davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (MD)

On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX XXXXXXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person.

Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer
Consumer complaint received 2023-11-07
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. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

I contacted Chase about a merchant that no longer was authorized to access my account after several back and forth with Chase they provided a provisional credit. 

Ive banked with Chase for several years. Without an issue Chase authorized and paid the merchant several times after several requests that they stop. Weeks later Chase decides to restrict my account with zero explanation causing my direct deposit and other funds i was expecting to be received in a cashiers check in 10 business days they claim. 

Its XXXX week and my children will have no food and no gifts because Chase is exercising an unethical practice and holding my money hostage without information. 

Ive seen that this is a practice Im seeing more and more frequently while doing my research Chase has no right to restrict and close my account without warning and without explanation. I have a family to feed and bills to pay. Now Im left with nothing. Ill be pursuing legal action in the cpfb can not resolve this but Ill stop at nothing to get it resolved. Chase owes me years of banking fees at this rate this is not how you treat loyal customers.
Consumer complaint received 2024-07-25
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. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Ive been repeatedly harassed by phone calls multiple times a day from Portfolio Recovery Associates , LLC. They are using an attorneys, XXXX XXXX XXXX, XXXX. Ive tried settling this debt with them on multiple occasions. Ive made several payments and they always say they are sending a payment agreement in the mail and I never receive anything. They have tried to garnish my wages on several occasion and I dont make enough for them to do so. They call me multiple times a day on an auto dialer, which they are unlawful in doing so without permission from myself. They can impose up to a {$1500.00} fine, if Im correct. Ive done my part in trying to get this taken care of and the continue to harass me and threaten my job. Something needs to be done. Ive been to court several times with no resolve to this matter. Ive asked for an original purchase agreement from the collections agency, which they have failed to provide.
Consumer complaint received 2024-07-25
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)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-07
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (AZ)

In accordance with the Fair Credit Reporting ActXX/XX/XXXX ; Account : XX/XX/XXXX XXXX - XXXX, Account : XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XX/XX/XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, Account : XXXXXX/XX/XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XX/XX/XXXX( XXXX XXXX XXXX XX/XX/XXXXXXXX Account XXXX XXXX (XX/XX/XXXX XXXX XX/XX/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 an account without my written instructions.
Consumer complaint received 2023-11-07
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. (CA)

On XX/XX/2023, I sent a compliance letter to Experian, XXXX, and XXXX, requesting corrections to my credit report due to being a victim of identity theft. Despite filing and submitting my FTC report to all three bureaus, they have not rectified my credit report. This is impacting my ability to utilize my VA home loan as a recently XXXX XXXX XXXX with a XXXX XXXXXXXX and as an XXXX XXXX. Its causing significant hardship and non-compliance. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in expeditiously removing all negative reporting items from my credit report within the next 72 hours, with USPS receipt proof available.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

When checking my credit report to buy a home, I saw XXXX XXXX XXXX listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the XXXX XXXX representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all. 
This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned XXXX XXXX is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
XXXX XXXX XXXX is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-11-07
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (TX)

I reviewed my Consumer Reports and noticed that I had 25 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account :XX/XX/XXXXXXXX Account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-12-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NM)

I received a {$2000.00} AMEX gift card from my employer I activated it per the instructions and saw that I has the correct balance.

I tried to order some car parts from a US based company called XXXX XXXX which I have used in the past with my normal debit card. 

I went to check out and gift card was declined. I tried two more times ... they were declined too. When I went back to check card balance I saw 3 {$0.00} transactions being held by XXXX XXXX I contacted XXXX XXXX and they said because the order did not go through it must be the card holding the XXXX cents. I called the AMEX Gift card number and was helped by an ( obviously ) overseas agent who said it was a formality and the funds would be returned on XXXX XXXX. 

I tried a different parts company online and the same thing happened. Card was declined. 

I fell AMEX is being deceptive in their advertising and the card is essentially worthless if it can not be used online.
Consumer complaint received 2023-11-07
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. (TX)

I am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action.

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report.

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history.

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Immediate removal of the inaccurate information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account : XXXX XXXX Balance : {$470.00}.
Consumer complaint received 2023-11-07
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. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-03-20
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$460.00}.
Consumer complaint received 2024-07-25
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-07
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. (GA)

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-07-26
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

DEPTEDXXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXX Balance : {$7600.00} US DEPT ED XXXX XXXX : {$5800.00} US DEPT ED XXXX XXXX : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-07
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX