davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (AL)

We tried to get help from Titlemax due to our financial situation. Titlemax didnt care about anything but the money. We submitted documents showing the repairs for our vehicle and pleaded for help. They ignored our pleas. We had the option to get our vehicle ( that was in the shop from XX/XX/XXXX to XX/XX/XXXX ) out of the shop or pay it towards our loan. We chose to get the vehicle out of the shop so my husband would be able to go to work. We got it out XX/XX/XXXX and my husband was able to get right to work. We made several payments as soon as we could, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were made towards the loans, because we had the vehicle needed for work, to transport my husbands tools. XX/XX/XXXX just after XXXX our vehicle was being repoedthey tore up our grass and tried to cover it up. They did allow us to grab some things, we needed, such as our tools, from it before leaving with it. We have a hum device that was connected to the vehicle. The hum is connected to our XXXX account, which shows location of the vehicle. This hum should have been with our property when we went to pick it up. It wasnt there. They stated nothing was in the vehicle but there was personal front tag, head rest hooks, a bunch of change, phone chargers and out XXXX! The last location of our hum and vehicle was where they auction d it off!! We want our property!! I have attached photos of the vehicle location after they repoed it. This is from our hum device. If more hum records needed, we will gladly provide them.
Consumer complaint received 2023-12-04
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I purchased 2 one-way flight tickets to depart on XX/XX/XXXX from XXXX XXXX . On XX/XX/XXXX, XXXX XXXX canceled the flight and re-booked the flight for the day after, XX/XX/XXXX. I contacted XXXX XXXX multiple times requesting a refund and they refused each time, and stopped replying to me. 

I contacted Chase Sapphire Reserve customer service on XX/XX/XXXX to file a dispute, but the representative recorded inaccurate information on my claim which led to the dispute being deined. He stated that XXXX XXXX has a policy to refund customers, which is not true. 

According to the US Department of Transportation, consumers are entitled to a refund if the airline significantly delays a flight : " Schedule Change/Significant Delay - A consumer is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the consumer chooses not to travel. '' I called Chase Sapphire Reserve customer service again on XX/XX/XXXX and was notified that my original claim was closed due to the previous agent 's inaccurate notes. 

Chase Claim # XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-12-03
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-03-28
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. (TX)

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 3rd party. They in fact did not come from a 3rd 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 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Greeting Team, LLC DBA Customer Care Global (CO)

On XX/XX/XXXX I received an e-mail that looked fraudulent from : XXXX. I looked up the company from a regular source about the e-mail. It took a bit to find me but confirmed that a personal loan was taken out in my name and XXXX. The address however is not my home address and the bank they sent the money to is not a business I bank with. I also don't take out personal since I have other means to take out money. 
the e-mail stated that " You opened a consumer Loan with XXXX XXXX. As of XX/XX/XXXX you owed XXXX '' which I have not. 
I have not heard anything additional from the company and I am concerned that additional loans will be taken out in my name and that this company will try and collect a debt that is not mine.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form 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 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 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 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
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A XXXX XXXX account is showing updated on my credit profile constantly updating the information from 180 days late to 120 days late and I do not own this account I would like it removed immediately from my credit report
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XX/XX/XXXX, I called equifax several of times about an on-going disputed related issue with the a company name XXXX XXXX XXXX Account XXXX XXXX. They have been reporting a 30 day late payment in XX/XX/XXXX. Which this is account was never late, the payments was made automated from bank account which I provided proof. Also, credit acceptance contacted me and agreed to corrected this action. I also, I have a letter that was sent to me in mail from this company in the dispute department I have sent this equifax this information and they havent fix this issue. Instead my payment history is not being reflected at all.
Consumer complaint received 2023-09-22
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: OneMain Finance Corporation (CA)

XX/XX/XXXXXXXX  while checking my most recent credit report, I noticed 7 hard credit inquiries, One Main Personal Loan Companies XXXX One Main Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, 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. I am attaching copies of all letters sent below.
Consumer complaint received 2018-12-21
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: ProCollect, Inc. (CT)

On XX/XX/2018 a letter from XXXX XXXX which holds my Home Equity Line of Credit was sent to me saying that my funds were no longer available due to a report to the credit agency XXXX. I went to withdraw money for home improvements on XX/XX/XXXX, however I had not opened the letter from the bank at that time. I was denied access to my loan. I came home checked my credit report and there was a collection notice from Pro Collect Inc. of XXXX Texas in the amount of {$1000.00}. This amount is related to a judgement for a relative with the same last name and address as mine. Pro Collect has no documentation of any judgement against me because there isn't any. The amount matches the judgement amount for my relative. I called Pro Collect on XX/XX/18 and they refused to work with me. I have sent them a certified letter on XX/XX/18 telling them to remove this false report on my credit. I have also sent letters to all the credit reporting agencies on the same date. I made a dispute online with the credit agencies on XX/XX/18.
Consumer complaint received 2023-11-08
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. (LA)

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 2023-03-22
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)

I have been disputing this account one experian for years. It has been opened and closed fraudulently. I sent in a few affidavits to experian and they dont do anything about it. They just say XXXX XXXX claims this account is valid but they dont send any documents or proof that this account does belong to me. I spoke with XXXX XXXX and they really dont have the best customer service I called and they were ready to do an investigation with the account that popped up and I didnt even give her any of my information yet. It took about 3-4 times for her to understand I was calling on an account that was listed on my credit. I then asked if this account is verified why havent I receive any documents or proof? The information she provided to me ie : address email etc didnt belong to me and never belonged to me. I have given them my new information for the investigation and now Im worried theyre going to try to change the information just to say the account belongs to me. Mind you they have been removed from my other credit bureaus experian is the only one saying theyre saying this acct is valid
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2024 I filed a complaint against Transunion disputing there practices with my credit report. Complaint number XXXX. It was in regards to a public record that was unlawfully showing up onmy crfedit report. Transunions response was that the information is not on my credit file. But i recieved a email that the information was verified. Then transunion is stopping me from viewing my credit report to see if the information appears or not. I have provided the screenshot of them saying thge information is not on there then saying the information was verified. The information should have been removed. I can not tell if it has or not. If it has not been removed we will move forward with litigation.
Consumer complaint received 2024-02-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

i bought a XXXX  gift card with XXXX dollars on it and when i went to use it, it said my transaction was declined so i went to the website to check my balance and it said this card did not exist
Consumer complaint received 2024-01-03
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (LA)

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 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 2018-12-21
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported Experian still does not have my correct telephone number and even though I have reported and repaired the number multiple times. XXXX is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!
Consumer complaint received 2023-11-29
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-28
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. (FL)

I am writing to file another complaint against Experian concerning the results of the recent dispute reinvestigation conducted on my credit file pertaining to the account with XXXX XXXX XXXX, account number # XXXX. This complaint is in reference to the previous CPFB complaints filed under the numbers XXXX. 

I am deeply concerned about the lack of resolution and the persistence of inaccuracies, incompleteness, and errors within my credit report, despite Experian 's verification of the disputed account. It is evident that the reasonable procedures required by law to ensure the maximum possible accuracy of consumer reports, as mandated by U.S. Code 1681e ( b ), have not been adequately followed.

Specifically, I would like to address the discrepancy regarding the " Last payment made '' on the account. The information provided by Experian states that the last payment was made in XX/XX/year>. However, the report also indicates that the account status for XXXX and XX/XX/year> is listed as " CURRENT. '' This inconsistency raises significant concerns about the accuracy of the reported information. If the " Last payment made '' was indeed in XX/XX/year>, then it logically follows that the account status for XXXX and XX/XX/year> should not be reported as " CURRENT. '' There is a clear contradiction here, and it is imperative that Experian rectifies this error promptly. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is obligated to promptly delete or modify that information from the consumer 's file. Despite my efforts to dispute and bring attention to the inaccuracies in my credit report, Experian has failed to take appropriate corrective action. 

In the recent dispute results investigation, Experian 's response focused solely on superficial aspects while completely disregarding the substantive issue of the inaccurate payment history/last payment made. This is unacceptable and does not meet the standards mandated by law. 

As a consumer, I have a right to accurate and reliable credit reporting, and I expect Experian to fulfill its legal obligations under the FCRA. Therefore, I urge the Consumer Financial Protection Bureau to intervene and compel Experian to take immediate corrective action to rectify the inaccuracies in my credit report. 


I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution