davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX AP ) Balance : {$10000.00} XXXX XXXX  XX/XX/2023.
Consumer complaint received 2023-07-17
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. (NY)

There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house
Consumer complaint received 2023-07-14
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. (TN)

Previously, I sent a complaints requesting that you 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, you have failed to respond to my request and there is no response I receive. 
XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On my XXXX XXXX credit history report, I see an un recognized credit inquiry. XXXX uses transunion service. and unrecgnized inquiry is from XXXX XXXX. 

First I reached XXXX XXXX, they asked to reach transaunion. Transunion helped me freeze my credit history so no one can use it. But they want me to raise a fraud report. And mail them the XXXX number so that they can remove the fraudlent credit check from my credit history.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (NY)

I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

On sunday XX/XX/XXXX I purchased equipment from XXXX XXXX I wrote hi a check for XXXX made out to cash. That evening his mother attempted to deposit it via mobile deposit. On Monday around XXXX XXXX XXXX up to my business saying the check was bad. So we both went to the bank, we approached the teller together, he explained the check did not deposit, the teller said it was due to it being made out to cash. I asked the teller if the check was voided- she said the check was voided, she also printed off a screen shot of my account and showed me where the check was pending, but would not settle in his account. Therefore I wrote XXXX a second XXXX check, which was cashed on the spot. A day later the initial check # XXXX was withdrawn from my account- I immediately disputed the charge- and the bank told me it was my responsibility to recover the funds from XXXX. Both the teller that submitted the dispute ( different from the teller that assured me the check was voided ) and the branch manger XXXX XXXX agreed the teller was at XXXX but both through their hands in the air. I have contacted my local sheriff 's office to begin a formal investigation process. I have banked with chase for XXXX years, both personal and business ; it baffles me how they have handled this situation.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Customer service XXXX XXXX department XXXX XXXX XXXX XXXX Ohio XXXX Dear XXXX XXXX XXXX XXXX, I am writing to address a recent issue regarding a late payment on my XXXX XXXX XXXX XXXX. I apologize for the inconvenience and want to provide context for the delay in payment. 
Unfortunately, my XXXX XXXX Bank account was flagged and hacked, which prompted me to take immediate action to secure my finances. As a result, I had no choice but to close the compromised account and open a new one with XXXX XXXX Bank. During this process, I was assured by XXXX XXXX Bank representatives that my direct deposits, including payments to XXXX XXXX XXXX, would seamlessly transition to the new account for the next XXXX months. 
However, it has come to my attention that this transition did not occur as expected, resulting in a delay in the processing of my payment to XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for ensuring that my financial obligations are met promptly. 
I want to assure you that steps have been taken to rectify this situation, including updating my payment information with XXXX XXXX Bank and setting up automatic payments to avoid any future delays. 
I value my relationship with XXXX XXXX XXXX and am committed to maintaining a positive payment history. I appreciate your understanding and cooperation in resolving this matter promptly. If there are any additional steps I need to take or if you require further information, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I deposited {$1000.00} from my XXXX Brokerage Account into my Chase Checking account. I use my Chase checking account to pay normal monthly bills an expenses and generally have a portion of my pay direct deposited. This month, because we moved and the vendors we used for moving and home organizing had to be paid by debit card and XXXX, I spent more from this account than usual. To remedy that, I deposited {$1000.00} from my money market account held with XXXX. I did this through mobile deposit which Chase accepted. They then proceeded to place a hold on the funds until XX/XX/2022 for the stated reason that XXXX does not honor checks in their experience. This was false. In fact, by XXXX on XX/XX/2022 ( the next business day ) the check was cleared. Chase is still refusing to release the hold. I have contacted customer service twice and they are denying they have received the funds ( that is false since I know for a fact if the money has already cleared my XXXX account, the federal reserve has already released the money to Chase ).
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

several of my loans have been paid in full ; however Mohela has not updated my credit report since XX/XX/2022. {$41000.00} is actually paid in full. I need Mohela to update my credit report ASAP.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC (NV)

SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX sending me a collection notice for the amount of {$4100.00} account XXXX XXXX I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.
Consumer complaint received 2023-07-25
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. (GA)

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 2023-12-27
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: CITIBANK, N.A. (GA)

I called Citibank two days before XXXX XX/XX/2023 to complain about a series of almost daily charges made showing payment to XXXX that I did not authorize. I allowed my son to use the credit card to get gas in his car and fast food on occasion. He apparently without my knowledge signed up for some online gaming site that turned out what may be a Russian scam operation. Once they got my credit card information, that repeatedly made charges to the card. I called Citibank and was told that the card was cancelled and that no further charges would be posted to the account after it was closed supposedly on XX/XX/2023. Despite my best efforts to have the card cancelled I kept seeing new charges posted to the credit card after I believed the account had been closed. The lady on XX/XX/2023 told me I would receive a new credit card with a new account number in a plain white envelope in about 10 days. I immediatly cut the credit card into tiny pieces and threw it away. When I kept seeing new charges posted to the account I called CitiBank again the first week in XXXX and tried to find out what was going on. The fraud department did not seem to have record of the first call in their system. I explained what had happened and that I should have no responsibility for any charges after my first call to Citibank on XX/XX/2023. I was told that since my son did apparently sign up for this Russian game that I would have liability for the XXXX charges. I told them that no services were provided and that the entity placing the charges was a scam operation. It appeared to me that Citibank was in some conspiracy with the creditor placing the charges against me. I have impeccable credit and went ahead and paid the bill in its entirety in dispute to keep my excellent credit. I received a letter today from Citibank that they contend the dispute is now closed and threatening to report my account as past due to the credit reporting agencies if the debt was not paid ( which I had already paid in full under protest ).
Consumer complaint received 2024-03-16
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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. My information is being furnished to third parties who are non affiliates of XXXX XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that 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 nonpublic personal information.I am now aware that XXXX XXXX XXXX XXXX XXXX  are furnishing my information to credit agencies. XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I did not consent, agree, or give instructions to XXXX XXXXXXXX XXXX to give my information to credit agencies the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information nor my written consent. Any and all authorization to XXXX and Experian, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX, never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of XXXX XXXX XXXX XXXX XXXX XXXX reporting services.
Consumer complaint received 2024-03-16
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: Experian Information Solutions Inc. (MI)

I submitted a notarized affidavit of account validation to Experian via certified mail. XXXX XXXX, 2024 Experian returned with competed investigation XX/XX/2024 via email. 
Today I just submitted a notarized affidavit for method of verification via certified mail XX/XX/2024 XXXX
Consumer complaint received 2024-03-16
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. (MD)

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.

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 2023-05-20
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. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and anxiety due to the fact that it taints my character as a consumer.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, the consumer.
Consumer complaint received 2024-03-16
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: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

In checking my XXXX XXXX account I noticed a new Delinquent Charge pop up from XXXX XXXX stating an account opened XX/XX/XXXX was in collections and disputed through the XXXX XXXX app. I haven't received anything from this collection agency, and the documents I have indicate the account was charged off in XXXX, not in XXXX and I have requested to send me what paperwork shows it was open in XXXX.