davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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. (IL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (CA)

Experian is reporting an account that was opened fraudulently. I believe XXXX is corruptly holding me accountable for an account that I have not ever opened. Experian has the identity theft report and they have not removed the account. XXXX is a fraudulent account that I did not authorize
Consumer complaint received 2020-06-03
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: JPMORGAN CHASE & CO. (NY)

I have received a letter from Credit Card Chase who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.
Consumer complaint received 2024-06-05
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. (MO)

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account and removal of late closed on my record, despite this attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open and remove the late closed accounts entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this late open and remove the late closed account : XXXX XXXX XXXX XXXX Balance : {$55.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX  XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens bank manager XXXX called me XX/XX/2023 asking me to come into the store and sign my signature. I have never heard of this and got confused as to why I had to go out of my way to do this. She insisted she had a gift for me in the store and I should come. I still did not understand why because I opened this account over a month ago and signed everything in the store. She then told me that it did not take my electronic signature I do not believe that because my account was opened same day and I went in person. How could it have not taken my signature. Im confused why they are harassing me to do anything that I dont have to. I am the real person and I use my account everyday. Ive never committed fraud so Im confused why they are bothering me. I called her back and told her I would not be coming to sign any papers but I would come to close the account when I can. She accused me of yelling which I did not. Just because XXXX women are assertive does not mean theyre yelling. She said she got scared speaking to me and now I do not wish to go into the bank. I dont have to go sign anything. How about citizens bank stop picking on XXXX people. How about they leave XXXX people alone in XXXX. She threaten to freeze my account for no reason at all. Ive done nothing wrong. I do not need to go out of my way to sign anything with them. When I called them and told them I wanted to close my account she opened my account without my permission and said well you only have XXXX cents and Im also confused what that has to do with anything. Her behavior is disgusting and intolerable.
Consumer complaint received 2024-05-18
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. (LA)

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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-18
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax bureau 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 : US DEPT ED XXXX Balance : {$870.00} US DEPT ED XXXX Balance : {$1200.00} US DEPT ED XXXX Balance : {$2800.00} US DEPT ED XXXX Balance : {$550.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX Balance XXXX {$1100.00}
Consumer complaint received 2024-05-18
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)

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2023-11-30
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)

On XX/XX/XXXX I gave notice to Citibank N.A., that I am revoking my consent that was allowing them to keep all security interest from securitizing all of the derivatives of the accounts associated with the person XXXX. I told them from now on they can not start or continue to securitize any accounts, applications, papers, etc., that have my name XXXX on it. They must cease any securitization immediately. 
I also ordered them to delete all my personal data that they have or ever had or ever used as per Privacy Act of 1974 ( 5 U.S. Code 552a ).

Also I requested to opt out from them to report all of my records to any and all credit bureaus as per 12 CFR 1016.7 and to delete all transmitted records. 
I requested to receive a final communication from them within 30 days that the abovementioned was completed in full. 
No response was ever received.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (HI)

On XX/XX/2023 I called to dispute charges on my account. 
Here are all of the people I spoke to : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX of them could help me complete my task. XXXX gave me the number for the " dispute department '' which was XXXX. 

Then I was transferred by him to XXXX, who said she is a customer service rep in the credit department. 

She transferred me to her supervisor XXXX, who said she is trained in handling disputes. I didn't want to talk to her and wanted her to transfer me directly to the dispute department. She refused several times. 

She hung up and I called the XXXX number and spoke with XXXX XXXX who said she was in the Account Services department and could not process disputes. 

Then she said she would transfer me to her supervisor. After more than XXXX minutes on hold, I spoke with XXXX, a supervisor in the " credit area '' from Florida. 

He was unable to help me, so I asked for his supervisor. He said all of his supervisors were unavailable and that it would take XXXX to XXXX hours for a a supervisor to call me back.
Consumer complaint received 2023-08-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.
Consumer complaint received 2017-09-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (MI)

XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010
Consumer complaint received 2024-06-05
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2024-05-18
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. (MA)

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify this account. Failure to validate this reported account within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX XXXXXXXX* Balance Owed {$110000.00}
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

You have my reports on the companies. Now transunion won't let me get signed in. My phone has four log in names and passwords for transunion. Its a year old. And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they wan na make a buck on what is supposed to be free to all americans. I'm a homeless vet with XXXX and I paid XXXX XXXX for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from XXXX and transunion. XXXX had two mistakes. Transunion and XXXX have 8. And transunion makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping
Consumer complaint received 2023-11-15
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: Experian Information Solutions Inc. (CT)

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 2023-08-24
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. (TX)

I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting.

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX Account Number : XXXX, XXXX. Why are there multiple account numbers? In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. You are also reporting multiple errors and inaccuracies across all bureaus why? should all information match and be 100 % accurate under the FCRA? so you are in violation and I demand this account be delete immediately for violating my consumer rights! under 15 USC 1681n Civil Liability I demand monetary relief! if you are doing this to me you are doing this to multiple consumers.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Missing information, account status shows delinquent accounts, payment history and payments made to this company are not correct. The account shows a history and late payments which belong to another mortgage company. 
The account history and payments made are deceptive and unlawful I never had an account until the date of XX/XX/2024 its impossible to show any payment history prior to that date. 
The loan company is unfair and unethical to use payments made to another lender when account is disputed for errors.
Consumer complaint received 2023-11-30
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: Conn's, Inc. (TX)

Went to cons originally on XX/XX/2023 to inquire about financing furniture at that time a fraudulent act was committed and an inquiry was put on my record that was not removed after speaking with corporate I was contacted and told they would like to resolve the issue as well as give me a discount if I wanted to continue buisness with them so on XX/XX/23 I went in made a purchase the total of the purchase was suppose to be {$2000.00} after discount the contract I received said {$2500.00} I called them immediately as the contract was received via email at this point all I received was an email saying they would credit my account {$100.00} that was XX/XX/XXXX the following day because I was done arguing my case I excepted and moved on which should have brought the loan to {$2.00} XXXX It still does not state that amount and the amount owed isn't correct either and on my credit. The amount from the ledger the online app and on my credit are all different I've made payments XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXXin the amount of XXXX totalling {$430.00}. XXXX and the account is saying my payoff amount is XXXX
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NC)

Made a XXXX XXXX  payment on XXXX XXXX XXXX XXXX on car loan. It was a cash payment with cash box XXXX  and transaction XXXX XXXX that processed on XXXX Monday they have never posted this payment stating its lost and it is now taking over 30 days to correct they reported my account as 60 days late. I made an online payment XXXX XXXX XXXX and that has not posted but left my account I called supervisor XXXX and XXXX and multiple others 12 times and they state they have a ticket open. I have had them make notes I received an email regarding repossession and Im up to date with the Loan but they have not posted my payments to my account I need legal assistance because chase refused to find those payments saying they dont know why they cant see them
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.