davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX 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 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 2023-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I deposited my homeowner 's insurance check from my claim from hurricane Ida, into my savings account on XX/XX/, at the local branch. I was told that the fund will be released on XX/XX/XXXX XXXX XXXX  On Friday, XXXX XXXX I noticed my account was restricted I couldn't use my debit card. I couldn't withdraw or deposit money into my account. I called Chase on the phone and was told that the check that I deposited was fraud. I spent 2 hours on the phone while they investigated me as if I were a criminal. They asked so many questions I had to give them my lawyer 's number to speak with them. I was told that the check was clear from XXXX XXXX  but they still were holding it as fraud. I feel like they did that to me because of the color of my skin and the amount of the check. To This day the check is still on hold.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I was a victim of debit card fraud of over {$2000.00}. I made a claim and everything seemed to be fine until XXXX XXXX a hard hold was placed on my account I called US Bank and they informed me that due to fraud my accounts are under investigation and will be closed. I was fine with this as US Bank has not been the most consumer friendly. I asked for a timeline and was informed 30-45 days. The 45 day mark has now passed and the provisional credits that were to be provided I have received. Now my funds are in an account I cant move them out nor receive deposits. My other accounts are overdrawn because I cant post any debits. I have called multiple people and they dont know anything. The last online banker I called informed me I know have to wait 90 days its completely unprofessional especially if I have done nothing wrong but be a victim of fraud.I just want my money so I can do what I have to do. This has incovienced me a lot. I have banked with them since XXXX and no issues now this and the treat me like a criminal get over yourselves.
Consumer complaint received 2024-10-10
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-09
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. (CA)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged off XX/XX/XXXX, Since then the PAYMENT HISTORY has been updated with XXXX each month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information manipulates the statue of limitations and in addition to that. Your update of payment history cost me more than a XXXX point decrease in my credit score in XX/XX/XXXX. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. And I would also demand my XXXX points back that you cost me due to your willful negligence. I have attached screenshots of your lack of investigation. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (SC)

I need you to investigate the following account : XXXX XXXX XXXX Account : XXXX I was never late on the paid off account listed. I have late payment reporting in XX/XX/2023 and Im not sure how that is because I have always paid on time. Please show me documentation showing proof of the transaction showing I was ever late to support your inaccurate reporting on my credit report. I have encouraged family members and friends to join you all to reap the benefits of this great company. These late payments have affected me tremendously dropping my credit over XXXX point I have become XXXX  as I seem to never be going to be able to purchase a home. No one in my family owns a home and I want to break the generational curses. This is an INVALID late payment and I ask that those late payments be updated in the payment history to paid as agreed never late ( PAANL ). As the FCRA allow 30-days for this issue to be rectified This is also a violation of 15 USC 1681b ( a ) ( 2 ) ( Ai ) as I the consumer did not provide written instructions to release any information, and doesnt include any information solely as to transactions or experiences between the consumer and the person making the payment. This is also a violation of U.S. Code 6802 ( b ) Obligations with respect to disclosures of personal information meaning that a financial institution may not disclose to a third party unless the financial institution has provided the consumer a notice in which I have not received. Nor was I giving the option to op-out it was only the option to op-in I also understand that according to federal law 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Thanks, XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2024-10-10
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. (NY)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/year> - {$00.00} XXXX XXXX  - XXXX - XX/XX/year> - {$00.00} XXXX  XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX  is reporting inaccurate information to the credit reporting agencies. They are reporting inaccurate payment history and amounts. They are reporting that the account is closed and charged off at the same time. The account can be one or the other. If the account is closed/written off I never received the 1099C form from them this has to be reported on the company end as a loss of income and gain on mine. Also if the account was charged off I was never told what company the debt was sold to. If the account was written off this has to be reported to the irs. I do not believe you can write a debt off and still sell it and try to collect on it that seems to be fraud. I believe this is also numerous violation of the FCRA and an IRS code violation. They have also defamed my character and caused me harm.
Consumer complaint received 2023-08-28
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NV)

Ic systems is trying to collect a debt that I do technically owe XXXX for around {$1100.00}. They have put 15 deragatory marks on my credit for the same debt and now my credit score is XXXX I didn't even know it could be that low .... I'm not sure what I should do about this. They have also never tried to connect me that I know of. Seems like their intention was to destroy my credit not collect a debt.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

On XX/XX/2023, a bankruptcy was filed on my credit report, which was dismissed by me because nothing was filed in court, so this bankruptcy was never legally issued in my report, leaving aside all the information. 

During this time I have tried to get the LexisNexis Company to verify the information, correct and remove from my report any information regarding said bankruptcy, since unfortunately the information they share is inaccurate, incorrect and without data in the history so you can see in the attached files that are the credit report sent by LexisNexis where you can verify that all the information shared is inaccurate and incomplete, where they show an open bankruptcy. when on XX/XX/XXXX of the same it was dismissed since no legal allegation was filed. 

Likewise, if the bankruptcy was open, they have the obligation as established by the CFRA to confirm verifying and sharing correct and accurate information and not half-information where my credit report is significantly affecting me..
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (AL)

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 
As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputesas previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. 
Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AR)

I made a purchase on my JP Morgan Chase Freedom Flex on XX/XX/year> for {$360.00}. I made the transaction through XXXX for a United Airlines ticket. The Freedom Flex card has 5 % rotating bonus categories by quarter, and in XXXX ( XXXX ) XXXX is a bonus category ( extra 4 % in addition to base 1 % ). Chase has it coded in their system as a purchase made directly with United and has thus far refused to award me the 4 % extra points for this transaction. 

I've called Chase at least 5 times over the past month to try and figure out an amicable solution. They had told me to reach out to XXXX and have them recode the transaction. I called XXXX and they said since the transaction closed, Chase would have to recode on their end. I spoke with Chase again and they declined to help me recode the purchase and award me the bonus points for this transaction, encouraging me to reach out to XXXX again otherwise they can not make me whole. 

Looking online, it seems like a few other consumers who have used XXXX on a Chase transaction have also not received their bonus points as well.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Once upon a time I set up an account with Experian, which was required for me to remove an account from my credit report. No problem, I thought. However, they will NOT stop sending me spam. Log in to see new alerts! Put this back on your account, XXXX! Do that, XXXX! 

NOTHING makes them STOP! 

I have my account under a very old gmail. I am so close to my limit, that every spam email I get gets me closer to filling it up. 

I should be able to see my credit reports/accounts and NOT BE FORCED INTO EMAILS FROM PREDATORS TRYING TO SELL ME SERVICES! I have absolutely had it and will be filing complaints every time one of these folks pursues this junk. 

I have requested many times they stop. Nothing works.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made of a material basis, representation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information relevant to me as a consumer nor were these items related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I AM asking and block and remove these transactions being reported to my consumer report within four ( 4 ) days of the receipt of this notice.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-10
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. (FL)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-10
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)

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge off account from XXXX XXXX XXXX XXXX with a balance of {$300.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4500.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TAB SUNBIT # XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-08
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. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and I'm completely baffled by how they appeared. I routinely check my credit report, but this time there were unexpected discrepancies. I tried refreshing the page, thinking it might be a browser error, but the unauthorized inquiries were still there. I'm very upset and ask that my documents be carefully reviewed to prevent this from happening in the future.