send this to collections without telling me first. Assistance would be greatly appreciated. Thanks so much!
Consumer complaint received 2022-11-21
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. (IL)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602 A.States I have 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 7years. 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 know or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-11-08
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. (MO)

On XXXX, I sent a Dispute to remove all outdated inaccuracies on my credit report, However the credit Bureaus Stated the Account name and number were properly investigated, but how is that possible if the open dates are inaccurate, The last report date is inaccurate, This grounds for removal They also violated my rights under 15 USC 1681 section 604A Section 2 The law clearly states the consumer reporting agency can not furnish a written account without my instructions I havent given these accounts written permission to furnish on my credit account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, Transunion received my dispute letter but never investigated. I sent a notarized letter through certified mail along with a copy of my drivers license and utility bill. I sent another certified letter along with supporting documents. Transunion received the second letter XX/XX/XXXX but, again, never responded to my disputes.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP (NY)

Company foster and Garbus LLP send me a letter saying I was being sued sometimes at the beginning of XXXX, around XXXX of XXXX I send a certified letter asking for information in regards to the debt they accused me of owing, the bills I was sent did not belong to me it had someone else complete information. I am being harassed by this company and threatened to be sued. I requested information again they did not provide and threatened to sue. Finally, when they send me information did not add up to what they are accusing me of. They ask me to send my current information but I believe this is a tactic to use it against me as multiple times they did not send me accurate information but once I gave them more information they use it against me. They are saying my current driver 's license was used to open and online account in XXXX that's not possible and the information they send me is not from that year. They are unable to provide me with any information and continue to harass and threaten me
Consumer complaint received 2024-10-18
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. (NC)

I am writing to express my concerns about several issues Ive experienced with the credit bureau, including false account listings, multiple unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I require assistance in resolving these matters to ensure my financial security. Please investigate my situation and advise me on the next steps.
Consumer complaint received 2022-10-10
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. (NY)

In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXXXXXX XXXX/ XXXX XXXX Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : 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 thansevenyears 15 USC 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 informationisinaccurate
Consumer complaint received 2022-10-10
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. (CA)

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these accounts lates will be removed. 
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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Consumer complaint received 2022-11-21
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-10
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX