davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX IDENTITY Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.
Consumer complaint received 2024-01-04
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)

XXXX, Equifax and XXXX are reporting a XXXX inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the bankruptcy court. The XXXX  information is as follows : XXXX XXXX XXXX XXXX XXXX  {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I contacted XXXX XXXX XXXXXXXX XXXX was told the Court Never releases XXXX  information to the public, nor does it report to CRAs. I was personally told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and These CRAs are violating my right to privacy. I have never given these CRAs consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The bankruptcy information is as follows : XXXX XXXX XXXX : XXXX, {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete this information now.
Consumer complaint received 2024-04-09
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. (OK)

Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to formally dispute TransUnion 's reporting of an account that violates both my rights under the Fair Credit Reporting Act ( FCRA ) and state law in Oklahoma. 
TransUnion has reported an account from XXXX XXXX  XXXX, which is related to a purported debt to XXXX XXXX XXXX XXXX XXXX. This account was allegedly opened on XX/XX/XXXX. However, this debt falls under the Oklahoma statute of limitations on oral contracts, which is three years. As such, this debt should not be legally collectible nor reported. 
I have explicitly disputed this account with TransUnion, meeting the FCRA requirements for reporting accuracy. Despite this, TransUnion has not taken appropriate action to investigate and correct this erroneous reporting. This failure to comply with the FCRA and Oklahoma state law constitutes a violation of my consumer rights. 
I request that TransUnion promptly and indefinitely remove this account from my credit report. Failure to do so will result in escalation of this matter to the Oklahoma Attorney General 's office, as I have consulted legal counsel and have been advised of my rights in this matter. 
Please find the details of the account in question below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Reported by : XXXX XXXX XXXX Account Status : Open Date Reported : XX/XX/XXXX Balance {$180.00} Highest Balance {$180.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I appreciate your prompt attention to this matter and look forward to a resolution in accordance with the law.
Consumer complaint received 2024-04-09
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. (KY)

Transunion is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX XXXX account number # XXXX was received from IRS. Transunion is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a third party or credit. Reporting income is not accurate ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (TX)

I dispute the debt claimed by Chase Auto Finance and have requested validation of the debt. Despite my requests, Chase Auto Finance has failed to provide the necessary validation, which is a violation of the TILA and FDCPA. In order to resolve this matter, I am requesting that Chase Auto Finance provide me with the following documentation : a signed invoice and a copy of the contract signed by both parties, binding both parties, as well as verification of the debt from their actual accounting. 
Additionally, I reserve all of my lawful rights without prejudice and do not accept any contract unless it meets the four essential conditions for a legally binding contract, which are full disclosure, equal consideration, lawful terms and conditions, and the wet ink signatures of both parties. 
I am willing to pay any alleged financial obligations that I may lawfully owe, but only if Chase Auto Finance provides the required documentation and meets the essential conditions for a lawful contract in compliance with all applicable laws and regulations.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (TX)

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, 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 2024-04-09
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 recently reviewed my consumer report and I noticed a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My checking account, savings account, and XXXX credit cards from chase ( XXXX and XXXX ) were abruptly closed without any explanation from the bank. I tried going to a local branch and they said they could not help find out, and I also called chase, got redirected to many different divisions with the final answer being that " no one I can talk to can ever tell me why my accounts were closed, other than upon further inspection we can not continue banking with you ''. I have over {$3000.00} points in my ultimate rewards portal that can be used towards travel, and now I am forced to spend them all within the next 30 days, that is if they don't suddenly take them away prematurely too.
Consumer complaint received 2018-08-05
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. (IL)

On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report from XXXX  XXXX XXXX XXXX. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent 5 certified letters U.S.P.S Postage mail to this Reporting Agency over the course of a year. Ive disputed these same items 19 times & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US XXXX district Courthouse & their response which I can provide is that they do not report any activity with credit bureaus. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Equifax report and not any other bureaus.
Consumer complaint received 2023-01-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received an alert from XXXX XXXX on XX/XX/XXXX, informing me that Transunion is now reporting inaccurate information on my credit report regarding a current open dispute with XXXX XXXX  XXXX XXXX XXXX. They have now changed the negative reporting from XX/XX/XXXX to XX/XX/XXXX which is also inaccurate. My account was paid off in full with XXXX XXXX  XXXX XXXX on XX/XX/XXXX to a {$0.00} balance. There was never no late payment on my account. Attached is the information received from credit karma and the last billing statement from XX/XX/XXXX that showed balance was paid off in full and no balance was due for XXXX and thereafter. Please investigate and review.
Consumer complaint received 2023-04-26
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

Dear sir, Last night, about XXXX XXXX on XX/XX/XXXX of 2023, I opened the Chase bank account website to check the status of my fraud claim, since your company sent me an email to notify me the update of alert and message regarding this persisting issue. However, I found out there was no alert or anything in the message column of your company bank website. Since I had been exhausted with many persisting issues regarding frauds, I would like you to asking to stop these kinds of mails sending to me and other customers, who have similar issues. 

Sincerely,
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-26
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

On XXXX of 2018 My XXXX XXXX was wrecked and totaled. At the time my account had a balance. Prior to my due date my insurance company sent a check of XXXX for payoff of my vehicle. 

There is still a shortage on the account and a gap claim has been filed. I am awaiting for them to send the payment over Per my insurance company it has already been sent. 

However even with the shortage the check of XXXX should have counted towards my payments there is no way Chase should be placing late marks on my credit they just placed one today
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.
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: Experian Information Solutions Inc. (MS)

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 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation