davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called trans union actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
1. All of the Hard inquiries are not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On Trans union the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXX XXXX XXXX XXXX  NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My father, the Chase credit cardholder died on XX/XX/XXXX. After the date of his death a credit was posted to his account in XX/XX/XXXX in the amount of {$1000.00} for the failure to deliver goods. I am XXXX son and executor of his estate. I have been trying to get that $ XXXX credit balance since XX/XX/XXXX without any luck. First Chase Estate Services said I needed to wait 120 days, then they sended the check to my old address and for some reason USPS did not forward the check in accordance with my mail forwarding. On XX/XX/XXXX I called Chase to ask about the check and they said it was sent to old address and told me it would take up to 30 days to send to my new address. I have not yet received the check as of XX/XX/XXXX and called Chase back this morning and they said they said check hasnt made it to me because of a backlog and they submitted another request to get check sent to me. Another added confusion is that I have a checking account set up for my fathers estate at Chase and Chase Estate Services refuses to electronic transfer that money to that account. I just want the money that I feel was due to me in XX/XX/XXXX.
Consumer complaint received 2023-02-17
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. (TX)

There is inaccurate information on my Transunion credit report that has been reporting negatively for over 7 years. This account was charged-off XX/XX/XXXX ( attachment of charge-off included ) but it is stated to remain on my credit report until XX/XX/XXXX, which is 7 years and 4 months from the date of charge-off. 

The last payment made on this account was XX/XX/XXXX and it should have been removed from my consumer report by XX/XX/XXXX. Even 7 years from the date of charge-off, this item should be removed no later than XX/XX/XXXX. This account has also been re-aged several times. 

Transunion stated that they reinvestigated this account and the information was verified as accurate, but this is impossible since it exceeds the 7 years of delinquency allowed by the Fair Credit Reporting Act, which also states 100 % accuracy.
Consumer complaint received 2024-07-15
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: Quality Asset Recovery LLC (LA)

I contacted the company to let them know by law the medical bill that's being reported is under the legal amount to be report which is anything {$500.00} or less can not be reported to the credit breau.. the company refused to remove it from my credit despite knowing this information
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Schreiber Law LLC (CT)

Schreiber Law LLC " XXXX NH '' has filed suit against me over a debt that I've tried to settle with them. I've contacted them with offers to settle to no response. I've filed an answer to said lawsuit. They will not respond. The mailing address has somehow changed In 2 days. I'm not comfortable dealing with Debt buyers that can't respond to someone wanting to settle a debt they may or may not agree with, and change mailing addresses.
Consumer complaint received 2023-11-16
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. (MA)

I went back to review my credit report, and unfortunately, I still observe harmful entries that have not been rectified or deleted, much to my disappointment. According to the FCRA, I have the right to dispute and pursue appropriate legal remedies for any inaccurate or missing information in my report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CA)

On two or more occasions, I contacted Upstart loan 's customer service regarding a {$15.00} late fee on my account. During these interactions, the customer service representatives assured me that the late fee would be removed from my account. Despite these assurances, the late fee was not removed. Consequently, the {$15.00} late fee was reported to the credit bureaus, which has negatively impacted my credit report. 

The first incident occurred when I spoke with a customer service representative who promised that the late fee would be waived. However, upon checking my account, I discovered that the fee was still present. Believing this to be an oversight, I contacted customer service again. During this second interaction, another representative reiterated that the late fee would be removed. Unfortunately, this did not happen, and the fee remained on my account. 

Ultimately, the {$15.00} late fee was reported to the credit bureaus, which has caused unnecessary stress and potential damage to my credit score. The repeated assurances from Upstart 's customer service representatives that the fee would be waived, followed by their failure to take action, constitute a significant breach of trust and have had adverse consequences for my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX  # XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (VA)

Experian Late payments posted on my report that are direct violation of the law XXXX- late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX payments XX/XX/XXXX XXXX  late payments XX/XX/XXXX, XX/XX/XXXX these are direct violation of the law see below attached letter which I will be sending certified as well and a copy verifying my identitiy
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

This is a debt that is not mine, I've never had XXXX. I have a government phone, and have for three years. I sent this complaint and you made XXXX take this off my credit report because this debt is NOT mine. So, they sent it to another collection agency and they put back on my credit report.!!! They are trying to go around your order to them the first time that this debt is NOT mine. They are harassing me now, this has to stop.
Consumer complaint received 2023-07-29
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. (NJ)

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: General Motors Financial Company, Inc. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update these accounts as well : GM FINANCIAL XXXX contacted the company via phone call and they agreed to update the account to reflect open/not late status. Please update your records.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have called the bureau to complain about an inquiry that is on my report as well as a collection account that I have no knowledge of. I have never opened an account with them nor tried to make transactions with them. I have file FTC with report number XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items 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
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

My account was closed with Barkley Credit Card on XX/XX/XXXX. On XX/XX/XXXX they reported to the CRA that they charged off my account. On XX/XX/XXXX through the present month, they have reported to the CRA that have charged the account and can not furnish any documentation to prove the report. Therefore, this reported information is not correct because once an account is closed, it can only be charged off once.
Consumer complaint received 2023-11-30
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. (NJ)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am submitting this dispute for several fraudulent entries on my consumer report. I am disputing all entries or accounts as fraud accounts opened without my authorization. I have attached a copy of my police report and FTC Affidavit. Please remove all these banking accounts and send me an updated report. On XXXX I finally received a copy of my consumer report which I have been unable to get online and I have tried on several occassions. This company has made everything very hard for me in obtaining a consumer report. There is always an excuse as to why I can not get it. I want all these accounts moved as fraud XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. There are 11 inquiries that needs to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are also need to be removed.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Colony Brands, Inc. (CA)

Multiple accounts were open in my name also there where fraudulent checks sent to my bank accounts. One was sent to XXXX XXXX, XXXX XXXX, and XXXX. It is hard for me to open a bank account. Also it hard for me to get a credit card. I also found out that computers where sent in my name around the world.
Consumer complaint received 2022-11-14
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. (UNITED STATES MINOR OUTLYING ISLANDS)

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 XXXXXXXXXXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-05-15
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Nelnet, Inc. (FL)

I attended XXXX XXXX  from XXXX. I had a balance of {$9000.00}, and was unable to register for the next semester until the balance was paid in full. I had to withdraw and restart at another school because I could not afford to pay the large balance, nor I could get my transcripts. I am getting ready to XXXX  from my XXXX program in XXXX of XXXX, but will not be able to receive my degree or be able to sit for the XXXX until the XXXX XXXX XXXX XXXX XXXX receives the transcripts from XXXX. I have sent multiple transcript requests through XXXX, which have all been denied. Ive also reached out to the school to try to pay a portion of the balance or set up a payment plan to release the holds, but was told that the full balance was required.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hoping that someone can help me get a resolution because all parties are pointing to each other as the " person '' who should help. 

In XX/XX/XXXX- a levy was placed on my Chase Bank account by the attorneys for XXXX XXXX. The account contained approximately {$390.00}. 

In XX/XX/XXXX- The debt was paid in full to the attorneys, In XX/XX/XXXX- the attorneys filed a Warrant of Satisfaction with the Courts. But the hold on the account was never released. The contacted the attorneys who said that the " ball '' was in the Court 's and Chase 's " court ''. 

In XX/XX/XXXX- I contacted XXXX XXXX, court officer, to explain the issue advising that the attorney told me that the court would need to send something to Chase letting them know that the debt was satisfied. Never heard back. 

I then suffered the loss of my husband and three family members due to XXXX and a near death experience requiring me to be hospitalized for several weeks. 

In XX/XX/XXXX, I contacted Chase and was told that the courts never sent them anything and that if I could get a copy of the warrant of satisfaction, my account would be released within two to three days. I contacted the court, got a copy of the warrant and faxed it over. I called a few times and was told once that it takes two to three days, and another time that it could take a few weeks. No one told me that the document was insufficient. 

In XX/XX/XXXX, I reached out again and was told that the Chase rep I spoke to in XX/XX/XXXX was mistaken and that the document I sent them was not enough to get the account released because it was not addressed specifically to Chase. They suggested that I contact the attorney. 

The attorney suggested I contact the court. The court said that what they supplied was enough and I should contact the bank. I filed a complaint with Chase and was told by letter that " they will require either a court order signed by the judge, or a release letter from the court officer to release the hold on the account. To try to reach an agreement or settlement to have the hold removed, you can contact the Court Officer XXXX XXXX... .. '' The letter then advised that the information I provided to them is addressed to the Clerk of the Court , which is why they can not accept it as a valid release. 

Meanwhile, my account has been charged with $ 12 monthly service fees for a situation that is not my fault. I just want the account closed at this point, but everyone is passing the buck. I'm not sure why I'm doing all the legwork- when no legwork was required from me when the lien was placed. 

I'm hoping that the CFPB can assist. If for no other reason, as a means to get Chase to review their policies and to better train their representatives on how to explain processes.