davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

Applied and was approved for a Chase XXXX Mastercard in early XXXX XXXX When I received the card, as I am vacationing in XXXX, I used the card in various places. However, on XX/XX/XXXX ; all charges started to get denied with no text message or email warnings that the card was flagged. Tried using the card online at XXXX to pay rent, in person at XXXX XXXX, XXXX and at a grocery store, each time declined. 

When I called the number, I was patched automatically to fraud department which was not even able to open my account on their system. They pulled up someone else 's credit bureau report and asked me questions regarding an unknown person and they could not even authenticate my information or find out what my phone number was while on the phone. Chase said they would call me back Chase said they would probably call me back in 48 hours between XXXX XXXX XXXX XXXX  which is not acceptable as the card is simply not working at all and I was able to use a XXXX XXXXXXXX XXXX  instead
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  continues to open and close my account to reage the original date of deliquency month after month hurting my score. the account was closed with a balance due back in XX/XX/2023 and efforts to resolve the balance were not met by the creditor. I contacted the creditor and asked that late payment be removed to no avail. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. This is seriously effecting my score and continuing to oppress me as an individual. Because of my score ive been denied employment, credit and housing. I would like to ask that late payments be immediately removed from my credit file across all three beaurus.

It is illegal to open and close the account only in an effort to report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I paid off my XXXX XXXXXXXX credit card to a {$0.00} balance. XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXXXXXX, they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX XXXX keeps dropping despite not having any derogatory payments or accounts. For the past 3 to 4 weeks I've been in constant communication with TransUnion which has been an absolute waste of time, TransUnion is unable to specifically tell me the reason why my credit score continues to drop month after month.

When calling in, I've requested to speak to TransUnion 's upper management regarding this ongoing concern, the initial CSR who answers the call explains there is no way for them to transfer me & insist on wanting to see if they may assist, but the conversation always ends up the same, " they are not able to answer why my credit score keeps dropping. '' In conjunction, to add insult to injury, all the Customer Service Representatives ( CSR ) I've conversed with, which have been many, have been absolutely rude, unprofessional & combative, with service such as what I've experienced they have no business talking to people whatsoever. 

Need help with this request, please contact me as soon as possible Thank you
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

I applied for a home equity loan with XXXX XXXX XXXX. I was told I was denied due to a foreclosure within the last 7 years. The adverse action letter I received said the decision was based on information found on the three major credit bureaus. I checked all three bureaus and confirmed there is no foreclosure listed. I called XXXX and was advised that they actually used Lexis/Nexis, but they couldn't provide me any information on how to contact that company. I tried calling Lexis/Nexis, but could not get an actual person to speak with me. I requested a Consumer Disclosure report but it will take 2 weeks to receive, and was not provided with a way to dispute the inaccurate information. I filed XXXX XXXX bankruptcy on XX/XX/XXXX, at which time I surrendered by property, essentially foreclosing on it. Since it has been over 7 years the trade itself no longer shows on my credit bureaus. However, Lexis/Nexis is using a sold date ( I found by looking up the house on XXXX ) of XX/XX/XXXX, which is less than 7 years, and not the date I foreclosed. I need to have this information updated as I am being harmed by their false information.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-17
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-18
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. (MI)

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (OH)

Have a loan with one main financial in there judgment they are responsible for letting consumers know there account was affected I've been asking the csr don't know anything about it so how do I know if my account was affected and owed compensation if the employees don't know about it talk to representatives tonight and nobody knew or heard of the lawsuit or judgment
Consumer complaint received 2024-04-16
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. (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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-04-16
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (MI)

I signed with XXXX XXXX XXXX and paid this far {$5100.00}. I just received an account balance along with a letter stating they are in litigation. I only have in my account XXXX. This is a Total SCAM!!!!! My XXXX XXXX dropped from XXXX to XXXX. I have been trying to call the company and had no response other than a standard response email. 
This is a SCAM
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Mercedes benz financial reported a XXXX delinquent payment on XX/XX/XXXX for XXXX. 
Att he same time the report shows all payments made on time. 
Because of this, my credit has drastically dropped and is preventing my from closing on my first home purchase. 

This is time sensitive or I lose out on the home purchase and all funds invested into his purchase. 

I need this corrected asap.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (MO)

Greetings my name is XXXX XXXX XXXX XXXX and I believe my banking institution has been weaponized by our Missouri Chief officer XXXX XXXX XXXX that has initiated a unlawful acts of abuse and deliberate indifference as I pursued this official of Governor XXXX XXXX in Federal Court and now that he has not only been protected y the Clergy and appointed to our Banking Commerce by Gov XXXX. Now my services with my bank has been retaliatory. 
Count 1..bank fraud : The date would be my last payday XX/XX/2023. I brought a check phsyciallyn in the Regions bank at XXXX and XXXX XXXX XXXX XXXX for the amount of XXXX charge cashing my check. I would cash this check then deposit {$380.00} and take cash on hand in the amounts of {$150.00}. 

There was {$380.00} left in my checking account. I would go on this day making two transactions later from this account as I was given the Regions Bank slip with the amount of {$380.00}, but my lender has tried ample times trying to deliberately entice me to become irrate or enraged by abusing my rights as a banking costumer deliberately freezing my.account after I had already made two transactions with the account earlier in the day to my.cash app.. 

I would still have funds in my account but transactions would be declined right around the time my banking institution was about to close this same day. I called the banking institution? I frequent at that has caused these deliberate problems. The XXXX XXXX Banking attendant would tell me " my account funds were held do to a Checkm, I brought in to there business this day and deposit this same day, XX/XX/2023. This is false and a absuive tactic these employees were given direction to perform from what I believe is directly from the top as I never deposited any check this day. I only cashed a check, deposited {$380.00} and took home {$150.00} XXXX was a check, I cashed then deposited {$380.00} as I was given the PD SLIP- XXXX XXXX # XXXX XXXX # XXXX DA XXXX XXXX XXXX {$380.00}. 

There were still funds in my account this lender 's fraud would obstruct not to be use by causation caused by this lender employee trying to deliberately entice or anger this costumer so he appears a certain way fighting against corrupt officials appointed by Governor XXXX XXXX. It did not place any fear in me! I am coming after XXXX XXXX XXXX XXXX! Respectfully! Especially for these type.of stunts weaponzing agencies and businesses with these absuive tactics. Please let him and them know? THIS IGNITED THAT FIGHT AGAINST HIM!
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: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
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. (IL)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with TransUnion, XXXX, and XXXX and have yet to receive notice of an opened investigation.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (WI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
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)

Upon reviewing my credit report, I discovered a fraudulent collection account listed on my Experian, XXXX, and XXXX reports, as well as on XXXX. This misinformation is significantly impacting my credit score, hindering my job prospects, and impeding my ability to secure a car loan. I urgently require immediate resolution of this matter. Removal of collection and correction of balances, removal of XXXX
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (WI)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-15
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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
Consumer complaint received 2024-07-01
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.