davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a credit card from XXXXXXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023, and XX/XX/2023, XX/XX/2023. There was an error on their part. I was never 30 days late on these dates.
Consumer complaint received 2024-05-29
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)

-- -- -- -- -- -- -- -- 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 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 informationisinaccurate.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

On the date of XX/XX/2023, I opened the Chase checking and saving accounts, and I made two online transactions from my personal XXXX checking to the accounts, with the amount of {$2000.00} and {$16000.00}, respectively. The transactions were rejected so I called for the help on the date of XX/XX/2023. The agent advised me to do the transactions again so that these transactions can be activated on her end when speaking to the Fraud team. I followed her advices and made the transactions again. After that, my call was cut from the agent when she was on holding my call while working with the Fraud team. And I got an email saying that my Chase online account was locked because of these suspicious multiple transitions. Then, I called the Chase fraud team for unlocking my account. However, the agent in the fraud team personally thought that I was suspicious even that I gave him the numbers of two of my credit cards and answered correctly on all the security questions. He initiated the process of closing all my Chase credit cards and accounts. He mentioned that I could never reactivate both of the credit car and checking/saving accounts with the Chase in the future. He was being XXXX when asking me if I was calling from XXXX, and said that I was suspicious because of the accent. I would like to seek for the help to protect my rights and my credit score.
Consumer complaint received 2024-06-06
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. (TN)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still accounts on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information to the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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)

The following accounts should not be reporting on my credit, they are the product of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (SC)

IVE DISPUTE THE ACCOUNT # XXXX XXXX XXXX XXXX XXXX. THAT WAS OPEN IN XXXX XXXX. THE CAR WAS TO BE SELF SURRENDER, NO REPO. SINCE THE CAR HAS BEEN XXXX, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the Credit Bureaus. I submitted a complaint to the Credit Bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA the Credit Bureaus, they are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the Credit Bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the Credit Bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations.
Consumer complaint received 2024-05-29
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 would like to file a complaint against XXXX, Transunion, and XXXX for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. Transunion signed on XX/XX/XXXX stated my dispute was received, XXXX and XXXX signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I made XXXX, XXXX, and Transunion aware of info that was not accurate being reported in my consumer report on XX/XX/2024. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/ 2024 2024
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-29
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-07-09
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. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2024-05-29
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)

Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF XXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX US DEPT OF EDUXXXX XXXX XXXX.
Consumer complaint received 2024-06-22
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. (CA)

There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, XXXX, XXXX, Experian are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe XXXX, XXXX, and Experian have not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of XXXX, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The balance for my mortgage loan through XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for TransUnion and XXXX XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from XXXX XXXX XXXX ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and TransUnion, XXXX, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

TransUnion File ID Number : XXXX XXXX Dispute Number : XXXX
Consumer complaint received 2024-05-29
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)

XX/XX/scrub>XX/XX/2024 Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I filed a complaint in XXXX. They sent me an analysis in XXXX saying that they will refund around {$800.00} for my mortgage insurance they charged me. They refunded the amount but then took it back. My analysis also showed my mortgage payment of {$1200.00} for XXXX, {$1400.00} for XXXX, then when I recently paid for my mortgage for XXXX my payment went up to {$1800.00}. I asked for an explanation and they said they sent me an analysis but I never received it. I sent another message requesting to be sent to me via email so I can look at it asap and have not received a response. I also never received a response to why my refund for my insurance was reversed. It takes them a very long time to respond and keep changing the analysis every single month. I never had this issue with my payments fluctuating and why they keep messing up my escrow. After my first complaint with tue CFBP they said they were going to refund me, which they did, then when the complaint closed, they took the money back.
Consumer complaint received 2024-05-24
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. (AL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX, and Im 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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-22
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. (MD)

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 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 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NJ)

Why do I still have student loans, all the loans are supposed to be forgiven! I have complained over and over about this. The loans originate from XXXX XXXX XXXX and were supposed to be immediately forgiven years ago. I am being treated different and this is not fair per FCRA. Here 's the response that XXXX gave : Dear XXXX XXXX : XXXX has reviewed your complaint made with the Consumer Financial Protection Bureau ( CFPB ) regarding the status of your student loan account. Please note that XXXX places the exceptional discretionary forbearance associated with the submission of a Borrower Defense ( BD ) claim as directed by ED. Our records indicate that as of this writing, XXXX has not received confirmation that you are eligible for further placement of the BD forbearance. For this reason, your account is currently in repayment, and is 55 days past due for a total amount of {$310.00}. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Mondays, XXXX XXXX XXXXXXXX Tuesdays and Wednesdays, or XXXX XXXX XXXX Thursdays and Fridays, XXXX XXXX XXXX. You can also visit XXXX  Sincerely, XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-05-29
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).