davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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. (GA)

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX XXXX and USAA Federal Savings Bank. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX and USAA Federal Savings Bank. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2024-03-25
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX XXXX XXXX Balance : {$890.00}
Consumer complaint received 2023-11-17
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. (MD)

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 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-23
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. ()

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted and you reinserted them without notifying me 5 days after this account is in violation. 
XXXXXXXX XXXX  Account Number XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for a new credit card with Bank of America. Durning the application it never asked the amount I was applying for, only how much of a balance transfer I wanted to do since I was applying for a card with a balance transfer promotion. I entered XXXX. Online application came back and said approved and I would receive the card in the mail. By the time I got the card and account opening paperwork about XXXX weeks later I see the card was only approved for XXXX. I went online started an account and tried to speak with someone about my application. Was told nobody could help with that and I would need to just apply for a limit increase so I did. It was declined. I called was told the same thing over the phone and then they submitted another limit increase that again was declined. Again refusing to let me speak to someone about my original application. Went into a branch, was told they couldnt help. Call back. Finally after about XXXX hours of dealing with this was able to get in touch with someone who would answer questions on my application. They stated the limit increases were auto declined since the account wasnt open for more than 12 month. Why would multiple representatives advise me to run my credit if this is Bank of America under writing guidelines. The original application was only approved for the XXXX mainly because I didnt have any other accounts with Bank of America XXXX If I knew that was going to be a factor I would not have accepted the offer but was never given the chance to accept the lower credit offer or not. They went ahead and processed a {$9500.00} balance transfer to my other lender that I did not request. Told me it was to late to cancel. I had it sent back within days. Now they are refusing to waive the $ XXXX dollar balance transfer fee that was charged even though I never requested a {$9500.00} transfer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Imperium Lending, LLC (CT)

I submitted an application with my local bank for a XXXX XXXX XXXX. 

They submitted a pull on my credit report. I got a call today from a phone number who claimed to be Ira from XXXX XXXX a lending broker partner of United Mortgage, who said he got my information from XXXX. He knew my credit score, my address, my name, my social security number, my credit cards and loans. 

He then proceeded to pressure me to try to get a mortgage with them. Stayed on the phone would not take no was very pushy. 

He sent me a text from a number to get me his business number. 

I did not tellthem to send my information to others.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (DE)

This is my follow up request regarding my previous complaints dated XXXX XXXX regarding the disputed items in XXXX  files. I understand that your schedule maybe busy, and I appreciate your time and attention to this matter. As of today, I have-not received a response or XXXX  updates on the status of my disputed items. I recognize that unforeseen circumstances may arise, and I am certainly understanding of that. However, to ensure we are on track and to address any potential concerns promptly, I am reaching out for an update. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : - Date XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/ Delete this account.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Trying to get reimbursed for lost payments from a XXXX  trip to XXXX  that we could not make due to contracting XXXX  right before the trip.. we have a Chase saphire card that comes with trip insurance. we submitted a fully documented claim with eclaims online card benefits in XXXX, and have received numerous emails and phone calls requesting the same documents over and over, which we continue to upload to them.. each phone call and email keeps requesting these items. now, after all this time, they say we have't proved XXXX, although we sent a doctors letter and proof of XXXX  for XXXX. They are demanding I furnish the actual positive XXXX  test. That is impossible because I took home tests that no longer exist. I consulted with the physician and I submitted the physician 's report. This requirement is impossible to comply with and it is not specified in the policy. 

We are trying to be reimbursed for missed flights, and a hotel deposit that was not refundable.
Consumer complaint received 2024-01-09
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. (NJ)

My name is XXXX XXXX. 

In accordance with the Fair Credit Reporting act. The following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX continues to harass myself and my family, causing undue emotional and mental damage despite numerous pleas to stop sending information and calling. 

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. 

XXXX XXXX XXXX XXXX XXXX - I do not recognize this debt and they continue to harass me every day. This is also not reported correctly because it's reasonable to believe that the spelling is inaccurate All of these collections are hampering my ability to obtain credit to start a business and help my family. I have been in XXXX  for over a year now because of this.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
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: ALLY FINANCIAL INC. (NY)

I was checking my credit score on XXXX using a different crediting agency other than credit karma and I noticed about 50XXXX inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. some of them more than once.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

i have a parent plus loan the was taken over by nelnet as of XXXX i have been calling asking for a statement and my balance. I stay on hold for XXXX hours when somebody comes on the state the problem is taken care of and you should receive a statement in the mail. well it XX/XX/2024 and no statement has came. my concern is that they are going to report me as not paying. please help.
Consumer complaint received 2016-02-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Processing Group LLC (LA)

I received a threatening phone call on XXXX XXXX, 2016 at XXXX from a voice recording message saying- if you do n't answer the phone or return our phone call legal actions will be taken against you immediately including your personal resident where you reside and your vehicle. If a payment is not give before XXXX today you will be arrested by your local authority. I asked who am I speaking to the representative ( XXXX XXXX ) insisted on saying NP group several times after I kept asking what does NP stand for. I had to google it just to see what NP stands from. I 'm not sure what kind of debt it is but it 's very scary to receive a call like that and all they want me to do was verify the last XXXX of my social and I did n't provide that information. Once I disconnect the phone he repeatedly called over and over until I blocked the number. XXXX called and left several threatening messages saying. You will be in jail by XXXX unless you answer my calls today. At one point I asked him where is your company located he stated-I ca n't give the information to you unless you give me your last XXXX digits of your social.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CT)

I opened Checking account & saving account in Chase Bank on XX/XX/XXXX after received an email with targeted offer of XXXXXX/XX/XXXX XX/XX/XXXX. 
Chase representative confirmed that both accounts opened successfully & Coupon Code has been applied successfully. 
He explained me terms & conditions. 
As per bonus qualification conditions, Direct deposit from Employer Deposited into checking account on XX/XX/XXXX. 
XXXX direct deposit from Employer Deposited into checking account on XX/XX/XXXX. 
XXXX $ from XXXX deposit from external account into Saving account on XX/XX/XXXX. 
90 Day period ended for XX/XX/XXXXqualification on XX/XX/XXXX. 
Yet, I did not receive any XX/XX/XXXX. 

Events below. 
XX/XX/XXXX - Checking + Saving Account Open with COUPON CODE XX/XX/XXXX - Chase representative confirmation XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - XXXX $ XXXX external Deposit into Saving XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - 90 Day period ended. 

Customer care Response " It seems you had previous account with Chase ''.

My Response " Not true ''
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

Deposited a security deposit check into my checking account for the amount of {$2500.00} from out previous place of residence since XX/XX/year>. XXXX cleared the check then closed my account stating that they are not able to verify the check issuer information against their database. I have been back and forth for MONTHS now with the property XXXX and they have advised that their information is up to date. Come to find out, there a numerous Chase customers that seemed to have encounter this issue due to Chases outdated database. We went through the trouble of going down to a branch and to our previous leasing office to discuss this issue which seems to be an issue on Chases end. Chase refused to provide a clear letter that contains what information exactly is needed from the check issuer, they refused to call any of the numbers located on check and the apartment office itself. Chase has since locked my account and have been unable to gain access, they refused to cancel the check. We requested that the issuer cancel the check but apparently Chase has already cleared the funds into my account, preventing the issuer from cancelling this check. An absolute nightmare, had my primary savings and checking with Chase. Need this issue resolved and I am done with Chase and will be sure to advise everyone to stay clear of Chase Bank as well.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.