davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute your agencys refusal to update my personal information and denial of my right to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ). 
Personal Information Update Refusal XXXX, I submitted a request to update my personal information on my credit report, including [ list specific information that needed updating, such as current address, name, date of birth, etc. ]. However, despite providing all necessary documentation and verifying my identity as required, my request has been unjustifiably denied. 
Under the FCRA, specifically 15 U.S.C. 1681g ( a ), I am entitled to have accurate information on my credit report. It is crucial that my personal information is correct and up to date to avoid any inaccuracies that could negatively impact my credit standing. 
Denial of Access to Consumer Report Furthermore, on XX/XX/year>, I requested a copy of my consumer report to review the information currently reported by your agency. I have been unjustly denied access to my consumer report, which is a violation of my rights under the FCRA. According to 15 U.S.C. 1681g, I am entitled to a free annual copy of my credit report, as well as access to my report whenever inaccuracies or identity theft are suspected.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Easier Funding, LLC (FL)

I am writing to file a formal complaint against " 60 Day Credit Repair '' for deceptive and misleading practices related to a credit repair service I signed up for in XX/XX/year>. 

I was promised by " 60 Day Credit Repair '' that they would assist in collectively increasing my credit score by 100 points within 90 days or longer. They also assured me that certain negative items could be, and most likely would be, removed from my credit report. However, after the 90-day period, none of these promises were fulfilledno items were removed from my credit report.

After the 90 days, I was contacted by " XXXX '' and informed that I owed {$1300.00}. A representative from XXXX explained that since the 100-point increase in my credit score did not happen, the business canceled the contract, and I was responsible for the amount mentioned and all credit repair services were stopped. 

On XX/XX/year>, I discovered that XXXX had reported a new " XXXX XXXX XXXX '' on my credit report with a balance of {$1600.00} which doesn't match the amount originally told to me. I believe I have been scammed and that I was deceived and misled into signing up for this service under false pretenses. The promises made by " 60 Day Credit Repair '' were not fulfilled, and the subsequent actions by " XXXX  '' have only exacerbated the situation, putting my financial future at risk. 

This has come at a particularly critical time, as I am in the process of refinancing my home, and this new entry has the potential to severely impact my ability to close on the refinancing. 

I kindly request the CFPB to investigate this matter and take appropriate action against these businesses to prevent them from causing further harm to consumers. I want this removed from my credit report immediately.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

A card was opened using my information through chase bank in XXXX. I didnt not discover until XXXX. When I attempted to contact chase I was told an investigation would take place. I was never contacted regarding the investigation, I was never able to provide evidence it was not me who opened the account. Chase concluded I was liable for the charges despite never speaking to me during their investigation.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (CA)

Hard Inquiries
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
Finance/Personal                            XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non
specific                                             EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non       EXPERIAN
specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX
Balance
XXXX
Highest Balance XXXX
Opened XXXX XXXX XXXX XXXX XXXX           XXXX
Original Creditor
Name
XXXX XXXX XXXX XXXX
Closed No Info XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

XXXX XXXX
Reported: XXXX XXXX XXXX XXXX- INQUIRY
Closed XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Bankcard
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

i am a victim of identity theft, i have been battling this problem for the last 5 years and it seems that it doesnt want to go away, someone has been using my personal information to obtain goods and services using my personal information, i have reached out to all the credit reporting agencies to report this issiue and it never wants to come off my credit report.i feel that my rights as a consumer has been violated and someone or something needs to happen, i am in despreate nned of help in regards to this matter! enclosed are supporting documenst to support my cliam that i am truly a victim of identity theft!.
Consumer complaint received 2024-09-15
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. (NC)

TransUnion has reported negative information on my credit file fwithout my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither TransUnion nor the reporting agency has provided this documentation. 
XXXXXXXX XXXX {$680.00}, XXXXXXXX XXXX XXXX XXXX  {$3000.00}, XXXX XXXX XXXX {$890.00}, XXXX XXXX {$1600.00} and XXXX XXXX {$410.00} This raises serious concerns about TransUnions compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to TransUnion, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, TransUnion continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.
Consumer complaint received 2024-09-15
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. (AZ)

I mail my third dispute letter XXXX, due to still not having my payments updated as current, all I ever received is it's been verified, with no proof. I requested proof of the previous investigation, I requested records of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late. XXXX XXXX XXXX XXXX ( XXXX ) I asked for third time that you updated my payments to current. I have provided enough proof, that my payments were paid on time, or arrangements have been made do COVID-FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ), and XXXX XXXXXXXX Loan extension FCRCA-FCRA mandates that credit bureaus must report accurate information about a consumer 's credit history, including late payments, which means they can not report a payment as late if it was made on time even with a loan extension. I attached proof of my information. Update my information I will have to seek legal action. I also attached a complaint to the AZ state attorney general ( Consumer complaint ). 

Update the following incorrect information on my credit report. 

XXXX XXXXUpdate as current XXXX and XXXX are current- XXXX XXXX XXXX COVID government law, the coronavirus Aid Relief, and Economic Security Act, passed by congress, addressing the FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ). That the furnisher of data to the consumer reporting agency that allows consumer to defer payments, make partial payments, modify payments should not report the account as delinquent, but should continue reporting it as current. 

XXXXXXXX XXXX XXXX Each month state I'm 30 days late, Common sense I can't be 30 days late each month I can't be 30 days late each month that an error XXXXXXXX XXXXXXXX Both XXXX and XXXX are current, again common sense shows I should also be current for that month I was not late. If I was on time the month before and the month after, XXXXXXXX XXXX XXXX XXXX and XXXX show current how can XX/XX/XXXXXXXX  be late? 

XXXXXXXX XXXX Both again XXXX and XX/XX/XXXX both show as current how can XXXX be late?? 

XXXX XXXX XXXX -I Provided proof I was not late and overpaid for those months and was not late XXXX XXXX XXXX XXXX I overpaid my payments for those months I provided proof. 

XXXXXXXX XXXX  is showing up 60 days late, I was given a loan extension, which should not report late on my credit report as late its the law- I provided proof of loan extension. 

Update my payments as current or I would have to seek legal action, I have additional documents as proof, yet you have not provided me with and proof these payments have been late but keep reporting my credit and damaging and hurting my credit. 

I asked if they can not provide me with information proof of the information within 15/days paid never late and requested updated copy of my credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : 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 ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX ] As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : 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 ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXXXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX ] As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.
Consumer complaint received 2018-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (MS)

I was out of work for a couple of months and I fell behind on a lot of things and my XXXX XXXX loan was one of those things. Now that I'm back to working I've been trying to catch up. So, on Wednesday XX/XX/2018 I received a group text message from a representative from XXXX XXXX by the name of XXXX. The text message stated " This is XXXX form XXXX XXXX. I have to have one full payment today or collections has requested start of legal process for judgement/wage garnishment. Please call me XXXX '' Although, no names were mentioned in this group message we know with today 's technology it's not hard for anyone to find out who the numbers belonged too. I'm not trying to diminish the fact that I owe XXXX XXXX because I'm well aware of that. I do have a major problem with my privacy not being protected. This issue has caused me embarrassment and major XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2024 I received a text from Wells Fargo asking if I recognized a XXXX purchase for over {$200.00}. I responded " NO '', and called the bank. We went over the last time I used the card, the last time I saw/touched the card was at a parking ramp for {$10.00} on XX/XX/XXXX. I was advised by that representative that the card was deactivated and another card would be mailed and I should receive it in XXXX business days. 
XX/XX/XXXX, I noticed more charges on the card for XXXX XXXX station and a smoke shop. I called again and spoke with an elderly lady, very comforting, and confident that it would be taken care of. She noticed the previous representative DID NOT DEACTIVATE THE CARD. She assured me that the notes were all detailed, and it was documented that the card was not in my possession. I felt that the situation would be handled. 
XX/XX/XXXX - The charges are still deducted from my account, I received a XXXX XXXX in the mail and a provisional credit for {$50.00}. Unsure why, so I call Wells Fargo Fraud again. Was transferred to claims. The representative again assured me that it was being taken care of and took XXXX to XXXX business days. The provisional credit was done backwards ( Wells Fargo gave me money for the transactions I said that I recognized instead of the actual fraudulent charges. ) XX/XX/XXXX - Logged on to my account, and the claim was closed - Called and spoke to Representative XXXX, who shared that Wells Fargo denied the claim because the previous representative stated in her notes that the card is in my procession ( which I reported the card lost on XX/XX/XXXX ). I asked to speak to a supervisor or manager and was transferred to XXXX, who was silent for XXXX minutes during the call, I thought the call was disconnected by the amount of silence, I said " hello '' several times, and just proceeded to give my account of the dispute. I don't feel heard as a customer. I feel cheated, and taken advantage of. I need advocacy, and my money back. I am a single working mother and grandmother. I have never used my card at the locations of the fraudulent charges. I reported them in a timely manner.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On the date of XX/XX/XXXX, I transferred a amount of {$7700.00}, from my XXXX XXXX account, to my citizens bank account.. 
I wanted to invest my savings into my cryptocurrency account. Shortly after Conducting a Wire Transfer to my own cryptocurrency account with XXXX I couldnt access my account I contacted the Citizens bank immediately and was told I could go to my local branch and read my funds that were still in the account..when I went to the local branch.. I was told by the teller and bank manager that I could receive any funds from a closed account and they didnt have any other information to give me at that time. Citizens closed my account on XX/XX/2024 with out any reason, and I still have not received a cashier check with the remaining funds nor have I been able to have any success at any citizens bank branch in my local area.
Consumer complaint received 2024-09-15
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. (NY)

Hard inquiries needs to be removed. Trans Union XXXX are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time Im now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from XXXX XXXX  could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. thank you
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX  XXXX XXXX XXXX verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I notice multiple fraudulent hard inquiries which I did not authorize or consent to such as ( state the hard inquiries ) example 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 XX/XX/XXXX XXXX I made a complaint with identitytheft.gov