davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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 am now requesting proof of the previous investigation in regards of late payment on XX/XX/2024. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank keeps not answering w simple questions XXXXWhat was the balance in my bank account when it was closed XXXXWhat was the exact amount of the charge off. 

There not answering these questions because they know if they did provide me with those amounts it will reflect XXXX $ refund that XXXX did refund XXXX $ refund that XXXX did refund I call on a recorded line I clearly tell the customer service these refunds were fraud and that XXXX can't recover any money once it's sent to bank.XXXX is sending valid proof with transactions numbers I tell customer service this they say they can't use that information.She also looks at a second screen as she stated and seen the the refunds were applied to a negative balance I told her I need to report them to fraud department so they could investigate she said no there's nothing I can do it automatic the computer decides to return the money or apply it to account.Chase keeps denying it saying over and over nothing was applied to account then why aren't they providing the answers to the XXXX questions above they keep referring to another case that was resolved has nothing to do with these Transactions the burden of proof that there's was no refunds is yet to be determined send me the answers to the XXXX questions because I can dispute any inaccurate information sent to a charge off why aren't you guys giving me the only answer I need is the answer to the w questions if you don't provide them I will keep opening these cfpb complaints.I have the right to know the answer I been asking over and over.You guys will not provide it because it will prove what I was saying about you guys allowing customers to put in claims take from businesses and keep merchandise XXXX is out of this they refunded it's up to you guys to Investigate this as I said back when the XXXX dollars was refunded I tried back then I was told nothing can post to the account it will be returned yet another XXXX is missing and applied to a recovery account with transactions chase told me I couldn't report as fraud XXXX closed the case and refunded money to chase so there out of it I will keep putting in complaints until that money is found and returned to XXXX so I can do as I promised and return it to the business stop responding with the XXXX that issues has been resolved this has nothing to do with that the XXXX questions is will prove everything answer them. If not I will keep filing with cfpb until I get answers read the attached document investigate I don't care if it takes months I want answers that money went to your bank and XXXX provide hard evidence that u guys recieved it stop being lazy and do a proper Investigation and answer only the XXXX questions once u answer that calculate the closer balance and charge off balance then give me the answer and return that money back to the business
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation (PA)

I have fell victim of Identity Theft. The accounts listed were aim by some hacker opening up accounts for some time using the dark web. Affecting my credit score and cause LATE PAYMENTS. I have not authorized these accounts and don't take responsibility for these accounts. I am expecting immediate removal of these accounts expeditiously
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

My problem is back in XX/XX/XXXX Factual Data ran three separate hard inquiries three separate times in the same month of XX/XX/XXXX for me to try to qualify for a mortgage through XXXX XXXX. 

What happened is I now have a total of nine inquiries ( 3 per bureau ) instead of them being considered as one inquiry per Buereau which artificially inflates the quantity of inquiries by 9 overall instead of one time per bureau for a total of 9 inquiries.

So I keep getting denied credit for a mortgage or credit cards for having to many inquiries. 

On XXXX XXXX, XXXX our home was damaged by the tornado on that date in XXXX TX and we needed the loan for repairs. 

XXXX XXXX required a middle FICO score minimum of 680 and I had a 679 and they refused to waive the one point. They insisted these hard inquiries would be considered as one hard inquiry per Bureau. 

So our home almost a year later remains unrepaired because I still can't qualify due to the amount of inquiries and they say they can't ( wont ) request the correction. 

Factual Data tells me they won't request a correction either. The pulls are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Please help as our livingroom exterior wall and roof are exposed to the elements ( roof is tarped ) and I can't qualify for the financial resources for repairs.

Appreciate anything you can do for Factual Data to do the right thing. The reason for pulls given by Factual Data in my credit reports is only listed purpose as for a mortgage to only XXXX for all 3 times but XXXX  counts them as 3 times, not one anyway.

Factual Data listed the pulls for the other two bureaus as Miscellaneous Rplg. Agencies. Not as being for a mortgage.

Please Help. We suffered in the home with 8 degree Temps during the recent Freeze.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, & Equifax continue to report 2 bankruptcies that they claim to have verified but this is not true the vendor they use known as XXXX stated that the bankruptcies were removed due to them not verifying the information. This is my final attempt to get each consumer agency to turn over the proof they have or remove both of these bankruptcies failure to do so this is legal notice needed by the courts to let you know I will be pursuing my claims in court.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never informed about. I have serious doubts about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and ask that you provide the necessary validation and address this matter.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I noticed my score dropped significantly ( XXXX points ) last week XXXX week of XX/XX/2024 with Equifax. When I looked at my profile there was a name I don't recognize and never used ( XXXX XXXX XXXX ). 
There were also XXXX address ( XXXX in XXXX  and another in the XXXX ) that I didn't recognize. I have never lived or worked in the XXXX. 
I submitted a report explaining this. I now see the addresses appear to be removed but the name, XXXX XXXX XXXX is still there. 
I want this name and the addresses if still there, removed immediately.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

According to federal law, as a consumer I AM ABLE TO OPT OUT OF sharing my nonpublic personal information and Macys must give me that option. Macys failed to do so. Macys CBNA Credit Card Agreement wasn't clear, concise, or reasonable for me to understand. There is no such law that states anything needs to be reported to anyone. Congress declared that consumer reporting agencies have ASSUMED their roles. 
15 USC 1681 SECTION 602 A. States I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish an account without MY WRITTEN INSTRUCTIONS.

15 USC 6801 Protection of non-public personal information States each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information Confidentiality : The legal and ethical duty to keep certain information secret and not disclose it to others without proper authorization. Confidentiality is a fundamental principle in various areas of law, especially consumer transactions. Breach of confidentiality can result in legal consequences and is governed by specific laws and regulations. The obligation to maintain confidentiality is critical to preserving privacy and trust in professional relationships and business transactions. 

Furthermore this account is incomplete, inaccurate, and missing data which further violates the FCRA.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

I had a Commenity credit card that I payed off the balance and closed in 2021. The company XXXX XXXX insists that I owe {$210.00} that I need to pay. Commenity can not " find '' my account because it's closed. Yet I am still getting emails and calls from XXXX XXXX insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to Commenity and they now own that debt ). Attempts at clearing this up with both companies ( Commenity and XXXX  XXXX ) have not accomplished anything. Please help.
Consumer complaint received 2024-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/year> I went to XXXX to see if I can get a used car, they sent my iformation to 6 companies without my consent, one of them was capital one who states that I have opened a new account with them and I never consented to opening a spending account, i have reached out to this company and they said i have to speak to the credit bureau. XXXX XXXXXXXX never asked me or advised me that they will send my information to other companies which now they all have done hard inquiries to my credit and it has droped significally
Consumer complaint received 2024-07-04
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. (GA)

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 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2023 I contacted TransUnion about a dispute on XXXX XXXX account # XXXX for {$760.00}. They responded saying that it was verified as accurate when I asked them for the proof they told me they told me they can't mail me the documents. 

As well as today I contacted them XX/XX/2023 about 12 hard inquiries on my account that I have no knowledge of haven't given any of these companies any consent to run my credit and have done no business with them the accounts are as followed.. 

XXXX XXXX  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 XXXX This is the list of hard inquiries that I have no knowledge of nor any business with any of these companies nor gave them consent to run my credit in any way please remove these accounts from my credit report ASAP.. 

I have tried to have these removed multiple times and they refuse.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX acct # XXXX {$17000.00} In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The credit bureau stated that my account was properly investigated but how is that possible when no prove of my signature was sent me in regards to this company. Also the account opening dates are inaccurate. This is grounds for removal they also violated my rights under 15 U S C 1681 Section 602 states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish a account without my written consent.

Also states that this item was sold to another company, in which I still have no proven obligation to.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date XXXX XXXX : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing this dispute because I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I see a lot of inaccuracies on my credit report after reviewing it. I am verifying that this is me who is disputing these items. I need this removed asap.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WY)

They just increased the interest rate to an exorbitant amount, and now they want to charge {$1.00} per month to send out a paper bill! 
I have had numerous occasions where items that I have returned, have not been credited back to my account, so I like to hold the paper bill in my hand and look at it to see the charges! 
What about the people older than I am, that dont have a computer or use one?
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, XXXX  - XXXX, XXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - 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 "