davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (NJ)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
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 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies Equifax and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. '' There are several adverse items within the reports furnished by Equifax and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

Unfortunately with CFPB, you are only allowed to select one choice but my issue with Chase Bank involves multiple potential violations. 

I have had various health and financial issues over the past couple of years. I'm finally getting back on my feet. My Chase credit card was not only my lowest balance card, but my lowest credit limit card. And they are the company that I've had the most problems with. In fact, I haven't really had problems with any of the other companies I'm associated with except for Chase. 

I was a card member for something like 17 years, Maybe longer. In all of that time, my credit limit was never increased ( besides when I initiated an increase ) where was my APR ever lowered but I still remained a client of Chase. 

I started having financial problems and my balance hovered around only {$700.00}. 
After a few months of me not being able to pay, understandably Chase close my account. 

The problem is : Chase kept treating and keeps treating my closed account as an open account meaning I still receive emails as if I have an active credit card when my account was closed back in XX/XX/2022. Chase keeps issuing late fees and keeps piling on interest to a card that was closed many months ago. So now my approximately {$700.00} balance is now over {$1000.00}. 

They keep calling every single day.. not one day has gone by where they have not called. 

Chase has already been involved in multiple class action lawsuits where it had to pay out millions of dollars due to harassment or unfair collection practices. I will not be taking advantage of that's why I'm officially filing this complaint. 

To summarize : 1. my balance must be adjusted 2. They need to stop calling my house with harassing phone calls every single day.
Consumer complaint received 2024-08-01
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)

XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX TransUnion : Thank you for deleting some of the accounts which inaccurately appeared on my credit report However, I still firmly dispute the following remaining accounts. These items are still being recorded incorrectly and are severely damaging to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I request that you REINVESTIGATE these accounts and delete them from my credit report. 
XXXX. XXXX XXXX XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you contacted for verification, along with their addresses and phone number so I XXXX check with them as well. 
Regards, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-08-01
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. (MA)

This is extremely frustrating, I found unauthorized transactions/accounts being done under my name. I never benefitted from these items that have resulted from fraud being reported on my credit report. These have been already reported to FTC but they still appear on my report.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$840.00} XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-01
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. (PA)

XXXX XXXX XXXX XXXX, ( XXXX ), XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 personal line of credit opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the acct number ( XXXX ), a XXXX Credit card opened XX/XX/XXXX acct ( XXXX ), A XXXX  XXXX XXXX XXXX XXXX credit card opened XX/XX/XXXX acct ( XXXX ), A XXXX  XXXX XXXX XXXX XXXX Credit card opened on XX/XX/XXXX Acct ( XXXX ), A XXXX  XXXX credit card opened on XX/XX/XXXX Account XXXX, a XXXX Credit card open on XX/XX/XXXX Account XXXX, a XXXX Credit card opend on XX/XX/XXXX account XXXX, a line of line of Credit with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account XXXX And US Bankruptcy opened XX/XX/XXXX Reference ID XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries showing on my consumer credit report 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 reference number : XXXX, and reference number : XXXX as 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00}
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (FL)

I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/year> XXXX XXXX XXXX  ( XXXX ) Account XXXX : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately.

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Consumer complaint received 2022-09-02
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX, XXXX XXXX XXXX Account # starting with 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 an account without my written consent or instructions.
Consumer complaint received 2024-08-01
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-07-31
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. (NV)

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. 

1. 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 2024-08-01
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)

DELETE ADDRESSES XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX GA, XXXX DELETE CREDIT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-29
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. (NJ)

XXXX  signature - was not able to make payments on line using my XXXX account - spoke with gentleman and he didn't understand why the website was not accepting my payments. 
He said keep trying or try to pay with another card, which is not possible. It's still not working. I thought what kind of bank is this? Months later I get a call to make a payment over the phone, I refused. I'm XXXX and I figured it was a scam. 
Yesterday, this bank magically appeared on Experian, but not the other reporting companies, as a charge off. Now I am being turned down for my XXXX Mortgage. My XXXX XXXX is over XXXX on the other credit companies and Experian has me at XXXX. 

Then, I heard XXXX  bank was shut down. Now over a year later, no mail from them or any communication.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

In XXXX of XXXX, I submitted my first student loan payment through Ed Financial Services using their online payment tool. I made a one-time payment of {$500.00} and it covered my XXXX and XXXX payments. On that day, I received payment confirmation of the {$500.00} via email. On the next business day, I received an additional payment confirmation email for {$500.00}. When I checked my bank account, EdFinancial Services did in fact take the {$500.00} payment twice. I contacted their customer service number and explained the situation. The customer service rep ensured me that they requested a refund of the {$500.00} from their financial dept. on XX/XX/XXXX. The rep also stated that they did not have a specific time frame for when that refund would process. I waited 4 weeks. I called EdFinancial back on XX/XX/XXXX and inquired about the status of the refund. After being on hold for 25 minutes, they determined that the original refund request did not " go through ''. I let them know that this overcharge to my bank account was their fault, not mine at that I was now behind in other monthly expenses. The customer service rep specified that they were entering an " emergency refund request '' and apologized for the delay on the original request. They still informed me that they could NOT give me a timeframe or any way to follow up with the department that handles refunds. On XX/XX/XXXX, still no refund. I call customer service and request to speak with a supervisor. They stated that one would call me back in 24-48 hours. They called me back when I was at work and could not answer the call. I repeated this process about 2 more times, each time the call back coming through at a random time the next day and not where I could answer. My XX/XX/XXXX statement was also showing that they had already refunded the overpayment in XXXX... .that never happened. It is now XX/XX/XXXX and I still have not received the refund of {$500.00} that THEY mistakenly took from my bank account. I am XXXX XXXX XXXX and have never experienced this type of financial business model where the financial institution mistakenly takes more money from the customer than what was agreed to, then tells the customer that they can " give no time frame for when that refund will be processed '' AND not give the customer any way to follow up, AND show on a financial statement that the refund has processed WHEN IT HAS NOT! It has been three months and I have still not received my refund that is due to me. This absolutely does not help any type of customer confidence moving forward.